Please Help. First Direct charging us £185 bank fees!

cgnao

The charges are legally unenforceable. See http://www.andrewgeorge.org.uk/press/520.htm
Write a letter to your bank based on the following template:

Dear Sirs,

Between (insert first date) and (insert last date), you made various deductions from the account in respect of: ‘unauthorised overdraft fees’ (levied daily/ monthly when the account debit balance exceeded the specified overdraft limit) and ‘debit under advice’ (levied if a cheque or direct debit payment was returned unpaid because the specified overdraft limit had been exceeded).

If you are able to establish that the terms and conditions regulating my account did contain terms purporting to entitle you to levy these charges, I contend that they are unenforceable at common law, being penalty clauses rather than liquidated damages clauses.

I therefore demand that you credit my account with a sum equivalent to the total amount unlawfully debited during the above mentioned period, being (insert total amount of all disputed charges), within 14 days.

Yours Sincerely


Thre is a 99% chance that they will reimburse you. If they fail to do so, you can file a claim. PM me if you need any help.

BenL

I think when this is sorted you should move banks asap.

I'd rather talk to an Indian Call centre than pay £25 a day in charges.

Ben