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28bagk Vs First Direct


28bagk
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Hi,

 

Well, I have started the ball rolling here and have sent the SAR letter by recorded post. I had my bank acc closed 18 months ago and have lots of charges up till then, can't wait till the statements come back......:) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Good luck. Seems that they have different practices for sending out the statements - some people get them quickly (by courier) and others have to wait. Good luck with your claim by the way.

Claim against First Direct - WON - 29th March 2007

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Thanks Harvest

 

I received my £10 cheque back yesterday and await the statements by courier. :)

 

Will let you know when they arrive.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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  • 4 weeks later...

Well my statements came yesterday and it works out to £3000+ for overdraft fee and excess overdraft fee. Not many recalled dd/so so I should not expect that arguement from them.

 

Prelim being prepared now. :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Excellent make sure that once you send it that you stick to your timescales and don't be put of with letters saying that FD are investigating the matter and will get back to you in 8 weeks etc!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Prelim was sent on 31st March, by recorded delivery of course!!

 

I got the standard letter yesterday (5/4/07) saying that they will reply in 10 days.

 

I decided not to claim debit interest as I found it too difficult to work out the difference from the interest on the charges and the debit balance. I will add the 8% later if it gets that far, which I'm sure it will in view of the amount I'm claiming.

 

I guess I had better start preparing my LBA now!!!:|

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Thanks Gmmm, only a week to go before its sent.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Eeek, LBA due to be sent now. Will prepare later today and send on Monday recorded.

 

Kitty received an offer yesterday and sent her prelim after me!!!!:-?

 

How about you Madhouse, any news yet?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Nothing yet. I'm getting LBA letter ready today to send Monday, got behind with this claim because I've been doing AQ for barclays and N1 for mbna. Although mbna want to settle monday morning, so they've got til lunchtime then I go to courts.

 

I'll you know when I hear from them.

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I know what you mean, I've been trying to get statements from b/card, what a nightmare!!!! From reading others, I think they are the worst!!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Best of luck with that MH :)

 

Well I sent off the LBA on Wednesday 18/4 albeit a couple of days late as I've been dead busy with work.

 

Fingers crossed for a result!!!! :rolleyes:

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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I had an offer on Monday from FD, offering £974 from a £1,147 claim. Considered it for a while decided against excepting. LBA already in the post, rejection letter going today.

 

Good luck, hopefully you'll get an offer soon.:D

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Lets see what they say to your LBA, best of luck.

 

I received a letter today from FD saying that FD do not agree with my contention that the charges are unlawful and then went onto spout the T's & C's. They then say that are unable to agree to my request and if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

 

I think that this is a standard letter, has anyone else had this one? It maybe that they have not made an offer as its over £3.5k. What do you all think?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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  • 2 weeks later...

Hi 28back

 

Im claiming similar amount to you, my LBA runs out on 7th may, as yet I have heard anything other than the same letter you have had ie ..........if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

Just wondering if you have had any other contact from them?

 

Thanks

GE MONEY- Settled 5/06/07

Capital One - Won 15/06/07

**Treat everyone as you would expect to be treated yourself**

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I got standard sorry letter will respond within ten days. Then I got the 85% offer after the ten days which sent rejection letter to them they got that last saturday and I received 100% offer yesterday.

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  • 2 weeks later...

Well guys, nothing from FD so far. Not even a measly offer :(

 

Now I guess that I have to do the MCOL or N1 which looks a bit of a nightmare from others' comments.

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

 

How much does the MCOL/N1 cost and do you have to pay straight away? If so it may have to wait a little while :(

 

Thanks for all your support so far :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Anyone?!?!? :):)

 

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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I made a point of telling them that if they didnt pay up it would cost them court fees and interest and if they were relly interested in managment cost and time they'd pay up also I was cheeky and said if they put in a defence just to delay things I would put in a Wasted Costs Order! Not sure if it heled at all but they paid up in full!!

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  • 2 months later...

Hi All,

 

Apart from being busy at both my jobs (day&night/weekend!!) I have put off doing the MCOL/N1 as I had lost my bottle. I'm not afraid to say that I'm terrified of the one that has to go to court :o

 

I know this is silly as no-one has had to do it - so I have to get back on it. They owe me loads of money!!!! :mad:

 

I finish my day job for the summer tomorrow so the first thing I am going to do is pick this back up again and go for all the others too to get as far as I can before September when it all gets manic again!!

 

Your support is great guys!!! :) :) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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