chaos5678 Vs First Direct

[chaos5678]

I fired off my initial letter to First Direct on Monday and was woken by a courier at 7am this morning with what seems to be my life story neatly packaged!

The letter inside told ME that they had sent it under the Data Protection Act.

Full marks so far!

[richardc]

Amazing. Keep us posted.

[chaos5678]

I sent off my letter requesting that my charges be refunded, using the template from here, giving them 14 days to reply.

 

I've got what seems to be the standard letter referring me to

Mr Robert Kernaghan.

 

I think the next step is to file a claim, so I'm off around the site now to look!

 

Brilliant site, hope everyones donated % of any refunds.

 

(I'm claiming £552.50) I actually sent off the first letter asking for the refunds without adding any interest.

Possibly it's too late now to add that on, Can someone advise please.

 

Thanks

 

Threads joined.

[paulmc60]

Have you sent your Letter Before Action? You should do, and give them a further 14 days to respond before filing your claim.

[chaos5678]

Have you sent your Letter Before Action? You should do, and give them a further 14 days to respond before filing your claim.

 

 

Hi

Thanks for that,

 

This is the letter I sent, Do I need to give them another 14 days?

 

 

 

Ref acc

I am writing to ask you to refund the charges that you have levied from my account over the last six years.

I now understand that the charges you have applied to my account in relation to exceeding my overdraft limits are unlawful at common law, statute law and recent consumer regulations.

 

I would draw your attention to the contract which you agreed to at the time I opened my account, It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I calculate that you have taken £552.50 from my account.

 

I hope that you will enter into a sincere dialogue with me to resolve this matter, and I am writing this letter to you on the assumption that you will prefer to do this than respond with standard letters and leaflets.

 

I will give you 14 days from receipt of this letter to reply to me accepting unconditionally my request in principle and letting me know a date by which I can expect to receive payment

 

Yours Faithfully

[dave]

Sadly, yes.

 

If you'd said "give me the dosh within 14 days or I will start court proceedings for recovery" - or words to that effect, then no, it would have been fine.

 

However, they may well just give the money back ;-)

[chaos5678]

Thanks Dave,

I'll send another now

[chaos5678]

I've just written my "letter before action" which will be posted tomorrow.

Fingers crossed!

[chaos5678]

I have received a letter back very quickly replying to my letter before action.

No sign of a refund just back over the terms and conditions.

Will fill in claim form now

[chaos5678]

The moneyclaim site is saying it's "temporarily unavailable" since last night, if it doesn't come back on soon, wondering if it's ok to wait or should I file the claim by post or whatever, anyone got any thoughts.

[BankFodder]

Can't you visit the ocurt and do it over the counter?

[chaos5678]

I'm just going to look for our nearest one, I live out in the middle of nowhere!!

[Guest stephen]

probably cloased for the bank holiday i would wait till tuesday

[chaos5678]

Just to keep up to date, I rang the court and asked them to post a form out, which hasn't arrived yet!

I'll drive in and get one next week if it doesn't turn up.

 

 

 

 

(just got list of charges from Intelligent Finace, free of charge AFTER they said no!)

[chaos5678]

Filed my claim yesterday online and it was dealt with by the court today so we wait and see.

[monkey_uk]

Ditto! That's 3 claims on the same day that I'm aware of (including mine!)

[Guest BlueRuby]

What's happening with your claim? Monkey and I have both been acknowledged! All 3 of us filed on the same day.

[chaos5678]

I arrived home to open the post to find a letter from the court saying First Dirct were defending the claim!!

PANIC untill I opened another letter which was an offer to settle in full £630 as long as I signed a confidentiality clause!

 

Hope you don't all know who I am LOL

 

I've sent a donation via Paypal to you, hope everyone does the same, I did it with your help.

 

I hope this all makes sense, I've had a bottle of wine to celebrate!!

Good luck to all, keep at it!

[chaos5678]

I forgot to mention, I'm after £60 from Intelligent Finace who have 3 days to go before I start court action.

[chaos5678]

I've just read someone else's post saying they crossed out the confidentiality bit, I didn't think of that!! DUH

[chaos5678]

I received settlement in full today but incurred another charge last month which I've just seen on my statement, this was entirely accidental, Shall I ask for it back!!

[bram stoker]

Congratulations on your refund. Don't forget to fill in the survey. And yes, claim all charges, although check on the limits for a small claim in the court - I think there's a minimum, but wouldn't like to say what it is without checking.

 

Spiceskull has a good letter in his claim against HSBC for pending charges if this helps.

 

Good luck.

[chaos5678]

Thanks, I'm doing the survey now,

I have made a couple of donations, just done one from paypal but it will only say my email address not my username

I hope everyone donates and keeps the site going

[chaos5678]

Congratulations on your refund. Don't forget to fill in the survey. And yes, claim all charges, although check on the limits for a small claim in the court - I think there's a minimum, but wouldn't like to say what it is without checking.

 

Spiceskull has a good letter in his claim against HSBC for pending charges if this helps.

 

Good luck.

 

 

I can't find Spiceskull, were is he!!

[Spiceskull]

I can't find Spiceskull, were is he!!

I'm here!!! The letter is here. You will need to amend the details, but the thrust is effectively the same (although I have already requested they be refunded, and this is a final warning...)

 

If you need help, PM me.