Consumer Action Group envelope labels
You are part of a community of over 185,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
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NW11 7PE
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Are you being threatened over debts more than 6 years old? This may be unfair
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Would you like to clean up your credit file? Check it out | | | | | | | Cooperative Bank Meet other Co-Op Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | Welcome to The Consumer Action Group and The Bank Action Group
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.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
13th June 2006, 15:08
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#1 (permalink)
| | Gold Account Customer | Whats a notepad? Not as stupid a question as you may think, this is from The Co-op Data Protection Act response letter (was for Smile): Quote: |
I acknowledge receipt of your request for copies of notepads and transactions on the above account since this was opened. Under the Data Protection Act, this is referred to as a Subject Access Request
| Does this mean I'm going to get a stack of spiral bound notepaper with random biro scribblings on it?  |
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13th June 2006, 15:37
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#3 (permalink)
| | Gold Account Customer | Re: Whats a notepad? Quote: |
Originally Posted by dolly It's basically a section that they can type in, keep records of points made on phonecalls etc. A bit like a word document. For example, it might say 'Letter sent in response to Data Protection Act request' and the date or 'Rang up to complain about charges. Advised to blah blah'.  | Ah gotcha. Thanks for the explanation  |
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14th June 2006, 08:30
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#5 (permalink)
| | Gold Account Customer | Re: Whats a notepad? Quote: |
Originally Posted by un1boy Have they asked you to provide any more info/send ID/fill in a form and asked for payment or anything?! | I sent them £2, they wrote back and asked for a tenner. Even put in a pre-paid envelope for my response too.. although I chose not to use it and send it recorded 1st instead so I can keep tabs on it
The exact words were.. Quote: |
If you wish to continue with your request then please forward a cheque for £10.00 in the enclosed pre paid envelope and arrangements will be made for the information to be provided within 40 days of receipt of your cheque
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14th June 2006, 09:00
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#6 (permalink)
| | Platinum Account Customer | Re: Whats a notepad? They are right asking for a tenner, that's the MAXIMUM fee it will cost you for them sending you all this info, required under the Data Protection Act - don't send them anymore Quote: |
Originally Posted by thunderpuss2k I chose not to use it and send it recorded 1st instead so I can keep tabs on it  | You're right to this, I personally send it all recorded - they have no excuses then and it only costs one pound!!
Good luck and keep us posted!! |
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14th June 2006, 09:03
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#7 (permalink)
| | Gold Account Customer | Re: Whats a notepad? Quote: |
Originally Posted by un1boy They are right asking for a tenner, that's the MAXIMUM fee it will cost you for them sending you all this info, required under the Data Protection Act - don't send them anymore | Thanks, I know that - but as I said in another thread when you're doing god knows how many of them in one go, all those tenners add up! HSBC have said they'd do it for £2, which was a result.. Quote:
You're right to this, I personally send it all recorded - they have no excuses then and it only costs one pound!! | Worth keeping an eye on recorded, Royal Mail actually 'lost' a recorded item a few weeks back! I resent the letter special, then put in a complaint to Royal Mail for £32 compensation. Knowing my luck I'll get it all back in stamps... which is a bit useless, as I use Smartstamp and print all my postage
Will keep you posted..
__________________ If my reply or advice was helpful, please click the scales! ------- DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation. ------- Stuff I'm working on: Way too much to list now! |
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14th June 2006, 11:27
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#8 (permalink)
| | Site Team | Re: Whats a notepad? Quote: |
Originally Posted by thunderpuss2k Worth keeping an eye on recorded, Royal Mail actually 'lost' a recorded item a few weeks back! I resent the letter special, then put in a complaint to Royal Mail for £32 compensation. | How is a letter worth £32???
__________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) www.unsubscribe-me.org www.LOVEstoke.org |
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14th June 2006, 11:32
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#9 (permalink)
| | Gold Account Customer | Re: Whats a notepad? Quote: |
Originally Posted by barracad How is a letter worth £32??? | Took me half an hour to write it, proof read, print, fold the letter, and so on and so forth. My time is worth £64 an hour, for the purposes of this claim..
.. or it could be that it's the maximum you can claim under standard recorded insurance  |
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14th June 2006, 11:42
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#10 (permalink)
| | Site Team | Re: Whats a notepad? The maximum is just that - a maximum amount.
You will get a refund of your postage, and they'll probably send that in stamps. I don't think you'll get any more than that.
__________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) www.unsubscribe-me.org www.LOVEstoke.org |
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14th June 2006, 11:47
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#11 (permalink)
| | Gold Account Customer | Re: Whats a notepad? Quote: |
Originally Posted by barracad The maximum is just that - a maximum amount.
You will get a refund of your postage, and they'll probably send that in stamps. I don't think you'll get any more than that. | Not gonna split hairs on this, but from the back of the recorded slip.. Quote: |
If your item is lost or damaged... We'll pay you compenstation for the value of your item up to 100 times the price of a basic weight First Class stamp
| If you don't ask you don't get.. I then had to send a follow up letter special delivery to cover the loss of the first one, so it's at least a fiver by now. |
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14th June 2006, 11:52
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#12 (permalink)
| | Site Team | Re: Whats a notepad? Quote: |
If your item is lost or damaged... We'll pay you compenstation for the value of your item up to 100 times the price of a basic weight First Class stamp
| They won't pay £32 for every item that goes missing, it depends on the value of the item.
Anyway, pointless arguing about it. When you get your book of stamps, let me know! 
__________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) www.unsubscribe-me.org www.LOVEstoke.org |
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