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Thanks for all your help.

Got the letter just now. What ya think? Deal or no Deal!!? Interesting wording on some of it though.... and charges will stand in future (but I'll make sure I don't get any)!!!

Even if they are offering a full refund? I'll post the contents when I get them. No point in second guessing what they'll say. As a note, they must have a very sloooooooow postal system. 22nd - today = 4 working days.

I just had more charges taken out of my account so I rang First Direct. They told me that a letter has been issued 22/2/06 , offering me a full refund, which I have to sign and return. Then they will refund me. More as I get it........

Hey there, Posted the letter but as I had all my statements online I modified the last paragraph. Is this ok to cover myself to continue in a weeks time with proceedings? T Thanks in advance. Accordingly I request that you return to me ALL charges made (as outlined on the attached document(spreadsheet)), totalling £x on our two accounts in the last 16 months by way of personal cheque or bank transfer within 7 days of receipt of this letter. If you choose not to do so, I will start proceedings for recovery in the County Courts, as I believe that legally I am entitled to this money back. You will also be liable for my court costs and for an extra 8% APR (totalling £xx.xx) as permitted under the County Courts Act (1984).

Hey there, Posted the letter but as I had all my statements online I modified the last paragraph. Is this ok to cover myself to continue in a weeks time with proceedings? T Thanks in advance. Accordingly I request that you return to me ALL charges made (as outlined on the attached document(spreadsheet)), totalling £x on our two accounts in the last 16 months by way of personal cheque or bank transfer within 7 days of receipt of this letter. If you choose not to do so, I will start proceedings for recovery in the County Courts, as I believe that legally I am entitled to this money back. You will also be liable for my court costs and for an extra 8% APR (totalling £xx.xx) as permitted under the County Courts Act (1984).

Hello there, Reading all the info last night, I decided to contact FD. I had gone through all my statement and they owe me £XXX. I was passed around to 3 different call-handlers (the final one being in the charges dept). I was then told that due to the volume of complaints and the recient publicity on Radio 4 they were now dealing with all complaints in writing regarding bank charges..... So here goes.....

Hello there, Reading all the info last night, I decided to contact FD. I had gone through all my statement and they owe me £XXX. I was passed around to 3 different call-handlers (the final one being in the charges dept). I was then told that due to the volume of complaints and the recient publicity on Radio 4 they were now dealing with all complaints in writing regarding bank charges..... So here goes.....