First Direct Right of Appropriation

[OBMCFC]

Hi, have a letter for First Direct but been told by CCCS that it needs to be handed over in person the day before payday. As dealing with First Direct and they don't have any branches does anyone know if HSBC will take on their behalf or will I post it with guaranteed next day delivery.

 

Thanks,

Roy.

[BankFodder]

I think that you will need to posted by guaranteed next day delivery. It is the only way to make sure that it is delivered correctly and also that you have evidence of it.

 

does First Direct are you any money in charges?

[OBMCFC]

I think that you will need to posted by guaranteed next day delivery. It is the only way to make sure that it is delivered correctly and also that you have evidence of it.

 

does First Direct are you any money in charges?

 

Thanks for quick reply BF. I checked yesterday and they owe me £50 at present with another £25 to be added due to me being £4 over my overdraft limit because they took a First Direct Visa payment

[OBMCFC]

They have ignored my right of appropriation letter and taken charges for going overdrawn before paying gas/water/council taxc etc, looks like will be overdrawn again this month:mad:

[OBMCFC]

Charge took me over my overdraft limit, they refused a standing order, got a letter to say now going to charge me for not having funds to cover standing order

[OBMCFC]

3 months later still arguing with First Direct over payment. I offered them £40 a month to pay off just over £2,000. They said they thought that was too high and I wouldn't be able to meet the payments, I replied asking how much they thought I could afford and sent them my financial statement. They then repklied saying that they needed £100 a month. I replied yesterday over my final offer of £50.

 

I also owe Payday loan £650 and offered them £40 this has been handed to debt collecting agency and I have offered them the same.

 

I owe Moneyshop £750 and offered them £40 but they said they would forward to appropriate dept and mail be back but haven't heard anything.

 

If not for this site I would have been so scared of my debt but reading everyones help on here has helped me deal with it.

 

Thanks

[OBMCFC]

Got letter today saying FD are going to hand it over to Debt Collectors or Solicitors if full amount not paid within 7 days. I don't have it, I'm sending them my 3rd Financial Statement now as my circumstances keep changing.

 

I have cancelled my life insurance to save money but now suffer from high blood pressure and have prescription changes.

 

I missed a council tax monthly payment when swapping over banks and got summons regarding it now have to pay this monthly as an extra charge. I don't think they believe that my situation is changing almost monthly.

[OBMCFC]

Another letter for me at home last night saying they had accepted my £50 a month offer and making arrangments for repayment