This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi Guys FD has missed the chance to respond to the letter before action, so I am as we speak completing the moneyclaim form - can I just confrirm. My claim to FD is £4995.00 excluding interest and the processing fee - I have clicked I wish to reserve the right to claim the interest - but do I claim it or will it push me over the £5k threshold? Is the £5k limit for the base claim? or the total final claim including Fees and Interest? Thanks Chris

Thanks I will wait - I don't want to risk any issues! Thanks Chris

Hi Guys I have had a second response to my "Letter before Action" basically saying they would not be honouring my claim and that if I did not agree I could send a letter to the ombudsman. They have done this within the 14day period of response, do I need to now wait until the end of this 14day period before I submit to the court or as they have answered within the period, can I just move the legal stage without any further notice? Many thanks Chris

Hi All Great forum etc, I am just finalising my application for First Direct. I have a question - I seem to have been charged different "overdraft fees" in different months - some times it is £15, some £20, some £25 and some £30. I understand I can cleanly claim for the Excess OD charges, but my understanding is I can't claim for "normal" OD charges - so why do they change? I am a bit lost, I have read the FAQs and previous posts but I am still not sure. Do I claim for the monthlt od fees as they always change and as such must be punitive? Thanks fishboy