soniah v Co-Op

[soniah]

Subject Access Request sent today 20/12/06 requesting 6 yrs information for two accounts.

Will update when I recieve.

[ian cognito]

Just popped in to wish you good luck, don't know why, you don't need it!

[soniah]

Thank you I just hope that this one is over and done with quickly....

[ian cognito]

Oh it will be, co-op are wonderful!!!

Merry Christmas xxx

[soniah]

Does anyone know how long it usually takes to recieve the statements from the Co-Op?

S

[ian cognito]

Mine took 39 days but some had them quicker

[soniah]

Hi,

Just received both statements from the Co-Op and the return of the £10 cheques that I sent them. However what they have sent is not a normal statement. I am now a bit confused....

On the statement is states both Commission and a fees line, can I claim for both of these or just the fee???

I would like to get my first letter out today, so any help would be much appreciated. I have looked through the Co-Op forum but cant see this question??

Please help??

Thanks.

[soniah]

IT SEEMS AS THOUGH THEY HAVE DONE THE WORK FOR ME, RATHER THAN DO THE SPREADSHEET IS IT ACCEPTABLE TO JUST SEND BACK THE CALCULATIONS THEY HAVE SENT ME FOR BOTH COMMISSION AND FEES OF WHICH i AM PRESUMING ARE THE SAME JUST NAMED DIFFERENTLY. OF SHOULD i DO MY OWN SPREADSHEET EITHER WAY????

[dx100uk]

well i'm wondering if there might be a money saving ploy going on here.
signs of something to come by all banks?

if they provide the list of charges & a total, they will, ofcourse, not include compounded interest [at whatever rate you wish to use]. hoping or assuming you do not think you are intitled to it. Thus it saves them money? under a smokescreen of 'oh aren't they nice, they gave me what i wanted without charging me!'

i would be inclinded to use their figure then add what you feel is correct interms of interest using vampiresses spreadsheet.

AFAIK you have nothing different there to what i claimed, bar, Daily Excess Charge?

up to you, but if it were me i'd return the cheque and say no give the full statements please.

though again, i have read somewhere that it is all they have to provide, just a list.

intersting thoughts, any takers care to add to this??

dx100uk

[burf03]

My wife has the same problem, to me it seems that this is just a way around sending the statements and hoping that you fall for it.

I want all the statements so I can go through them. IThere is a letter in the templates section which tells them they have not sent what you asked for and you are giving them the remainder of the 40 days to send it otherwise you are taking them to court. I will be sending that along with the £10 cheque again.

[trickytrish]

this must be just a new thing as my nephew sent his S.A.R off sometime in december also and got a letter back with his charges all listed too and the £10 cheque returned he recieved this back yesterday!

I sent my S.A.R off the end of november and got my statements one day before the 40 days were due on the 9th January!

I think I'd agree with DX100UK and BURF that there hoping that you'll just go for the charges they have listed, But If it was me I'd wait till all the statements arrive! so you can go through them yourself, because the lists from the bank might not be the true list of charges!

good luck all

[tintin_uk]

I think tis may be a new policy - post-Jan 07 - to deal with an increasing number of claims. I made my Subject Access Request request to the Co-Op in November, and although it took them the full 40 days, I did get all my previous statements (and they cashed my £10 cheque.) This arrived on 31/12/06.

TT.

[soniah]

Recieved a letter this morning, saying that they are sorry that I have had to complain but they intend for someone in there customer service team i am presumin that others have had this? what usually happens from the COOPs side at this point?

[ian cognito]

This is a standard letter, you may get another 1 (or 2) yet - keep going you're getting there!

[soniah]

So I should definatley continue to send out my second letter on the date that I quoted in my initial letter?

[ian cognito]

Yes continue with your timetable, send your LBA 14 days after your prelim giving them another 14 days before you file at court.

[soniah]

Thanks for your help Janquinny, as I thought. Come on next Monday!!

[soniah]

Can anybody help with a letter template. The Co-Op have refunded some of the money into my bank account, but have left approx £2500 so i want to state thank you but I still intend to continue for the balance...

Help much appreciated.

[ian cognito]

Rejecting Offers