 Philk23 V Co-op Bank
Hi all
I'm claiming against the Co-op. Not for much at the moment, less than £200, because I only went for six years of charges, which is effectively only four because I closed the account two years ago. I'm at the letter before action stage, and although I've tried to follow all the steps set out on this site, I still seem to have messed up a bit, maybe. Let me explain.
Briefly, I've sent a request for payment and a letter before action and have had no reply to either, although I got a response to the Subject Access Request. I'm worried already - I sent them by normal first class post, via a postbox. I wish now that I'd sent them by registered post, but I didn't think about it at the time. I bet they claim they never got the letters, though, if I make a claim against them at court. Anyone got any ideas on this?
Anyway, I'd like to claim back more than six years, as the bulk of my charges were about 7-8 years ago. I closed the account eventually because of their unethical stance of ripping off their customers with charges.
Here's the other thing I think I messed up. When I sent my Subject Access Request, I enclosed a £10 cheque and requested details of my full banking history with them. They cashed my cheque, but only sent six years of statements, not the full history I requested. At the time, I decided that that was probably the best I was going to get, so I didn't reply to them, and the 40 day period elapsed some weeks ago. What should I do? Should I send another Subject Access Request for the other period? Send a letter requesting the missing information that I asked for and giving them another 40 days? Should I send them another tenner? Should I attempt to include the earlier period in my current claim, or start a separate claim for this period? I'm sure that they will take full advantage of any mistakes I make, and I just don't know what to do next. Gaaaa!!!
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