Success!! Thank you!!

[clairus99]

Letter received today from First Direct:

 

"Thank you for your letter..... requesting a refund of all bank charges applied to your account between......

 

In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or to exceed an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the Bank, details of which are clearly set out in our Account Terms and Conditions, a copy of which was provided to you when you opened your account. We are confident of our position and believe that if your claim for a refund proceeded to Court, we would successfully resist any legal challenge in relation to these fees.

 

first direct is, however, mindful of the management time and irrecoverable legal costs we may incur in relation to such a claim. For those commercial reasons alone, and withouth any admission of liability whatsoever, first direct is prepared to make a payment to you in the sum of £241.50 *(IE THE FULL AMOUNT)* representing the charges applied, in full and final settlement of this matter. If you accept our proposal please sign and return.....

 

I do hope I have clarified the Bank's position.... your right to refer your complaint...

 

...

 

Clearly I do hpoe you will not find this course of action necessary and thank you, once again, for taking the time and trouble to bring your concerns to our attention.

 

YS

 

Marcus Golby

Head of Service Delivery and Change"

 

 

I now await the check with extremely ready hands (being a part-time mature student with only a voluntary job) - but I will not forget to throw something into the hat!

 

Thanks guys and the very best of luck to everyone still fighting (including me with NatWest.... oi vey....! Actually half of that will pay for taking NatWest to court, hooray!)!!

[macymoo]

I have received exactly the same letter this morning from First Direct's solicitor agreeing to pay me the whole £1300, I don't think they fancied going to court this month !!!

[clairus99]

Congrats!

[kaznelson]

Congratulations

[dave]

Have you completed the survey?

 

http://www.consumeractiongroup.co.uk/survey.php

[clairus99]

That's funny - I did it just before coming to this thread.

 

Great idea!

[clairus99]

This topic was closed on 09 March 2019.

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