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.
Hi. Just found this site. What a GREAT site. Will let all my work collegues know about it.
I have just sent my 1st letter for statement requests. I looked back over the last 8mths on internet statements and found they took near 1000 pound !! I think my total could be nearly 5k ++ with interest !!
Hi, welcome to the forum. Hav a look at the various threads and it will you a good idea about timescales etc and how the co-op are dealing with the claims. if you need help feel free to give me a shout
Hi i need some advise.
I sent a general letter in requesting statements in on 17/4/07 and had a standard letter back say they were looking into it and would take 4wks etc.. I then sent you official 1st letter (but no cheque or proof of post ?) on the 26/4/07 and heard nothing ? But today they sent another letter out saying they need another 4wks which is within the FSA guidelines ?
What should i do next ? Anybody got any idea's.......
Hi, you seem a bit confused as to what to send and when. If you sent the SAR for your statements on the 17th April, they have 40 days to give you the information. You should also have sent a cheque or postal order for £10. After you have received the statements you should send them the preliminary letter requesting your money back and giving them 14 days to do it. after this you should send them the LBA - letter before action giving them another 14 days. You probably won't have got your money back at this stage. The next step is to file in court, this gives them 14 days to say if they are going to defend the claim which they normally say they are going to do and if so they have a further 14 days to put in their defence. From experience the co-op pay out before having to put in a defence.The bit about having 8 weeks to look in to your original letter is a bit confusing. Normally this is sent out when they receive the preliminary letter and under FSA rules they have 8 weeks to deal with a complaint although this does not supercede the 14 day blocks as outlined above. As your request for statements is not a complaint I think that they have sent you those letters in error. They only have 40 days in which to give you the statements otherwise you can report them to the information commisioner. When you do get your statements follow the procedure abocve. Also always send communications by recorded delivery.
Hope it helps. If you need more info give me a shout.
Hi Bolton, thanks for the quick reply, but i am still unsure what to next ? As i have sent 2 letters. 1st one as just a general letter. Then i sent the official letter for statments but no cheque. Should i sent another letter but may have to wait another 40 days? Not sure if they had mine 2nd letter ? or should i write and ask them if they have had the 2nd letter ?
Any help would be appretiated...
Hi, I have only just found this forum so apologise if I'm writing this in the wrong place!
I've just received my list of charges for the past 6 years. I'm a bit confused how to work out what exactly I can claim for - I understand that I can claim all of my 30/35 quid "fees" and my 25 quid "commissions" but for the years where I don't have my statements any more, and where they have combined different fees/commissions, how can I be sure that I'm claiming for valid amounts ie amounts like 41.20 instead of the standard 25 quid?? Does this make sense???
Thanks for any info/advice anyone may have! Also - how many of you have had your accounts closed after recieving your money?
Right - I've read a load more threads and feel a bit more knowledgable now about what i can and cannot claim for but I am still a bit confused about the overdraft charges. Before I started paying a Privilege subscription I had to pay 8 quid a month when I was using my overdraft (which was every month). I understand I cannot claim for this but what about when instead of the 8 quid, when i went over my limit it was replaced by a 25 quid fee. Can I claim for all this or just the 25 minus the standard 8 quid?
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
so you can claim all the figures in the commissions column (ie 25s and30s etc,)can you claim the £8s also in this column ?????(is this monthly fee for using overdraft facility )..................i cant claim anything in the debit interest column??..........In the fees column had yearly amount of £15, cannot claim ??????? / then when priv account started £6 per month(then £8 in commissions stopped ) cannot claim ????????...../,but also in fees,a few bigies £35s which i can claim,....... so sorry to be a pain but trying to sort this out for sister ,and co-op seem to have made things really difficult for everyone,she s given it to me to sort out. could really do with some help with this thanks
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've definately taken the first step into claiming back what's rightfully yours.
Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the templates library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.
Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.
Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.
Hi finally got my statments after 3 letters and 41 days !!
With interest it's about 3500 grand... But the statment runs from May to May 01. But this last month the bank has charged me 245 pounds for various chargers.My question is can i go June to June 01 ? i.e. can i set where the 6 yrs starts and finishes as long as it is 6 yrs only ?
And stupid question can i claim all the charges back on their sheet ? - Commission / debit interest and fees ?
Any help would be of help.
Richard
Hi
Thanks for that. Is it 14 days now after i have sent the spread shhet back ? The 2 letters i had had different levels on ? one said 14 days the other said 8 wks ?
Sent letter requesting £3389 last friday and today as a "Goodwill" gesture they gave me back £2860 !!!! All down to this GREAT SITE.
Keep onto them.....It's our money !!!!
Hairyman vs Co Op***WON***
!!
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Originally Posted by dx100uk
