Thread: Bank charges- Help Needed

Like a number of people, I have made a bank charges claim against the Co-Op. I was suffering financial hardship at the time and asked that the fsa waiver be applied. Just prior to this, I was overdrawn and I requested that The Co-Op cancel all direct debits.This was requested verbally and in writing. Despite my request, and a letter some weeks later confirming that they have acknowlkedged this, they continued to apply charges as they did not cancel the direct debit payments.

During this time I applied for all charges up the point that I requested all direct debits to be cancelled, to be refunded under my fsa waiver rights.

They ignored these requests and refused to acknowledge that I had requested the fsa waiver rights.

After many months, several breachs by the Co-Op later, I wrote to the fos. Their initial letter stated that this was a bank charges issue and this was pending the test case.

I wrote to them to point out the contents of my complaint had not been read. Part of this was a bank charges claim and that the Co-Op would not acknowledge my FSA waiver rights, part was the Co-Op not cancelling the direct debits as requested and the rest was about the breaches in law and regulations that the Co-Op had made.

After the FSA wrote to both parties, the Co-Op had then passed the case onto Frederickson International, against the guidelines on this. I wrote to Fos to advise them of yet another breach. I am still waiting to hear back from the Fos.

Today, I have been sent a demand from Moorcroft demanding the full overdraft. This is despite the Co-Op being fully aware that the Fos are looking at a complaint against them. Any advice?

Just had a letter from the Ombudsman. Co-Op have offered to refund the charges that should not have been applied after I requested my direct debit payments to be stopped.

The Ombudsmanhave however, ruled in the Co-Op favour. They have stated that they have treated me fairly and are entitled to pursue any debt.

Now call me stupid, but I have had not received any evidence or letters from the Co-Op when it came to dealing with Financia lHardship.

Furthermore,this account was in dispute. The Ombudman has ignored all the breaches made by the Co-op, the Consumer Credit Act, The OFT guidelines on debt collection, and all the other rules.

Unsure what to respond. I am waiting for advice to come out about reclaiming bank charges but it would seem the Ombudsman has ignored the main points of my complaint and have produced no evidence.