Hi Sal. Whats this all about going back further than the 6 years, has something changed. Bolton1

By my calculations the original 40 days are up on Monday.Give the cal centre a ring on 08457 212212 and ask them for an update.

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 Barbara. To be honest it is virtually impossible to claim back the debit interest as it is to hard to work out which part of it apllies to the charges. My claim was for £3,700 and the debit interest in total only came to £100 without working out what % of that was for the interest on the charges. I wouldn't bother with the interest just go for the big stuff!! If you are unsure what to claim, have a look at my threads or give me a 'shout'.

Have a look at my threads, it will go through the procedures for you. If you need any help give me a shout.

Congratulations Chelsea, it feels really good doesn't it. Enjoy your money

I predict a 2-0 win to forest

Good Result

PM a Mod with claim number, bank username and amount

Its 40 earth days so weekends and B/H are included. Phone them up and ask them to confirm that you will receive them as if not they are in breach of the DPA.

The claim should be in your friends name as you have no legal right to be claiming the money. There are no issues under the human rights act and you the need to separate the amount claimed and the interest claimed, 2 separate boxes on document. Total amount claimed will be charges plus interest plus court fees.

Stick to your timetable. Send the LBA after the 14 days is up from the prelim letter with the correct spreadsheet attached.

6 weeks from sending the lba

Just a quick update, Co-op have settled in full, see my other thread for info.