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Well, just checked the claim status online, and FD have now 'acknowledged' the claim...

After letters flying back and forth, FD are still claiming that their charges are not unlawful. They had until today to pay up, and they haven't, so I filed the claim online this morning!! £2813.55 in total, with interest and costs! Wish me luck!!! my previous thread

OK, after the 'we're sorry to hear you're unhappy' letter, I had two more (first one as a result of their 'investigation' into my complaint, and the second in response to my letter before action) drawing my attention to the terms of my account, blah blah. Standard letters. I gave them until 10th April, which is this coming Monday, and although they've made it clear that they disagree with my claim, and consider their last letter to be their final say, I intend to give them until then before I file the claim. I am getting my stuff together to fill in the claim form online today, ready to file first thing Monday Wish me luck... with interest etc, the claim will be in the region of £2700!

When I sent my DPA request to FD, I pointed out to them clearly in the letter that the maximum they could charge was £10, and that they could take the letter as my authority to deduct up to £10 from the account. I received my statements 4 days later, but they've never charged me a penny for the statements

Had a standard 'we're sorry to hear you're unhappy, will respond to your complaint within 10 working days, blah blah' letter today. If I've not heard within the 14 days I set them in my request for payment letter, they'll be getting the next one

I had mine back within a week - they're very quick, and sent mine by secure courier, with instructions that only I could sign for them!

Well, as I suspected, my initial calculation of £1500 was off... I've been through all the statements I received today, twice (just to be sure ) and it comes to £2140 Even I didn't think it'd be that much lol. Off to draft my letter now

Hokay... posted the request for charges/statements by recorded delivery on Friday. Got a letter from FD acknowledging my request on Tuesday (7th Mar) stating that the statements would be sent by courier in the next few days. Then I was rudely awaken this morning by securicor, (although once I tiwgged what they were delivering, I didn't mind so much that it was only 7am ) delivering a two inch thick wodge of statements. Now... where did I put my highlighter?

So pleased I found this place! I've sent off a request today for a list of charges since my account with FD was opened in 1999, (adapted the template from the library). I have most of my statements for that time, but unfortunately, it looks like the periods I don't have filed, are those where I was really struggling and would have racked up the most charges! (clearly I was burying my head in the sand good and proper at those times lol) Using the spreadsheet from the library and the statements I DO have, I've calculated so far almost £1500 in charges since 2001! (some months I was being charged an overdraft fee of £30, plus an excess overdraft fee of up to £119!) I've got my current account under control now, and haven't had a charge in almost a year, but it took me one hell of a long time to get to that point thanks to their excessive charging, and I am still in debt to the tune of around £7.5k on cards - so a refund of the charges would be most welcome to help pay these off! Just wanted to say thank you to the guys running this site for bringing the case for demanding refunds to the publics attention really! I'll keep this thread updated with how I get on too