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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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| | | | | | | 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.
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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 |  | 
28th February 2007, 15:40
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#1 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
|  Loans
Has anyone been "sold" a loan by the Co-Op to cover unlawful charges (overdraft) and then been successful in getting their money back?
If so, would you please post links to threads.
Many thanks
Mr P | 
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5th March 2007, 12:02
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#2 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
bump | |
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17th March 2007, 13:04
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#3 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
bump | |
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17th April 2007, 15:22
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#4 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
bump | |
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2nd May 2007, 12:23
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#5 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
bump | |
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25th May 2007, 14:50
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#6 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
bump | |
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1st June 2007, 16:33
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#7 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
A few years ago we were persuaded to take out a loan to pay off O/D, I think it was for 4000.00. We have since had two more loans both of which were to again pay off O/D and previous loan. Present loan is for 10K.
How do we start to claim back interest etc? Have read loads but just don't understand it.
These loans were from the Co-Op and on all occasions someone rang us up to explain how much better off we would be if we had a loan off them !! | |
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1st June 2007, 18:42
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#8 (permalink)
| | Platinum Account Customer | Re: Loans
thats an interesting one as such.
the thing is the banks do never acknowledge that the charges are unlawfull. all they do is make goodwill payments against them.
now if there were a way to get around that, then you had to take the loan out because they levied unlawfully charges against you, that they acknowledge as such. so it would have a legal footing.
plus you would have to prove that ALL the O/D & interest was ONLY as a result of bank charges too.
then bobs your uncle, they would have to pay you back literally everything, loans, the interest on the loan & interest on that money that you could of invested elsewhere.
legal minefield me thinks, but interesting.......
dx100uk
__________________
my views are my own...seek legal advice if ness
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1st June 2007, 19:14
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#9 (permalink)
| | Platinum Account Customer
I am in: DERBY
Posts: 1,767
| Re: Loans
I know theres a spreadsheet to work it out but I just don't know where to start. Is there an idiots guide to this anywhere please? | |
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6th June 2007, 15:45
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#10 (permalink)
| | Platinum Account Customer | Re: Loans
I have just read your topic as I also want to make a claim against my loan account, my account is with Nat West, I have already claimed back the charges from them back in January and then I found a loan agreement which clearly states purpose of loan "Consolidation of Bank Debt"
Like you have mentioned there does not seem to be much information on how to go about claiming
Here is my topic Consolidation of Bank Debt loan
Any suggestions phatram would be appreciated | |
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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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