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Hi,
We sent off our SAR yesterday and eagerly await a reply. I reckon they owe us hundreds if not thousands from the last 6 years. Must admit do find this quite daunting and will probably need a lot of help.
We also have credit cards to deal with, could anyone please tell us where to find copies of letters to send to them?
Thanks in advance to anyone who helps out.
Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Hi,
I 've been reading this site for weeks and have plucked up enough courage to go for it. We are owed thousands from one place or another and want it back. W e've banked with the coop for over 20 years, wish we could get it all back off them !!!
Thank you.
I've just worked out the "ethical" bank has had £1193.69 since last December in "commission" etc.
I can't wait for 6 years statements to arrive !!!!
Hi there
Starting to fill spreadsheet no 5 (Bank charges England). Am I right in thinking I do not have to put anything in columns D, E, J & K. Also in column G, do I put in the interest rate, or do I leave it blank for the spreadsheet to calculate the interest charged?
Sorry to appear dumb!!
We have a little problem.
On the 2nd of Jan the Co-op put £3910.50 into our bank account under the heading of ADJ COMMISSION. We have had no written correspondence from them at all even though in Dec they charged us £60 for whatever reason.
The date for us to file MCOL is fast approaching and we are a little stuck as to what to do now. Any help gratefully received.
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
24,976
Re: Phil and Alison V The Co-op
ok well i think one thing you need to do is take a deep breath & get your heads together here.
sadly, with your posts being spread around several threads [& i note a moderator has already done some work to ammend this] it is very difficult to assertain if what you are posting DOES actually relate to your co-op claim. but p'haps with all the other claims going on your way it can be excused.
so, are you indicating that you sent a claim into the co-op which did not cover the whole of the six-year period you could recover?
what you can claim is not going to go away into thin air, you need [and i say it again] to take a step back, gather your thoughts, and do it properly & carefully then it will not make us & yourselves look a little silly when payback for them does comes around.
Hi dx,
i did ask for this thread to be closed etc but its still here and as this is us v coop i thought it best to put my questions here as opposed to the 1 headed SAR.
Thanks for your reply but it doesn't really help us.
Ininitally we received the last 6 years' statements and we completed our lba for non-compliance of SAR (incomplete SAR & late receipt). We then sent our prelim for these 6 years. A couple of days later we receved statements for another year with charges etc. We believe that due to deliberate concealment under section 32 of the Limitations Act we can claim these back too. All we need to know is should we do a new LBA with a new schedule of charges (incl the new year), minus monies they have already paid us? Or do we stick with the last 6 years only, sending in a further claim at a later date? We are demanding all statements back to 1983.
hope you can help
Phatram
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
24,976
Re: Phil and Alison V The Co-op
ok well.
you go back to my starting period with them too! 1982!
right AFAIK you can only claim back 6yrs, [i asked this at the beginning of my thread if you look there]
there is a bit in the FAQ section highlighted to me about this too.
so i think you need to do nothing/dont change your plans
i think everyone would like it to go back to the year dot, but i dont think it ever will happen
watching your MBNA thread also as ive got one of those too!
We have now received another years statements, so what do we do now?
Should we do a new list of charges including whats on the new statements and give them another 14 days before filing MCOL?
Advice needed please, from someone who knows.
Phil and Alison v The Co-op ***WON***
yesterday and eagerly await a reply. I reckon they owe us hundreds if not thousands from the last 6 years
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