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reclaiming bank charges First Direct

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As I am a newby to this I have to say hello to the community, So hello everyone!!


We are just in the first stages on trying to reclaim our bank charges and have received a letter back from FD saying that we should refer to their Account Terms and Conditions. Which state in respect of overdrafts, specifically Part 2: Operating your Account, Clause 6.9 which goes on to say that, cutting a long story short - That when we opened the account we would have been issued with a Interest Rates and Charges leaflet and basically therefore we knew of the charges which would be incurred if we went overdrawn.


Needless to say, seeing as we are a pair of wusses, we are thinking that we don't stand much of a chance.


Has anyone else received this letter after their first attempt or are we being naive in thinking it was going to be easy.

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Hi Craggwood,


Welcome to the site!


Of course you stand a chance... but they are not going to tell you that.


Just have a read through some of the successes forums and you will soon feel confident.


Best of luck with your claim



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