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.
i was directed to this site by a friend of mine after my constant moaning about co-operative banks habit of putting me overdrawn by charges and then charging me for the charges.
theyve had enough off me in the past to make it worth my while to chase it all up, any tips of experiences with the Co-Op out there, they call themselves the 'ethical bank' - i beg to differ . . .
Apart from taking a while to send statements (but still within the 40 days) I fund the co-op very accomodating, 2 letters saying you're not having anything, then a cheque for the full amount.
Not saying this is everyones experience but a good read of the FAQ's and bank forums should help you along.
Hi Chris I have moved your posts to Coop bank group.
Here you should be better able to get answers and post updated progress
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
. . . after sending the Data request off before NewYear, I have received a rather encouraging response!!
The Co-op have responded by, firstly, sending my cheque back saying it is not necessary. This cheque is attached to a 5 page summary off all the Commission, Commission Refunds, Debit interest and Fees against my account since March 01!!
So, well over four grand theyve had off me, what I need to know is which of those charges (obviously not the refund) can I ask to have back, can anyone advise please?
I sent the 'request for repayment of charges' letter on the 16th of January. I only requested the charges that had supplied me with, largely because Im trying to buy a house at the moment and I dont have the time to be trawling through statements at the moment.
In the mean time, Ive opened up another bank account elsewhere in case of any problems later down the line.
This morning I received a letter from the Head of Customer Services, Mr Andrew Swinley, thanking me contacting them, apologising for the fact that Im unhappy with the service and stating that I will be contacted within 7 days, either by phone or mail.
I'm off on holiday no, so hopefully ill have a response on my retuirn . . .
Blimey. I go away for a few days and things start happening!!
I went to look at my online banking yesterday afternoon and I was presented with what appeared to be a jumble of numbers on the screen - this was in fact my balance after the Co-op had paid £3643.00 into my bank account.
Its a little way off the £4200 i was claiming but Im really not complaining - and it took pretty much spot on a month to do.
Thanks very much consumer action group people, youve made a real difference, I'd like to donate a bit to the site so you can keep helping other people, thanks again!!
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
. . . after sending the Data request off before NewYear, I have received a rather encouraging response!!
The Co-op have responded by, firstly, sending my cheque back saying it is not necessary. This cheque is attached to a 5 page summary off all the Commission, Commission Refunds, Debit interest and Fees against my account since March 01!!
So, well over four grand theyve had off me, what I need to know is which of those charges (obviously not the refund) can I ask to have back, can anyone advise please?
Any help is appreciated
chris
I'm in the same position, but am unable to locate the reply (Soniahs thread) you were directed to can you help?
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
You need to start a thread of your own in the Cooperative Bank section. You are in the settled section and your post runs the rsik of not being spotted.
Chris v Co-operative bank ***WON***
Reply With Quote
Originally Posted by _chris_
