Thread: Un1boy v Co-Op **SETTLED IN FULL**

Hey guys!!

Just to let you know I have sent a my Data Protection Act letter for three accounts held with the Co-Op. I got their reply confirming receipt of the request and that I would get the information within 40 days of their letter.

There were three errors with this letter however:

1. They only put one account number on it.
2. The 40 days starts from when they received the request AND payment. since they cashd the cheque, this proves they received the payment at the time of my request.
3.They didn't mention anything about manual intervention.

I send all letter recorded delivery too, so had that proof.

I sent them a reply thanking them for their letter and advising them of the points above, hehe.

We will say how they reply to that!!

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don't worry about it stick to YOUR timetable and give them a reminder after about 20 days (use e-mail addy on here)

Oh don't worry I will!!

I got a reply from Co-Op the other day listing all accounts saying that they will send me the required information AND notes of any manual intervention on all of them!! hehe.......I love keeping them on thier toes!

I have a quick question though, I have had a lot of charges refunded in the apst as I work for the same company and they didn;t pay me properly. How do I then calculate which refunds are for which charges as they have been credited on different days!!

What you reckon!?

Thanks

I've decided that instead of putting a summary of the letters and recieve I will post them on here. Would that help anyone following my claim? If not then I won't do it.

Anyway, here's the DPA follow-up one I sent them after they only sent me the acknowledgement with one account number on it:
_______________

Thank you for your letter dated xxx confirming receipt of my Data Protection Act (DPA) Subject access request (SAR). I am writing as you only included the following account details: xxxx. I would like to advise that I requested the same information about all of the accounts above in the same request.

Your letter made no referenceto the following paragrpah:

"Additionally, where there has been any event in my account history over this period which has required manual intervention, by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. Please provide, explicitly, any notes or other entries you have about me regarding all accounts above, regardless of the reason for their existence."

I would therefore appreciate a reply to this paragraph relating to all accounts above as well.

Under the DPA you are required to provide me with all information I requested in my original request, with a maximum fee of £10.00 for the production of the information. Your letter mentioned also that the information would be provided within 40 days from the date of your letter. The DPA states that the 40 days starts from the date you received my request and payment. The Royal Mail’s recorded delivery service confirms my request was received by you on xxx, and the cheque has been cashed, proving you received the payment along with my request. Therefore, under the terms of the DPA I expect to receive the information for all accounts above within 40 days from the date you received my letter.

Although I am confident you will forward the required information promptly, I have to advise you that if I do not receive all of the required information in a complete and secure fashion and within 40 from xxxx, I will send you a ‘DPA: letter before action’ with a list of information that is missing in order for you to forward it on. If all information has not arrived within the timescale set in that letter, I will apply to the court to make you comply with my full request.
________________

To which i received this reply:

____________

I confirm from our record that we are aware your request includes copies of statements and also copies of notepads (manual intervention) for three acoounts:

xxxxx
xxxxx
xxxxx

Please be advised our reply will cover all of your accounts and will be sent by xxx Aug 2006
_____________

Just waiting til next week now then should have all the information I need, hehe!

Hope this helps!

ok I have received my info however in an envelope which was ripped with a massive hole in and you could read all of my details - so that's going in my prelim letter as they ahve failed to provide it in a secue fashion.

Anyway over my three account the total is around £400 (have total figures at home) should I do all three accounts at once, or seperately. Also, I used to work for the a company which is part of the co-op bank and they didnt pay me properly so i got loads of bank charges refunded as part of that. I have minused this refund from my toal calculations, but how do i work out which ones gave been refunded for the purposes of the interest?

Thanks guys

Prelim letters sent so they should get them Tuesday.

I have decided to do each account seperately as it makes it easier.

Will keep this Post updated on progress!

Well guys, prelim for Co-Op recieved 06/09/06 - clock is ticking!

Right, no answer to my prelim for this account - lba sent today!

Hiya, received this letter yesterday:

__________

Dear Un1boy

Account number: xxxx and xxxxx

Thank you for your recent correspondance. I am sorry you have had to write to us.

I can appreciate that you are unhappy with the charges that have been applied to your accounts. As you are aware, the charges are valid and in line with the terms of your accounts.

After reviewing your accounts, I can confirm the total charges of £90.00 and £220.00 have been refunded to your accounts as a gesture of goodwill on this occasion only. This will appear as a credit on your next statements.

I hope this meets with your approval. However if you have any further enquires please do not hesitate to contact customer blah blah blah
___________

so, the long and short of it is I've won!!!!!

now, do I leave it at that, or should I write and ask for my costs towards the DPA request and recorded delivery too?! lol.

You are on a roll now. Well done.

Hehe, thanks - how are yours going?

Smile paid up no problem, but need to do round 2 as had more charges.
Not got round to doing MCOL for Alliance and Leicester.
Yorkshire Bank case stayed for 30 days so we can settle. 10 days left and not a word.
Revenge will be mine though.
Thanks for asking.

Originally Posted by caro

Smile paid up no problem, but need to do round 2 as had more charges.
Not got round to doing MCOL for Alliance and Leicester.
Yorkshire Bank case stayed for 30 days so we can settle. 10 days left and not a word.
Revenge will be mine though.
Thanks for asking.

Hey, no problem!

When did you do Smile? Was it recently? From what I can gather, they used to be quite good, but now they are making us issue MCOL!!

I'm just sending Co-Op a bill for the psotage and Data Protection Act costs, hehe!!

Do you win by default if they don't reply after the stay?

It's gonna be weird soon though, shoudl have all my charges back by around xmas and then I won't have anymore cheques or whatever to receive. I won't be receiving so much post, that's for sure!

Originally Posted by un1boy

Hey, no problem!

When did you do Smile? Was it recently? From what I can gather, they used to be quite good, but now they are making us issue MCOL!!

I'm just sending Co-Op a bill for the psotage and Data Protection Act costs, hehe!!

Do you win by default if they don't reply after the stay?

It is in my sig and I also had threads. I have heard that Smiles complaints team is really tiny and I think they just can't keep up.

As for Yorkshire Bank I wish it was that simple. I would then have to wait for a date from the court. They are a nightmare. I have a thread in that forum if you want to know more.

Ok, I'll check your thread out!

Bit cheeky but worth a try. I'm sending them this:
_____________

Thank you for your letter dated 26th September 2006 and for refunding the charges requested. I am writing however to request you to refund the costs I incurred due to this. My costs are set out as follows:


£10.00 DPA request
£4.00 Recorded Delivery Costs


Total costs = £14.00.


I am happy for these costs to be refunded to 089300 75107527 within the next 14 days.


I would appreciate if you can confirm how the refunds will appear on both of my statements, both the charges and my costs.


Thank you for your time and effort.
______________

What you think?

If its of any use i sent MBNA a schedule of costs and charges i wanted to reclaim, it included the S.A.R - (Subject access request) fee, fees for the letters I wrote, postage and of course the charges, interest id paid and contractual interest.

Oh and they paid it all too.

HTH

Glenn

Hi Glenn,

Thanks for this. How much did you charge for your letters?

and what's the difference between id and contractuaral interest?