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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Cooperative Bank > Co-Op and Smile successes

Co-Op and Smile successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 4th September 2006, 19:28   #1 (permalink)
ian cognito
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Smile Q v Co-operative Bank ***WON***

Took two S.A.R - (Subject Access Request)'s into the Co-op Bank in Balloon Street today, 1 for Co-op, 1 for Smile, put the two letters down on the reception counter and had a very interesting conversation:

"Could you take these and give me a receipt please"
"What are they?"
"Letters"
"Why do you want a receipt"
"to prove I delivered them"
"oh right - I'll be back in a minute"

Five minutes later she returned with a compliments slip written out that the letters had been taken and would be delivered to the correct department. So thats the first bit over with.

Interestingly, I received an e-mail while I was at work telling me my Smilemore account has been transferred to a current account so I no longer have to pay the account fees!
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Old 7th September 2006, 08:39   #2 (permalink)
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Default Re: Q vs Co-operative Bank

Well the £10 cheque has been cashed that I sent with my S.A.R - (Subject Access Request), notice that didn't take 40 days!
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Old 8th September 2006, 22:38   #3 (permalink)
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Default Re: Q vs Co-operative Bank

All these companies have been trying to process these requests alot quicker lately but sometimes things are getting lost in the system, good luck and keep us updated.
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Old 10th September 2006, 00:31   #4 (permalink)
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Default Re: Q vs Co-operative Bank

Cheers for that, Co-op have returned one cheque to me as they don't need payment for both the co-op and smile accounts, must say I wasn't expecting that!

Await the statements now, patiently of course
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Old 17th October 2006, 13:14   #5 (permalink)
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Default Re: Q vs Co-operative Bank

Just been into the main Balloon Street Branch and handed in Prelims for both Smile and Co-op accounts, confused them a bit by asking for a receipt!! Don't do receipts apparently . When I insisted I was invited in to see the Branch Manager who asked if his word wasn't good enough , I said I would rather have it confirmed in writing but was happy to take the letters back and send them recorded delivery, his assistant had them in her hand opened!!!
Receipt duly scribbled on a comp slip.

Ah I feel so much better now.
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Old 22nd October 2006, 21:04   #6 (permalink)
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Default Re: Q vs Co-operative Bank

That was quick, received a letter yesterday, sorry you are unhappy etc, etc, they'll get back to me within 7 days to tell me how much longer it will take them to look into my complaint! yawn!!!
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Old 7th November 2006, 19:28   #7 (permalink)
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Default Re: Q vs Co-operative Bank

YES!, YES!, YES!, (cough) sorry no need to get carried away, received a letter today from the Co-op, they are sorry I have had to write to them etc. etc. the charges are valid etc. etc. THE TOTAL CHARGE HAS BEEN REFUNDED TO YOUR ACCOUNT!!, hope this meets with your approval etc etc.

Thank you CAG, Caro for support and all fellow co-op claimers - don't give up!!!

Donation winging its way!
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Old 7th November 2006, 19:57   #8 (permalink)
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Default Re: Q vs Co-operative Bank

CONGRATULATIONS JAN
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Old 7th November 2006, 20:11   #9 (permalink)
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Default Re: Q vs Co-operative Bank

well done hun. enjoy spending it
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Old 7th November 2006, 23:25   #10 (permalink)
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Default Re: Q vs Co-operative Bank

Go Jan, go Jan!!!! you make it seem so easy...

I am 'doing' the co-op at the mo....hope mine goes as well as yours!!!
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Old 8th November 2006, 08:37   #11 (permalink)
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Default Re: Q vs Co-operative Bank

It was fairly Thomper but I have been moaning at them about bank charges since 2003 and I still have the letters to prove it!

Keep at it, it won't be long now!
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Old 8th November 2006, 09:28   #12 (permalink)
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Default Re: Q vs Co-operative Bank

Many Congratulations. Don't forget the survey.
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Using the Consumer Health Forums helps support CAG

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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Old 8th November 2006, 09:38   #13 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

Just sent my first letter to the Halifax, I'm attempting to get back just over £4,000 wish me luck
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Old 8th November 2006, 11:11   #14 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

Thanks Caro, survey done and donation done as well - best money I ever spent!
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Old 8th November 2006, 11:13   #15 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

Good luck llandegla, if you haven't already done so, start a thread in the Halifax forum, you'll get all teh help and support you need off the wonderful people on this site.
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Old 9th December 2006, 08:46   #16 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

ooohhhh help. I have have read your threads and advice to people many times and I would like some advice!! I have sent my spreadsheet in and claimed for debit interest, commission, service charge at eight and twenty five pounds and daily excess charge is this right or have I cocked it up royal!!
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Old 9th December 2006, 09:13   #17 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

It may be that you can't charge the £8 fee but it won't make any diffenece to the claim, they will just ask you to remove it from the total, don't worry you'lll have no trouble but if you start your own thread in the co-op forum, you'll get lots of help and advice. If it will make you feel better, deduct the £8 charges when you send in your LBA.
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Old 9th December 2006, 12:07   #18 (permalink)
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Default Re: Q v Co-operative Bank ***WON***

Co-op makes things confusing don't they Jan! Masking their 'punishment' charges as a 'service' charge.... how is that a Bl**dy service?!?!?!?

I am still confused over the whole interest things as I didn't think we could claim any interest at the prelim stage... loks like somebody didn't spend enough time readingthe faq's - ooops!:o
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Old 9th December 2006, 12:14   #19 (permalink)