Consumer Action Group envelope labels
You are part of a community of over 195,000 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
|
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements
| |
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page Have you been defaulted?
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 |  | 
27th July 2006, 13:49
|
#1 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
|  Opalfruits vs Co-op - WON!!!
Hi all, this is my very first post.
I've just received the S.A.R details which show charges totalling £890 over the last 3 years. I'm absolutely fuming, as most of these relate to a period when my husband was out of work and we kept the Co-op fully informed throughout. We currently have an overdraft of £660 which coincidentally is exactly the amount they have unlawfully charged us in the last year. I've been so lethargic about the whole thing for so long. To make matters worse I'm a debt counsellor for a national charity and am always urging people to stand up to their banks.
I'm itching to get going! I've had previous experience of the county court anyway as I took my wedding photographer to court last year (I'm not the luckiest person in the world) so I'm not that bothered about the process.
I suppose I just want you all to wish me luck - this is a fantastic site and I actually recommend it to my clients.
Last edited by opalfruits; 17th August 2006 at 15:45.
| 
|  | |
31st July 2006, 17:22
|
#2 (permalink)
| | Basic Account Customer
I am in: preston
Posts: 123
| Re: Opalfruits vs Co-op
I'd wish you luck but we don't need it 
I'm also glad theirs people like you doing the charity work as i'm using CAB to help me with my probs! so a big thanx to you THANX | |
| | |
3rd August 2006, 15:36
|
#3 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
Thanks, it's really rewarding
I love my job, wouldn't change it for the world. I'm a wishy washy, do-gooding liberal and proud of it!! | |
| | |
4th August 2006, 13:14
|
#4 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
Ha ha, I got a reply to my preliminary letter yesterday - "We're sorry you aren't happy..." - I notice that they're not sorry enough to do anything about it though! | |
| | |
14th August 2006, 14:50
|
#5 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
LBA sent off this morning as I've heard nowt off them since 3rd August. | |
| | |
17th August 2006, 15:08
|
#6 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
Done it!! Looked at my account this morning and the refund was just sitting there. I don't think they've even received my LBA yet.
Next stop, HSBC. | |
| | |
21st August 2006, 14:56
|
#9 (permalink)
| | Basic Account Customer | Re: Opalfruits vs Co-op
Quote: |
Originally Posted by opalfruits Done it!! Looked at my account this morning and the refund was just sitting there. I don't think they've even received my LBA yet. | Woo! Good news for you!
I'm annoyed though at the same time, as to why my claim is taking so long : (
I sent my first approach letter, detailing my claim, schedule AND copies of statements on 13th July i.e before you opalfruits. I've had three letters saying they are looking into, and the last one said it would take up to 6 weeks. Did you get a letter like that opalfruits?
Is it worth me ringing them and saying something along the lines of "other people who started after me have had their refunds. Harumph." | |
| | |
21st August 2006, 15:12
|
#10 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
Sorry it's taking so long mate. The only thing I can think of is they know where I work as my salary gets paid in by BACS, and they're scared of me!! | |
| | |
21st August 2006, 17:34
|
#12 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
No, I got the 'Sorry you aren't happy and we are investigating' letter which promised that they'd be in touch within 7 days. Then I got the refund. After that I got a letter saying the refund was purely a gesture of good will on their part. | |
| | |
21st August 2006, 17:35
|
#13 (permalink)
| | Basic Account Customer
I am in: Newcastle upon Tyne
Posts: 16
| Re: Opalfruits vs Co-op
If it's been longer than 2 weeks since you sent them either your prelim letter or your LBA then you need to move onto the next step any way - stick to your time frame, not theirs. | |
| | 
Similar Threads | | Thread | Thread Starter | The Consumer Forums | Replies | Last Post | | Opalfruits vs HSBC | opalfruits | HSBC Bank | 2 | 17th August 2006 16:25 |
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.
|
