First Direct - (merged)

leona71

I would take this money and run. This is a fair settlement and will save you the hassle of going to court or long waiting times for the Financial Ombudsman (FOS).

Leona

greyteam1959

Sounds fair enough to me
Take the money before some guy in a silly wig in a courtroom decides to throw out all these cases.

ilovegreatdanes

i agree, with all the compo firms jumping on the bandwagon, re tv ad other day, wouldnt be surprised if they started defending the claims(remember they have more dosh than you and can afford to lose....or win at court).good offer, so id deffo accept.

bank_charges

Hello all

Had a shock when I logged into online banking this morning... turns out I'd managed to withdraw £10 from my firstdirect current account from an ATM late on Saturday night - even though I didn't have £10 available balance in my account!

The ATM handed it over, and now the bank have slapped a £25 overdraft charge on the account.

I wonder what chance I'll have of reclaiming the charge - surely the bank shouldn't have allowed me to withdraw any money if I had insufficient funds?

Any experiences with this?

Stephen_Leak

bank_charges wrote: »

I'd managed to withdraw £10 from my firstdirect current account from an ATM late on Saturday night - even though I didn't have £10 available balance in my account!

I am not even going to ask the obvious question. I appreciate that late on a Saturday night is not the best time to be using any form of advanced technology, especially an ATM.

bank_charges wrote: »

The ATM handed it over, and now the bank have slapped a £25 overdraft charge on the account.

I wonder what chance I'll have of reclaiming the charge?

You should have every chance of reclaiming it. Regardless of the circumstances in which it was raised, it is still “extravagantly” higher than the cost of automatically administering your misdeed and therefore unlawful.

bank_charges wrote: »

surely the bank shouldn't have allowed me to withdraw any money if I had insufficient funds?

Don't call me Shirley. Why would any firm turn down the opportunity to earn an easy £25?

Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.

jenreg

I quite apprehensively followed the `claiming bank charges` back and have just recieved an offer. My original claim was for £1.366.00. The Bank First Direct have made me an offer of £933.00 and I am tempted to accept on the pretext that Martin says don`t look at the residue as a loss but look at the gain! whats your views guys?.. I do feel there is a victory here but...

Stephen_Leak

jenreg wrote: »

I quite apprehensively followed the `claiming bank charges` back and have just recieved an offer. My original claim was for £1.366.00. The Bank First Direct have made me an offer of £933.00 and I am tempted to accept on the pretext that Martin says don`t look at the residue as a loss but look at the gain! whats your views guys?.. I do feel there is a victory here but...

Obviously, it all depends on your circumstances and the amount involved (both in real and percentage terms) but, personally, I regard any part offer or payment as an attempt to take some of the charges from you for a second time.

kpey

Oh my god! Sent my letters off 19th June got letter from FD today with an offer! Fantastic!

:beer:

Claimed £1,145 (with interest £1,195). Offer is £998 (85% - spot on Martin!)

BUT they have said in the offer that it includes £25 of charges which have accrued - now can't be bothered to go in to detail but those were recent ones due to the advice of FD so I called them this morning and the guy on the phone removed them there and then.

I have to call back on Monday to talk to someone about my offer (I am going to give it a punt and tell them I want £1,100 and see where I get). Otherwise I still have this offer.

BUT the offer specifies it includes those charges of £25 - will they resend without the charges now they have been removed? (I know it's only £25 but still, and if you amend the letter its null and void)

AND just wondering if anyone has haggled with FD and got an increase? There are only aboput 12 charges (massive ones hence the large total) so even if I take off £3 for each of those then that's still over £1,100 so I think it's a reasonable amount.

Thanks :rolleyes:

kpey

Got my offer letter today - I want to haggle and am calling them on Monday - has anyone had any success with FD doing this?

Thanks

FlexUK

Hi guys I've read the thread on - What can be claimed - but I am a bit confussed with the terms on the statement:

CHARGE UNPAID ITEM £37.50
EXCESS OVERDRAFT FEE £25
OVERDRAFT FEE £20.00

I know that I can claim the first two, but not sure about the third one??? Please help if you have expreince of this.

thanks