ORANABANA & Co-Op (its a coop... no versus in that case!)

oranabana · 9th May 2006, 10:00

Here we go... not too much to claim, but I want every penny back! Its less than 200.00 over a period of 18 months (been too carefull before!).
Just emailed them a Data Protection Act request, asking for a list of al transactions etc, since the opening of my account, as I can't remember the date of account opening.

My question at this point - I have two accounts with them. A Pathfinder and a Current. Both of which have been hit with unfair charges. Do I request Data Protection Act and refund individually, or shall I ask for things to be dealt with for both accounts at the same time?!

Will keep you all posted to progress.
Cheers

robbond55 · 11th May 2006, 19:13

Hi there.
I believe as it is just one bank, it is just on request.
Therfore, the good news it that there is only one charge.
A Data Protection Act request is requesting all data that a particular bank or company holds on you, so wherher you have one account or ten with them is irrelevant.

alanfromderby · 11th May 2006, 19:20

robbond55 is correct.

Unfortunately, by sending your Data Protection Act by email you could be allowing them several avenues for delay. Better to send by recorded delivery, along with £10 maximum fee.

johnsacco · 12th May 2006, 08:22

Quote:

Originally Posted by alanfromderby

robbond55 is correct.

Unfortunately, by sending your Data Protection Act by email you could be allowing them several avenues for delay. Better to send by recorded delivery, along with £10 maximum fee.

Will it not suffice if you authorise them to debit the £10 from your account in the Data Protection Act letter?

alanfromderby · 12th May 2006, 16:05

The problem with email is that you have no guarantee that it has been read. Usually you will receive an automated response - but that does not mean it has been actually read. If you could get hold of the Data Protection Departments direct email, then that would help.

Yes you can ask them to debit the amount from your account, however many banks have been using this as a means of delaying compliance.

By sending it recorded delivery, with the payment, and possibly now even with a photocopy of ID, they have no possible excuse. It is just really trying to close doors.

oranabana · 15th May 2006, 11:05

thanks to all for replying, have not been able to get to a computer for some days, so only just noticed the replies.

The good news is, that I have revceived a written reply from the Co-Op, saying that they will provide me with this, if I could kindly sent them a cheque for GBP 10.00. I guess I will write to them with a cheque (or perhaps even just let them know to take it out of my account).

But its nice to see that they are responding to my e-mail (one sent to: keith.alderson@co-operativebank.co.uk, the other to the general e-mail from the website) in a proper and business like fashion. Will keep you posted. Off to make that cheque out now and to the post office.

Thanks

oranabana · 16th May 2006, 22:43

Spoke to a very helpful lady today who listened patiently to my requst for a refund of charges. She then asked me to tell her the dates and amounts of each of the charges (total of about GBP 160.00).

She then aked me if I had read the terms and conditions, to whihc I replied: 'ofcourse, however i like to point out the OFT desicion of April 06, in which these practices of charging are deemed unlawful.

She then asked me to put the charges onto a list and sen them to the Customer Care Dep (Customer Care Department, Delf House, Skelmersdale, WN8 6NY, UK).

So letter is going in the post 2mrw. (Already requested a PDA for which I will need to sent GBP 10.00.)

will keep you posted...

jonni2bad · 17th May 2006, 01:31

THREADS MERGED

Please keep all info in relation to this claim in one thread, thanks

NeilP · 24th May 2006, 22:23

Good Luck Oranabana,

Keep us posted with the events as they unfurl!

oranabana · 25th May 2006, 10:15

Well, just to keep u all posted with ongoings...

On the 17th of May I sent both a letter to the Co-Op with a list of unlawful charges and a letter asking for the disclosure of my account details, along with a cheque for GBP 10.00.

So waiting for a reply from them now. Also just realised that I have already had some charges refunded in the past - some of which I claim back now. Should I inform them that some charges have already been refunded and as an oversight I have asked for them to be refunded again?

OK, lets see where this is going.

Jamboray · 26th May 2006, 09:29

Hello Co-Op folks

Jumping on the band wagon here on the road to getting my money back. I emailed the Co-Op on the 6th April and ended up sending an email to Keith Alderson as they had breached the Data Protection Act rules. I got my statements and a nice phone call within 3 days.
Sent off today a request for £875, will have to break it down to two seperate claims if it goes to court (Scottish Law)
Had success with Cap One and hopefully the Co-Op.

Wish me luck and i'll keep you posted.

oranabana · 17th July 2006, 15:20

The Co-Op has cooperated. No further action was necessary. Today I checked my account and there was an Adjustment item for the full amount. This happened to be the time, when I was thinking I ought to get back at them and start court proceedings.

Well, going to buy that motorbike now - amount refunded will cover insurance cost!

Thanks for encouragement! - and good luck to the rest of you!

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