First Direct - (merged)

depressed_of_lincolnshire

lee26g wrote: »

Hello,

I might be on the wrong board for this so sorry.

I have just received a fee of £50 from First Direct for going over my overdraft by £20 for 2 days!! when I said spoke to them to try and get it removed they said it was part of the terms and conditions of the account. Is there anyway I can claim this back ?

Lee

except they charged me a wopping £150!!! Now I would love to claim all the charges back but I am too scared in case they close my account or lessen my overdraft - I would then be in the ****


If the banks lose as sure as eggs is eggs they'll get it back.

HAVEFAITH

Hi are the following narratives re-claimable:

CASH TRANSFER FEE

CASH ADVANCE FEE

sdooley

depressed, you could always switch to A&L who will match your current overdraft and give you interest-free for a year.

SaRRiN

Hi All, Does anyone know if first direct are still sends statements for last 6 years free or should i send cheque in case, also is it 6 years i can try and claim for. i closed my account about 2-3 years ago can i still claim for this account.
regards
Lee

struth*ruth

I would send a cheque in case, but it seems that they've returned it on nearly every request, and yes, you'll still be able to claim on that account - 6 years is correct.

I have a question... Has everyone else noticed that FD are now calling their overdraft charges 'arrangement fees' and will this make a difference when trying to claim them back?

Thanks.

a1i

SaRRiN wrote: »

Hi All, Does anyone know if first direct are still sends statements for last 6 years free or should i send cheque in case, also is it 6 years i can try and claim for. i closed my account about 2-3 years ago can i still claim for this account.
regards
Lee

I still bank with them, but I got the last 6 years of fees (not statements) for free.

a1i

Well, I bit the bullet and wrote to FD to get my charges for the last 6 years. Amounted to £650. So I sent off the letter (I have also asked for interest). They have replied to say that it's in the to-do pile, and that nothing will be done until the courts have sorted it out. In the letter I mentioned that I am in finanical hardship, so they sent me a form to complete. I'm just a bit annoyed about that, as I rang them, maybe a month ago, and went through me finances then - so they wanted it duplicated:mad: . Anyho, I have filled it in (again) and sent it off to them. In their covering letter, they did say that they would try to help if financial difficulty can be proven. I think having £30 in the bank account once bills are paid is enough to prove my need!

I'm hoping for at least the fees to be returned. I've kept a copy of the costs they asked me to complete - so if I don't hear anything by August 1st, then I'll get onto the FSA, and state my case.

Let's see what happens.

neil9313

Diggerb wrote: »

First Direct! I was with them some years ago, but binned them, they are I think one of the worst banks I have ever had the misfortune to deal with,
Which surpises me as they are part of HSBC,, I have been with HSBC for years and generaly HSBC has been very good to me (so far) not the same for everyone I know, I think it largely depends on the branch itself that you deal with.

However, if First Direct do impose the fine (cos thats what it is) of £10.00 for having less than £1500.00 in the bank at any one time, I reckon they will lose a hell of a alot of customers, and share holders, "for whom the bell tolls" you might say.

Diggerb

This is utter rubbish, the terms say you need to credit £1500 per month or have another product, ie just a saver account, so you dont pay £10, i wish people would give correct info on here.

neil9313

lee26g wrote: »

Hello,

I might be on the wrong board for this so sorry.

I have just received a fee of £50 from First Direct for going over my overdraft by £20 for 2 days!! when I said spoke to them to try and get it removed they said it was part of the terms and conditions of the account. Is there anyway I can claim this back ?

Lee

I have never paid FD anything, even when its been my fault, i suggest you give them a ring, be nice! if you have free calls in the evening, ring 0113 234 5678 its still first direct

borgbaiter

HAVEFAITH wrote: »

Hi are the following narratives re-claimable:

CASH TRANSFER FEE

CASH ADVANCE FEE

hi


no these arnt reclaimable as they are services you have asked them to perform

Borgbaiter