success with the un-cooperative bank!

miss stewart · 9th August 2006, 14:28

Hi Everyone.
I sent my s.a.r. letter and have received a pack of my last 6 yrs statements.I have gone through all the charges.
Can I claim back the service charges ? These are applied when you go over your agreed overdraft.(£25.00)
Can I claim for daily excess charges? (£15.00 per day)
Can I claim for commision?
I imagine that the subscriptions I can't claim back?
Can anyone please advise. It would be much appreciated. Thanks.

thewifeandI · 9th August 2006, 16:08

Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!

Apologies for the slowness of the site today - recent publicity has made us very popular!

Penalty Charges that are directly related to going outside the Ts&Cs of your contract with the bank in respect of your authorised overdraft facility (i.e. exceed your limit) and that are higher than the real cost to the bank of those breaches are reclaimable. Commission, ATM fees, and other fees for services
incurred in the normal running of your account cannot. So, the first two you listed can be, the last one can't.

miss stewart · 9th August 2006, 16:18

Thanks for your reply,it's much appreciated.
The commision is charged when there are insufficient funds to pay a DD. It's £30 per item. this seems excessive doesn't it?
So, just so I'm clear on this-I can claim the service charge and daily excess charge-but not the commission or subscriptions?
Thanks for your help.

thewifeandI · 9th August 2006, 16:32

If it's related to being over your limit then yes, you can relaim it. Commission is normally listed for foreign transactions, etc. That's why I didn't think it was related. And I agree - it is excessive.

miss stewart · 20th September 2006, 22:54

Hi.
Ok, The story so far,
Request sent 20/06/06-statements received on 40th day.
Prel sent 09/08/06- no reply
LBA sent 08/09/06- not heard anything yet-2 days to go
so getting the moneyclaim from ready to send.
Am confused as to what to put in the daily rate of interest bit at the end. can anyone help as I don't want to mkae any mistakes at this point.
Any help really appreciated.
Thanks

miss stewart · 20th September 2006, 23:05

Hi.
Can anyone tell me what to put in the moneyclaim form at the end where it says daily interest. Have 2 days to the 14day deadline so getting it ready.
Thanx

lisamellor · 20th September 2006, 23:12

one way to do it is to look at the interest tonight and then look at it tomorrow see how much it has gone up. this will be your daily interest.

at least i think!

lisaxx

MARTIN3030 · 20th September 2006, 23:39

Hi MS the daily rate is worked out by a simple calculation.
if you have already done a spreadsheet then you should have that.
How have you done your charges schedule ?

ukaviator · 21st September 2006, 09:22

Hi Team

Daily interest is worked out by:

Amount of charges X 0.00022 = Daily rate.

This is without the court fee and interest at 8%.That goes on afterwards.

Hope this helps

Ukaviator

miss stewart · 20th October 2006, 19:04

Hi. Have been patient with the Co-Op bank and after my 3rd letter (lba) I recieved a letter to say they would let me know in 6 weeks. Have filled in dates etc on spreadsheet but is there a quick way to work out 'days since offence?'
Any advise appreciated. Thanks

livelylad · 20th October 2006, 19:08

Quote:

Originally Posted by miss stewart

Hi. Have been patient with the Co-Op bank and after my 3rd letter (lba) I recieved a letter to say they would let me know in 6 weeks. Have filled in dates etc on spreadsheet but is there a quick way to work out 'days since offence?'
Any advise appreciated. Thanks

Hi the days since the offence are qorked out by entering the date of charge on the spreadsheet. Then entering todays date on the spreadsheet. This gives you the days since offence and interest amount.

Why have you sent 3 LBA's? There is no need please follow the correct proceedure you run the risk of them not taking you seriously.

miss stewart · 20th October 2006, 19:14

Hi. Sorry it was the way I wrote it- By 3rd letter I meant 3rd as in
1. Request letter
2.Prel approach letter
3. letter before action.
Thnaks for your help -much appreciated.

miss stewart · 7th November 2006, 16:38

Just to let everyone know who is following these claims through that I was starting to get a bit panicky and had started to fill in my online claim. Got a letter form co-op refunding all of MY money "as a goodwill gesture" back into my account. Total of £1400.00. Thanks for all the help from all on this site. The hours of reading and following everyone elses cases has paid off.
Good luck to anyone else claiming their money back-stick with it.

miss stewart · 7th November 2006, 16:50

Hi. Just to let everyone know that the Co-Op refunded all my money just as I was starting my online claim, So stick with it.
Thanks for eveyones help on this site.

breadline · 7th November 2006, 18:53

HIya Miss Stewart
FAB news and an inspiration to others, i will ask that a MOD mergae title be changed to Miss Stewart won and they will also place it in the co-op section for you.

Weldone
BL

ian cognito · 7th November 2006, 21:56

Well done, seems it was a good day for it! got mine too, just waiting for Smile now.......

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