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First Direct Overdraft charges


crunchie100
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Hi

 

I had a current account with First direct which had a minimal £250 o/d. I never exceeded this limit until they started adding charges and interest which took it over the limit and they then charged me extra for being over the limit.

 

As the first step of reclaiming these charges I am going to take the step by step approach as prescribed.

 

They have since closed my account and passed it on to a DCA. Do I send the Data Protection request to the DCA or to First Direct?

 

Thanks.

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First Direct.

 

You do need to inform the DCA though (in writing not on the phone) that the account is in dispute and that you are in the process of reclaiming the charges on the account.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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