First Direct - (merged)

michael1983l

jas135 wrote:

you cannot claim normal overdraft fees , only unauthorised overdraft fees . This is normally a whacking 29% fee they put on the difference of the amount you go over your authorised limit .
hope that helps ..... merry xmas.

first direct charge you an overdraft fee and an excess overdraft fee they are both penalties so you can claim them both. these fees are both charged at the same time. I've never thathomed it out why they charge you 2 charges for one mistake maybe cos their fleecing mofo's.

Anyway on a lighter note First Direct get their court summons off me today.

MsDelightful

So that means I can claim back that £30? How do you advise I go about it? Just give them a threatening call, or start the whole letter writing exercise?

Rex_Mundi

If you are only claiming for £30, it may be worth giving them a call, or sending an email in the first instance before starting the full reclaiming process. You may find they will refund this one charge quickly.

MsDelightful

yay!

just called them and complained, and they rolled over and canceld the charge without any probs.

Thanks again MSE! I wouldn't have had to confidence to do this if i didn't know it was illegal to begin with

MsD

GPF

request for statements sent today with £10 cheque by recorded delivery.:D I await the reply.;)

mixu

Second letter sent yesterday... but Xmas post must have delayed their response to my first letter which arrived today.

£505 requested and £500 refunded! I'm not going to quibble over £5. Merry Xmas!

Thanks MSE

s55shh

anyone sucessfully claimed off FD for an old account? I closed mine about 6 months ago but was charged a fortune 5 years ago in overdraft charges.

frugallass

Posting my claim for £600 plus interest today (recorded delivery of course;) )

Incidentally I didn't claim for the "Overdraft Fees" (which I was charged every time I used my overdraft) as I didn't think that this was possible, I've only claimed for "Excess Overdraft Fees" and "Recall Charges" - have I done the right thing?

Thanks

lmeehan67

I claimed for both - some months this was as much as £130 ! Here is a list taken from another thread

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.

cindyhove

lmeehan67 wrote:

I claimed for both - some months this was as much as £130 ! Here is a list taken from another thread

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.

This is really useful, and maybe should be posted in its own thread or as a sticky?