Buss Vs Co-Op

[Buss69]

Hey everyone, found the Co-Op forum at last and about to send off S.A.R - (Subject Access Request). It's been a real eye opener reading everyones dealing with the 'Ethical Bank' (anyone want to tell me whats ethical about Unlawful charges?).
Anyway it's filled me with confidence to procede. I do have a couple of questions if anybody can help.

1. I have a Privilege a/c with an overdraft of £2800 which is used to the hilt every month. I also have a £4500 loan with the Co-Op. Now with regard to umbrella a/c's has anyone been forced to repay amounts such as the above and/ or xfer this debt to an umbrella a/c successfully, as this is alot of dosh?

2. In the past unlawful charges have caused my a/c to tip over the agreed overdraft limit and subsequently be charged more unlawful charges the following month. My immediate remedy for this was to extend the overdraft limit to stop any future penalties but this was at a cost. Can I reclaim the cost of the extended overdraft seeing as penalty charges were the reason that the a/c went over in the first place.

Any help would be greatly appreciated

Viva all you Co-Op Claimers

Respect.

[fiyah]

they are good at increasing your overdraft when its their charges that make you go over your original overdraft limit. im in the same boat atm, they charged me 105 quid for not having enough money in the bank to cover 3 seperate purchases made on my visa debit card........the princely sum of 34.54...........most expensive bag of spuds, bottle of wine, 20 cigs and fivers worth of diesel ive ever bought. their answer was to increase my overdraft to "stop me getting anymore charges"
anyways im gonna wait till after crimbo b4 i start my case with co-op as ive got this funny feeling they are gonna go all the way to the court bit and i aint got the money to spare atm to pay for that. worked out how much theyve taken off me in charges over the past 30 statments and it comes to over 3 grand so far

[Buss69]

Hey thanks Fiyah, bet those cigs tasted good. Personally I can't wait any longer, strangely, can't wait to get started on these b**gers, feeling empowered at the mo. Not sure what they owe me as yet, i do know that i've been charged at least £300+ in the last 2 months (they gave me a really good kicking while I was down) and this is not the first time. I'll keep you posted on this thread. Easy.

[Buss69]

At what point do the 6 years back dating start? Is it when you submit your LBA or when you submit your S.A.R - (Subject Access Request)?

Anyone?

Tar

[Bookworm]

Subject Access Request.

[Buss69]

Thanks Bookworm

[Buss69]

Hi anyone!

I have just received a response from the Co-Op with regard to my S.A.R.. The bank have responded and said that they have received the S.A.R. and will respond within the next 40days. So far so good.

What I would like to know is, exactly at what point does the 40 days start. Is it;

i) From the day the bank received my S.A.R. (in this case 22nd Nov by recorded delivery) with payment, or

ii) from the day the bank received payment (I paid by Co-Op cheque to the Co-Op and it took 7days to process this) in this case 29th Nov, or

iii) as the bank has told me, 40days from them writing their acknowledgement response (29th Nov) which I received on the 30th Nov?

Which is right?

Kind Regards

[barracad]

Threads merged - please stick to one thread

The 40 days counts from when they received your request & payment.

[Buss69]

Thanks Barracad,

I think i'm being really thick. Sorry.
Does this mean;

40 days from when they receive my request and cheque (ie payment)

OR

40 days from when they receive my request and actually get the money in their account.

I'm sorry to bang on about this but the above 2 options are 7 days apart.

Regards

[barracad]

The 40 days counts from when they receive the request (as long as you include payment).

[Buss69]

Thanks for your patience Barracad. Much appreciated.