Calling all first direct customers!

[jonboy75]

Re: Calling all first direct customers!

over 600 page views across both sites...I'm starting to think this isn't happening to anyone else

that's good enough for me!

[jonboy75]

Re: Calling all first direct customers!

I just sent my full complaint off to the ICO with all correspondence to and from first direct and Equifax. In every instance when I asked Equifax to correct the data (which says 'In Arrears') they simply and pathetically just asked first direct. first direct just sent back a standard response each time, with exactly the same text:

"The company has investigated your query and have told Equifax that the information is correct and
should remain unchanged."

There was no investigation into the details of my complaint whatsoever. Anyway, I can't see how the ICO would not uphold my complaint, but I will wait and see and not get my hopes up.

fingers crossed for my 2nd major battle with the banks!

[Never-In-Doubt]

Re: Calling all first direct customers!

There was no investigation into the details of my complaint whatsoever. Anyway, I can't see how the ICO would not uphold my complaint, but I will wait and see and not get my hopes up.

fingers crossed for my 2nd major battle with the banks!

Best of luck - me thinks you'll be disappointed at the ICO outcome - they will simply run behind SCOR

However, i'll remain optimistic for you....

[jonboy75]

Re: Calling all first direct customers!

Best of luck - me thinks you'll be disappointed at the ICO outcome - they will simply run behind SCOR

However, i'll remain optimistic for you....

I fear you could be right, but I live in hope. They could even come back and say 'make sure you have enough money in your account and this won't happen', stating the fecking obvious like many MSE contributors.

It's funny how this is not even an issue for 95% of people as their banks dont report it. When (if) their banks do start reporting returned DDs, watch MSE go completely haywire with complaints.

[Never-In-Doubt]

Re: Calling all first direct customers!

I fear you could be right, but I live in hope. They could even come back and say 'make sure you have enough money in your account and this won't happen', stating the fecking obvious like many MSE contributors.

It's funny how this is not even an issue for 95% of people as their banks dont report it. When (if) their banks do start reporting returned DDs, watch MSE go completely haywire with complaints.

Thus I don't frequent MSE - they allow too many arseholes to post on there.

[jonboy75]

Re: Calling all first direct customers!

i have a question. I want to challenge first direct over bank charges using the new arguments. It's not really about the money, it's more the principle and to see if a precedent can be set. Yes, difficult I know, but I'm willing to try.

I also want to challenge first direct under the Data Protection Act, for posting late payment markers for returned direct debits (see this thread for more).

My question is this...should I do this under 2 seperate MCOL claims, or just the 1?

ta muchly
J

[jonboy75]

Re: Calling all first direct customers!

btw, I'm still waiting for a response from the ICO over the DPA issue. I want to get their verdict before going to court.

[Never-In-Doubt]

Re: Calling all first direct customers!

Try and keep things issued as specific individual claims unless you are planning on merging them anyway, which you wouldn't want to do - maybe best to do 2 claims, although at this stage its a risky game to consider taking HSBC to court - Carey (& others...), anyone? anyone?

[jonboy75]

Re: Calling all first direct customers!

Try and keep things issued as specific individual claims unless you are planning on merging them anyway, which you wouldn't want to do - maybe best to do 2 claims, although at this stage its a risky game to consider taking HSBC to court - Carey (& others...), anyone? anyone?

niddy

this would not be a CCA challenge, just bank charges and DPA

[Never-In-Doubt]

Re: Calling all first direct customers!

niddy

this would not be a CCA challenge, just bank charges and DPA

Hmmm, still, its not the sort of thing i'd jump into..... just my opinion of course. Unless reclaiming bank charges does involve taking action, in which case then you'd keep that separate from any DPA claim.

Have you considered a formal approach prior to claim, ie the regulatory bodies?

[jonboy75]

Re: Calling all first direct customers!

Hmmm, still, its not the sort of thing i'd jump into..... just my opinion of course. Unless reclaiming bank charges does involve taking action, in which case then you'd keep that separate from any DPA claim.

Have you considered a formal approach prior to claim, ie the regulatory bodies?

I'm waiting for a response from the ICO on the data issue. For the bank charges, I will go straight to court. No regulatory body will find against the banks over charges, following the Supreme Court case. Plus, I'm not in financial hardship, I just want to test the new arguments myself.

[Never-In-Doubt]

Re: Calling all first direct customers!

Crazy

Best of luck then

[jonboy75]

Re: Calling all first direct customers!

Crazy

Best of luck then

The DPA issue is the real one. I will drop the bank charges thing if they resolve the data issue

[Never-In-Doubt]

Re: Calling all first direct customers!

The DPA issue is the real one. I will drop the bank charges thing if they resolve the data issue

Anything to update....?