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Anguna Vs First Direct..


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I've been following the ' guide ' regarding re claiming my charges, althoiugh they are over the 6 year limit. We sent the first letter with breakdown of charges to which we had a reply saying they don't keep the recors for that long. We then sent them a further letter with copies of all the statements we had so they had all the info needed.


They have now sent a letter saying, and I quote...


' Whilst I appreciate you have supplied us with copies of your statements from October 98 to July 2000. As advised previously we are only obliged to keep records for 6 years guided by the principle of the Data Protection Act, group policy is not \to keep information longer than neccesary.


The timescale deemed appropriate is 6 years and no records of charges or refunds are held for longer than this period. Therefore I am unable to verify these charges and they will not be reviewed '


So, do I now send them the letter before court action, as they clearly now have copies of the statements with the charges on them, as I do have the originals. Does anybody have any idea as to where we go from here ?


Many, many thanks for any help in advance ?




Anguna :)

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It seems like the key thing is that you have got details of the charges stretching back over 6 years. FD are almost certainly going to try and put you off claiming these but I would now file your LBA. Have you read Bongs thread she has had success with this?



Guide to claiming back your bank charges


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

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