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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.
Some of you may have seen my post in the Employment section regarding a legal dispute i have against a previous employer.
However I wanted to show some appreciation for other financial institutions.
Firstly, in no way am i trying to take the limelight off of some of your issues with charges etc at the Co-op.
However I thought I would share my personal experience with the bank. Sadly I have had some issues, possibly similar to one or two of you here (bankruptcy and struggling to get back on track)
I just wanted to say that so far the Co-op have been extremely helpful to me; With the added stress of my case I have on a couple of occassions got my dates mixed up on when DD's & SO's were due to be debited.
Yes, I did get notification of charges and the possibility that my account would be closed if further issues happened. However, I wrote a letter to customer services detailing my problems and why I got dates confused and I must say, they have been very very helpful.
So much so infact that my fees were waived/reversed. I am on a low income at the moment (Incapacity benefit) and i detailed this and also advised them of what i was going through, and as i said - they were very helpful and reversed the pending fees.
As said above, I am in no way trying to make light of what some of you have experienced with the company, but felt I should let people know that its not always bad.
Im possibly just an exception to the rule, but like i said they have been very helpful to me in my time of need compared to other banks i once was with.
Please accept my sincere apologies if this is posted in the incorrect area and feel free to move it to a more appropriate section.
I wish you all the best in your current affairs and hope things arent to bad. I'd also like to thank anyone who has given advice to not only myself but many others who use this forum.
You guys are doing an amazing job and keep up the fantastic work.
Thanks again, and take care
XXX Banking Plc: (Cant Disclose for Legal Reasons at the mo)
Sexual Discrimination/Breach of DPA 1998 Letter before Action Sent : 03/06/2009 (Delivered 05/06/2009)
<Response to settle to be received from them no later than 23/06/2009 or court papers filed>
I'd like to add my weight to the above. I've been with the co-op (a cashminder account) for several years. They were particularly helpful after I had a mini-stroke (TIA) and was in a state of confusion for several weeks.
I'm glad to hear that, although sadly in my case the Co-op have been very lacking.
I too had a very serious stroke in April 1990 I had to have an operation to stop the bleed this lead to spasticity and various other after effects.
In from 1991 until 2007 I had 9 loans with the co-operative bank for various amounts all paid up early attached to these Loans was PPI Insurance I was told that i had to have it so went along with this until 2007.
I was made redundant so tried to claim but was told by the insurer that I was not covered due to pre-existing medical condition.
I should never have been sold these useless policies.
I started the rocky road of attempting to claim the cost of these policies back in early 2008 and to date my claim is still with the fos as I reached deadlock with the co-op.
Im hoping for a favourable outcome soon but I do not hold my breath they owe me close to £25,000 and that is still rising by the day.
I wrongly though the Co-op was a good bank but in truth they are no better than the other major players.
It is warming though that they have looked after you but as I say that is not always the case as my case goes to show.
Co-operative Cashminder Account
(Delivered 05/06/2009)
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