Pootle's Very Own Thread ;-)

pootle · 10th March 2006, 12:21

586rJKEE4

hello. All this news of refunds are very encouraging. I've been a less than perfect Co-op customer (had my credit card taken away, not allowed to increase overdraft etc) and thus they've made heaps of cash in charges from me.

I'm going to have a look through my statements and see just how much.

I am concerned that they might demand instant repayment of my credit card or overdraft in retailation (and seems to have happened to some people) but surely if it got to that stage then I could just say "ah, forget about it all then?" If I was successful, I'd actually use the money to pay off my overdraft or a good chunk of my credit card. That would help my cause wouldn't it?

Thanks for such a useful site btw.

Bookworm · 10th March 2006, 13:19

Welcome.

Yes, they might... then again, they might not, there is no set policy anywhere, even within the same organisation.

But if you threaten them with court action, they pull your o/d & card from you, you cave in, then:
1-They can still close you down, and you've gained nothing and lost everything.
2-You have just shown them that bully tactics do work, and next time you go begging to them, they'll be in an even better position.

Would paying your o/d out of the refund help you? In what way? Do you really believe they're going to look at your account, and say: "aaah, good chap, he'll put it back in, let's give him the money"? Really?

Sorry for being so blunt, but you need a reality check here. And you need to be prepared for the nastier options, including having to defend your claim in court.

pootle · 10th March 2006, 14:39

Nothing wrong with being blunt, at all! And I do SO need a reality check!! (as do probably lots of other people who have heard about this for the first time - this is being touted as simple as sending of a letter on other BB's

)

You make some very useful points, and apols if I am coming across as a bit simple. I have read the FAQ's!

Slightly o/t but can a bank just close an account because they feel like it? Or rather invent some reason losely based on fact to close it?

I think my first step is seeing if I can open a 2nd bank account I reckon!!

richardc · 10th March 2006, 14:57

Yes the bank can close your account if they wish. I've just answered you in another thread about a new account

Bookworm · 10th March 2006, 15:46

And by the way, sorry I didn't spot it earlier, could you please start your own thread?

pootle · 10th March 2006, 15:52

Quote:

Originally Posted by Bookworm010363

And by the way, sorry I didn't spot it earlier, could you please start your own thread?

Me? Start my own thread about what?

About me starting a claim?

About getting another account?

Bookworm · 10th March 2006, 16:09

There you are, did it for you

Feel free to change the title if you don't like it

pootle · 10th March 2006, 16:16

Aww!

You've made me feel all special now. And in the good way. Not like when my teachers used to say I was special

*ahem*

Yeah! Banks! Aren't they awful! etc etc.

Thank you!

Bookworm · 10th March 2006, 16:27

pootle · 13th July 2006, 14:29

Right. I shamefully joined this BB months ago, and have done absolutely nothing.

However, I've got my act together, and gone through all my bank accounts etc and have prepared my first letter, requesting a refund of £580.

Watch this space! And thanks to this site for helping us all out, innit!

pootle · 18th July 2006, 09:36

Hmm...I requested a new cheque book last thursday (the day after I sent in my first letter requesting a refund of charges) and I haven't heard anything yet, when in the past, it's been almost immediate. Doesn't look very promising, eh?

I'm a priviledge account holder, so really I'm paying a premium to get things like a cheque book anyway. I'll give it another day or so, but anyone got any top tips on how I should approach this?

pootle · 20th July 2006, 13:50

Spoke to customer services last night about another issue, but also asked if they had recieved my first approach letter requesting a refund, and detailing charges.

I spoke to a v helpful person who confirmed they had received it on the 17th, and it was being dealt with by "team 4" (or something) and that I should expect something soon.

When I pressed the guy on what "something" was he got a bit flustered, almost in a "I've let the cat out of the bag" way, so fingers crossed, they'll be a refund coming my way soon. If it's just a response letter, well, that's better than nothing. The 14 days is up this time next week btw.

Watch this space, innit!

pootle · 24th July 2006, 13:26

if anyone's interested...

I got a letter on Saturday, dated the 19th of July with mostly a standard response of "we're sorry you aren't happy etc etc but we will contact you again to reply specifically to your letter, within the next 7 days. We will try to phone you, but if we cannot reach you will write to you" signed by Sharon Rankin.

I have a couple of "number witheld" calls on my mobile which I've missed, so I'm guessing it was the co-op...is it worth me trying to speak to Sharon Rankin, or is it best to leave everything to letters? Has anyone else heard from Ms Rankin?

pootle · 25th July 2006, 16:44

Is anyone following my thread/case?

Has anyone heard of Sharon Rankin or dealt with her?

pootle · 26th July 2006, 11:14

Me again....

The 14 days from my prelim letter are almost up, and its time to start drafting my LBA

QUESTION: should I address it to the same person (Ms Burgess) that I sent my prelim letter too?

I'm only asking because I got a letter signed by Sharon Rankin saying that they would be in touch to address the issue in 7 days (this deadline has passed btw)

Whaddya think?

nellio · 26th July 2006, 13:31

I addressed all my letters to Ms Burgess. none of the replies have come from her but they do get acknowledged/ fobbed off by someone called David wyman. I started court action 2 weeks ago and I'm still waiting.
Good luck!

pootle · 31st July 2006, 15:31

I got another letter on saturday saying something along the lines of "sorry, we said we'd respond in 7 days, but we haven't. We'll deffo respond in the next seven days. Honest"

Or something.

No skin off my nose. My LBA is going in the post tomorrow, and they can take up to 14 days to sort it out!

Any news nellio? I got my chocolate bar though!

pootle · 4th August 2006, 10:10

Harumph.

I sent my first letter outlining the fees I was requesting back, along with a schedule, and copies of statements back on the 13th July. I recieved one letter saying I'd get a response within 7 days. Then another letter saying "sorry we haven't sorted it, but we'll definately sort it in the next seven days" and then yesterday I got ANOTHER letter saying it'll take them SIX WEEKS to investigate! What's to investigate? I've given them all the statements etc.

I should just get the LBA sent off, eh?

Looks like the co-op are starting to drag...

Bah!

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