RedVixen vs Co-op

[RedVixen]

Subject Access Request sent last week

They are going to serve a default notice on me this week but the ammount they are issuing the notice on is less than the unfair charges so I am hoping this can be removed at a later date.

Infact everything that they claim I owe them is charges

[c_allen]

send them a letter stating that the account/amount is offically in dispute and to stop any actions they may be taking, do this today via recorded del

[shelter pie]

I had this problem with my wooly claim - they kept pileing charges and sending me letters re defaults.

As awful as it sounds its just scare tactics!!!!

In fact all in all most of my deafults are 100% bank charges!!

Stand firm and stand strong you'll get there!!!

[RedVixen]

This was over three weeks ago and the default hasn't appeared yet - on another note despite the fact that Lloyds received the Subject Access Request nearly a month ago I have just had notification of another charge - do they not communicate to each other?

[RedVixen]

OK got my Info back now with no attempt to explain how all charges are justified unlike RBS. They still haven't issued a default notice.

It is a very simple list with column titles i really don't understand but recognise the amounts in the first column as definately being charges

Question - there is a standard £8 service charge that Co-op charges is anyone is over drawn by agreement - can this be claimed as well because this account was never that far overdrawn and £8 represents a significant cost relative to the ammounts.

There are off course much larger costs when the account was overdrawn more that the agreed ammount which mounted up an caused the problem

[c_allen]

no you can't claim arrangement fees, sorry

[pickupapenny]

Hi

I sent my Subject Access Request on 31st March and as of yet had no response - Did they cash your £10 cheque? - mine has not gone out yet - just wondered what my next step is. They have until tomorrow to respond but I'm not sure if Bank holidays are included in the 40 days... Any help appreciated!

[Bolton1]

Its 40 earth days so weekends and B/H are included. Phone them up and ask them to confirm that you will receive them as if not they are in breach of the Data Protection Act.

[pickupapenny]

Thanks, will do. Let you know how it goes!