Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 30th June 2006 10:30 #1
    cheshirecat cheshirecat is offline
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    Default 30 day notice to close current account

    Earlier this year I received a refund from the Co-op Bank in the sum of £1331.50 for bank charges over the last 6 yearsicon. I have had several charges refunded again this year, each time I write they refund without question. Now they have given me 30 days notice to close the account.

    Of course I realise this is a typical bully boys response, but was wondering if anyone here had received the same threat.

    Any advice on how to get the Co-op to back down on this?

    Thanks guys and gals!

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    Banks, give them an inch and they will take a mile.
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  2. 1st July 2006 11:52 #2
    Fully_charged Fully_charged is offline
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    Default Re: 30 day notice to close current account

    I've had charges refunded on my smile account but then the account was closed without any intimation and passed on to debt collectorsicon as there was an overdrafticon on it.

    i've just received a letter from co-op regarding my current account and they have offered to refund the charges but i suspect that they will close my account again.

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  3. 1st July 2006 16:07 #3
    un1boy un1boy is offline
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    Default Re: 30 day notice to close current account

    Are they actually allowed to close accounts based on claiming cahrges back?!

    I guess all the banks are going to do this now, eh?

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  4. 1st July 2006 16:35 #4
    callumsgran callumsgran is offline
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    Default Re: 30 day notice to close current account

    They're not supposed to, you can get an injunction in small claims court to stop them!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


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  5. 3rd July 2006 12:36 #5
    cheshirecat cheshirecat is offline
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    Default Re: 30 day notice to close current account

    Quote Originally Posted by cillitbanger
    They're not supposed to, you can get an injunction in small claims court to stop them!
    Do you have more details/info, not sure that a small claims court will issue an injunction against a bank.

    All help gladly received!

    Banks, give them an inch and they will take a mile.
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  6. 4th July 2006 18:04 #6
    un1boy un1boy is offline
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    Default Re: 30 day notice to close current account

    Yes, please tell us if you have any other information!!

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE