DHL delivered mine, complete with a very precise "to be signed for by adressee only" Have also heard these have been delivered at soem very strange times. So if you are likely to be out at work etc, may be worth bearing in mind you may have to arrange alternative delivery time or pick it up yourself. I also think they may be playing games with the statement issue, it seems they are avoiding answering the specific questions within the DPA letter template by sending out statements that you then have to trawl through. A bit of base covering going on me thinks....

Good luck. I have to say they appear in general to be reasonably good at sending out statements etc quickly. Indeed in my case they sent them twice. I send all my letters to FD by recorded delivery, fully accept it isnt neccessary but i want them to know i mean business and wont leave anything to chance. It is amazing how much of Her Majesty's Mail fails to reach some financial institutions!!

FD just dont seem to able to stop writing to me recently. Today i get a letter thanking me for my letter and sorry for the upset caused by management of my account blah blah and they will certainly respond within the next ten days. Well my initial letter was sent 23rd of August they have already told me they arent coughing up. So sorry FD my LBA was psosted yesterday and the clock remains ticking. Also recived along with a print out of my last six yearssa fo tranbsactions to seperate documents containig details since my account was opened in 1997, one set called MARTINI NOTES and another set titled REFERENCE BOOK NOTES. My question is do these represent manual interventions either or both? And does this affect my claim in anyway, i havent seen any reference to these notes anywhere in the threads, just wondering if anyone else has come accross them before.

Nice one well done.

LBA prepared will be in the post first thing in the morning. Many thanks, will definately be making a donation to the site when this is eventually sorted out.

Nice one thank you. Will be in the post Fri morning.

Phoenix points noted and taken. Probably a fair amount of rushed typing on my behalf, i used the DPA template when requesting the statements, and my reference to county court judgement was a typo in my letter to fd i referred to the matter as county court action. In light of the repsonse from fd, am i right in thinking the next step is now the LBA? i assume the template needs to be tweaked as they have in fact responded, albeit saying they are of the view the charges are unenforcable.

I sent in the DPA template letter along with £10, they replied they were not charging for the the statements and creditid the payment to my overdraft. They initially wanted £2.50 for the each statement. Lookign through the threads they are providing them free of charge.

Phoenix. Many thanks for the reply and points atken. As far as the accopunt closure, well a very nifty move by FD, they will only commit themsleves to saying all banking facilities have been withdrawn, what exactly the legal meaning of this means i am not sure at this stage. That said i have several other issues with FD and my household that make me determined that i will have as little to do with this merry little lot as a possible. Thanks for the tips i will keep the thread updated as and when matters progress.

Well i took the plunge and wrote off to my bank requesting a full refund of charges. To set this out here's what happened, i first spoke to them on the phone asked for the charges to be refunded they said no. A few days later i recieved a letter telling me my all my banking facilities had been withdrawn becuase i have exceeded my overdraft limit. I then requested my statements for the previous six years via a freedom of information act letter templte from this site. They replied saying they would send the statements free of charge and credited the payment i made to my account. Having gone through the statements i used the excel template and sent off the first letter formally requesting refund of charges. I have had a reply, that says they withdrew banking facilities because of my excess overdraft (£103.07), which was by the way their charges they had added on. And the wrote as follows " Turning to the charges incurred. XXXXX bank does nto agree with your contention that the charges which have been applied to your account are unlawful and are therefore uneforcable. The contract between the bank and its customer is govenred by our Account Terms and Conditions". Reading through thsi thread it is clear these are nwo standard replies. So it looks like that will be a no to the reqiuest for a refund then, i want to be absolutely sure of what i am doing here, i take it this now means i will be going to the next stage and start applying for a County Court Judgement. Having considered matters fully i am more than happy to go the whole hog on this, i certainly wont and aren't the slightest bit intimidated by the flat refusal to cough up. Any comments, advice or suggestions woudl be greatly appreciated, i will of course be keep this thread up to date as and when things change so all can see the progress of this case. Many thanks

Well i took the plunge and wrote off to my bank requesting a full refund of charges. To set thsi out here's what happened, i first spoke to them on the phone asked for the charges to be refunded they said no. A few days later i recived a letter tellign me my all my banking facilities had been withdrawn becuase i have exceeded my overdraft limit. I then requested my statements for the previous six years via a freedom of information act letter templte from thsi site. They replied saying they would send the statements free of charge and credited the payment i made to myu account. Havign goen through the statements i used the excel template and sent off the first letter formally requesting refund of charges. I have had a reply, that says they withdrew banking facilities because of my excess overdraft (£103.07) which was their charges they had added on. And the wrote as follows " Turning to the charges incurred. XXXXX bank does nto agree with your contention that the charges which have been applied to your account are unlawful and are therefore uneforcable. The contract between the bank and its customer is govenred by our Account Terms and Conditions". So it looks liek that will be a no to the reqiuest for a refund then, i want to be absolutely sure of what i am doing here, i take it this now means i will be going to the next stage and start applying for a County Court Judgement. Having considered matters fully i am more than happy to go the whole hog on this, i certainly wont and aren't the slightest bit intimidated by the flat refusal to cough up. Any comments, advice or suggestions woudl be greatly appreciated, i will of course bnow keep this thread up to date as and when things change so all can see the progress of this case. Many thanks