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JLS v First Direct


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Hi all,


SAR sent 05-04-07, I had a letter to say they would be happy to provide this information etc, but never received anything. Also, I did have online banking but as they have charged me so much they took me over my overdraft and then demanded repayment which I couldn't make so I am now in an agreement with them and they have suspended my internet access so can't view statements online.


I sent the SAR non compliance letter on 31-05-07 giving 14 days or I would seek a court order. They haven't complied.


Am just about to do some searching and research what I should do now.


Cheeky things, I only owe them £500 and I am sure £350 of it is charges!! RUDE. :p

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Could anyone offer some help with this please?


I have found the particulars of claim for non compliance, however, this puts in a claim for damage and distress. I don't feel particularly damaged or distressed by all this so not sure what to put in there?


I would have thought that I just want the court to rule that First Direct should provide me with the information I have requested - is this the case?


And if my claim is then for a zero amount (as I can't calculate my charges without this information) how would I be able to work out the court costs?


Sorry if I am being dim. :p

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this is exactly what happened to me regarding the charges, I initially made an agreement but then changed my mind. Sent them a letter stating that the account was in dispute and issued them with a S.A.R.

The thing is if your 40 days are up and you haven't received anything you can complain to the O.F.T for their breach of the CCA.

Did you send a £10 postal order or chq with your S.A.R? if not I'd advise starting again, have you tried phoning?

hope this helps...

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Finally received details of all my charges from First Direct yesterday. Charges only come to £360 but since they are making me repay a £600 pound overdraft I think it is worth claiming.

So, letter will be sent today.

Fingers crossed eh? :p

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  • 2 weeks later...

Wow, letter sent to First Direct 20-06-07 requesting refund. Letter received dated 23-06-07 and they have refunded all charges (without admitting liability of course!!). If only all cases were that straight forward eh?!:oops:



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