Yeah it was good to hear them on the phone giving up. As soon as you mention court, alarm bells ring and they back down. It’s worth keeping good dialog with them. At the end of the day the people at the other end are doing a job. I could sense in there tone that it’s getting to them. I am sure the banks have set targets for the areas that are dealing with the influx of requests. I spoke the Abbey data protection people today and the Abbey have there own PO box. They try to get you to go in to the branch to pay and request the information. I would suggest not doing this as you don’t have an audit trial which can cause issue later. Anyway it’s good news and thats the main thing. Mr Angry.

Result.......... OK .....it good new They settled in full and added the additional charges that had been incurred as well ..... Total pay back £900+ Regards Mr Happy not Angry. Now on to the next bank the Abbey

Hi, THe figures are from the bank statments and I used the spreadsheet from the site to calculate So I am as sure as I can be. I have repied to this letter yet as it crossed in the post with FD letter. Do I need to responed to this letter or is the FD OK. Thanks Mr Angry

Thanks. You have just confirmed what I had thought. I spoke to them on a number of occasions and ask for a breakdown of the costs. They said that this wasn't available but they would provide the statment. I used all the tool the forum supplies and have now got to this stage. I the final demand and this letter had crossed in the post. They have said I have 10 days to reply but I have already sent the final demand. Does this mean I don't need to reply to this letter and just let the process pan out. Will they say they had offerd an amount and I had not responded so I will lose the case in court for not reponding?? Mr Angry

Hi, Thanks to the this website I have managed to get to a stage where First Direct (I will refer to as FD in this email) has made me an offer of £680 instead of the £888.79 including interest the was calculated from the statments that they sent me. The offer has come in after the intial 14 day deadline. This means that I have since sent the final letter before starting the court action. One thing that really ****ed me off is that I went through all of the statments to calculate the amount of charges that I had been charged because FD said they could not do this. In the without prejudice letter they have stated that my calculations are incorrect and that the £876.50 should only be £836.50. FD have not offered a breakdown to show where the calculation error is. Please can I have some advice on this. My thoughts are if they were confident that they were right they wouldn't of offered anything. Also the statment about court costs seems very strange as well. Mr Angry See letter below:

Hi, Thanks to the this website I have managed to get to a stage where First Direct (I will refer to as FD in this email) has made me an offer of £680 instead of the £888.79 including interest the was calculated from the statments that they sent me. The offer has come in after the intial 14 day deadline. This means that I have since sent the final letter before starting the court action. One thing that really ****ed me off is that I went through all of the statments to calculate the amount of charges that I had been charged because FD said they could not do this. In the without prejudice letter they have stated that my calculations are incorrect and that the £876.50 should only be £836.50. FD have not offered a breakdown to show where the calculation error is. Please can I have some advice on this. My thought are if they were confident that they were right they wouldn't of offered anything. Also the staatment about court costs seems very strange as well. Mr Angry See letter below: