Bit worried and need some help as returned home today to find a letter from the coop bank stating that I must repay my overdraft & they have cancelled my chq book, ATM card & delta/credit facilities. This letter starts stating that prior to previous warnings i have failed to pay back my overdraft bla bla....i have never had any warnings!! Really worried as due to get paid on Monday: 1. I will be £200 down due to my overdraft scrapped 2. I wont be able to get access to my money as letter says any attempted use of my card etc is fraudulent I have been having an ongoing fued with the co-op bank & smile as reclaimed last 5 years of charges in July but they only paid half back owing much more. When complained further about this it then crossed into the latest that all cases will be reviewed after the OFT has looked at the matter. Co-op bank is my main account and so is in relative order however the smile account has continued to accrue charges due to them not paying the full amount back to me & charges for charges if you understand?!! I believe this is probably why this letter has been received. Can they do this? Is it possible to get my money paid elsewhere before Monday? (usual work electronic pay methods)

Hello...well firstly kinda good news in that Co-Op bank have refunded money directly into my account...this however is a lesser amount than claimed. The amount is for the very first request from calculating how much charges etc had been taken. In my other letters to them, further charges were accrued & documented in the letters. They are approx £200 less the amount claimed...what next?? As for Smile, no such success or reply yet. I did however on the same day as co-op refunded, get £50 refunded into the account. Still £700+ short! Again what next? Thanks

Letter to similar sort sent today with copies of all corres sent so far! Will let you know how I get on, however reckon by the time they reply it'll be 14 day time on the LBA (4/7/2007). Thanks

Hi. Just a bit worried as today I have received letter from smile header "Warning - Formal Demand is Imminent". This is due to my overdraft being over the agreed limit, which is due to overdraft charges taking me over & due to my ongoing dispute about charges, me refusing to bring my account back within the limit. The letter obviously states the usual threats etc & gives 7 days to contact them with payment proposal otherwise these threats will be actioned. What do I do?? I have still not had any reply from my dispute & LBA's were sent last week. Many thanks

Many thanks. LBA's sent today next day delivery! Will report back when acknowledgement/reply recd. Thanks

Hi All Needing some advice please. Am new to the site. I have been dealing with both co-op & smile bank in trying to reclaim my bank charges. To date however I have not had a result. So far.... 30 March 07 - Letters requesting copies of statements for 6 yrs. 16 April 07 - Letters to chase no response or acknowledgement 4 May 07 - (After having recd statements) Letters sent requesting bank charges refunded. 10 May 07 - Recd acknowledgement letters of a "complaint" 31 May 07 - Letters sent to chase as again no response 6 June 07 - Letter recd from co-op bank saying they need more time to investigate & this can be upto 4 weeks. 7 June 07 - Letter recd from Smile saying similar 11 June 07 - Letter recd from co-op regarding Smile account. This is threatening letter about my outstanding balance on the smile account. This has basically continued in past few months to go more & more overdrawn due to their bank charges. Not by me using it at all! 14 June 07 - Sent secure message to Smile stating my dissatisfaction that i had recd such letter when the charges were due to them etc & that I still had not recd a reply regarding the charges. Present day - I have not heard anything from either Co-OP or Smile. What do I do??! Help! :-|

Hi All Needing some advice please. Am new to the site. I have been dealing with both co-op & smile bank in trying to reclaim my bank charges. To date however I have not had a result. So far.... 30 March 07 - Letters requesting copies of statements for 6 yrs. 16 April 07 - Letters to chase no response or acknowledgement 4 May 07 - (After having recd statements) Letters sent requesting bank charges refunded. 10 May 07 - Recd acknowledgement letters of a "complaint" 31 May 07 - Letters sent to chase as again no response 6 June 07 - Letter recd from co-op bank saying they need more time to investigate & this can be upto 4 weeks. 7 June 07 - Letter recd from Smile saying similar 11 June 07 - Letter recd from co-op regarding Smile account. This is threatening letter about my outstanding balance on the smile account. This has basically continued in past few months to go more & more overdrawn due to their bank charges. Not by me using it at all! 14 June 07 - Sent secure message to Smile stating my dissatisfaction that i had recd such letter when the charges were due to them etc & that I still had not recd a reply regarding the charges. Present day - I have not heard anything from either Co-OP or Smile. What do I do??! Help!