Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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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?
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| | | | | | | 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 |  | 
26th November 2006, 18:26
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#2 (permalink)
| | Site Team
I am in: Devon
Posts: 9,902
|  Re: Rob vs The Co-operative Bank
Quote:
Originally Posted by robbie_ship  Right. Got this under way at last. I sent off the S.A.R - (Subject Access Request) about a month ago and only last week received the copies of all my account activities (along with a transcript of all the notes made on my account by various Co-op bank employees).
I tallied everything up on the charges spreadsheet provided on here and found that I've been charged £1223 in charges and £51.96 in interest.
I sent off the prelim letter on Friday 24th November.
Previously, I wasn't financially prepared to start up the claim if it came to it.
I'm focused on this and ready to take it through to whatever end I need to. |
What is the interest that you have charged?
__________________ I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice. | 
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27th November 2006, 08:15
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#4 (permalink)
| | Site Team
I am in: Devon
Posts: 9,902
| Re: Rob vs The Co-operative Bank
Quote:
Originally Posted by robbie_ship The interest figure is the total interest charged for being overdrawn. It's tallied up by the spreadsheet supplied on this site. The idea being that you can claim it back because if you weren't charged in the first place, you would not have been so overdrawn and as a result, incur as much interest. | Perhaps i didnt ask my question very well, I mean is that the standard 8% you are charging? This can only be claimed at the court stage. If you are claiming the actual interest they charged you for being overdrawn, you can only charge them the amount that is a direct result of a charge.
__________________ I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice. | |
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27th November 2006, 12:36
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#6 (permalink)
| | Site Team
I am in: Devon
Posts: 9,902
| Re: Rob vs The Co-operative Bank
Quote:
Originally Posted by robbie_ship Oh dear. I seem to have totally misunderstood the spreadsheet and accompanying advice.
I assume the bank with rebuff my claim and point out I'm talking rubbish. Does this mean I will have to send another prelim letter or will this scupper my plans? | Just amend the claim on the LBA. It wont be a problem please take time to read the FAQS again 
__________________ I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice. | |
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22nd December 2006, 13:24
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#8 (permalink)
| | Basic Account Customer | Re: Rob vs The Co-operative Bank
OK, so Co-op Paid up without me having to file the claim.[  ] They paid back they refunded all the charges I had asked them for but not the debit interest as, according to the letter I received from them, normal debit interest was not included in the Office of Fair Trading statement I referred to regarding default charges.
Is this information about the debit interest correct? Should I pursue the matter? The debit interest cam to approximately £50.
Cheers,
Rob | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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