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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Kicking Kay v Co op - **WON**


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hi everyone this is my first post im abit nervous as im not sure im in the right place but im sure some one will direct me if im not!:lol:

ok i wrote my first letter after calculating my total charges sent it recorded delivery now i have had a reply

"we will ring you in due course"

now i am not waitng for more delay tatics they have til next week then i start step 2 ......................................problem what is step 2 i know i read somewhere claim on line but to whom and where and how lol

any advise would be gratefully received

thanks

klare xx

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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You the send second letter from the library informing them that if they do not respond within 14 days then you will commence action. Mind I have done this and got a letter back asking if I wiil give them 6 weeks to deal with my claim!

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  • 4 weeks later...

ok update i have today filed an online claim now as im sick of being fobbed off by computor generated letters thanking me for my patience and i can i wait a further 6 weeks!

will keep you posted!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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thankyou although i am slightly nervous!!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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hello all, well i received my letter from the courts stating they have received my claim and anticipate that the co op should receive theirs first class post, their dead line date is 02/10/2006 by which time they need to reply if not i think that means an automatic win??????

anyway lets see how they play it now, im a bit worried as everyone seams to be settled up before online claim is filed!!!!!!

keep ya posted

kk

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Threads merged.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i have just checked my account online and i have had my chargesd refunded except for my court fee's shall i stop my claim ring them or what or should i just be grateful for getting my charges refunded? i had no written confermation just a refund!!!!!!! im not sure whether i should ask for those too, if not how do i now cancel my MCO?

thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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:D hi i couldnt change my heading so i have pasted the link to original post

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/30352-kicking-kay-co-op.html

i just need a bit more advise please

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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I would be inclined to remind them that they still owe you the court fees as you would not have had that expense were it not for the charges.

 

Well done on getting the rest though.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:confused:

I would be inclined to remind them that they still owe you the court fees as you would not have had that expense were it not for the charges.

 

Well done on getting the rest though.

 

morning all HELP!!!!

ok had charges refunded as you know wrote letter to court yesturday to acknowledge this and close case however this morning i have had a reply from the courts staing the Co-Op are defending the case, does that mean they are taking me to court they have already refunded the money im so confused!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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ok as you know i have had my charges refunded however on the friday after i received a ltter from the courts "co op will be defending the claim", im now really confused they refunded me my charges what are they playing at???? im so confused should i be worried i have already written my letter to the courts informing them the claim has been settled but its in my bag waiting on your advise...............................

many thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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It's standard practice that they say they're going to defend.

 

In fact, it's the only option they have realistically, as the other options are:

 

1) Admit that the money is owed (you win)

 

2) Admit that only part of the money is owed (you win)

 

3) Not reply at all (you win by default)

 

By acknowledging the claim and stating to the court that they intend to defend is the only defence they really have left.

 

This means they still have the option to settle with you, out of court and "without admission of liability" - which they have already done in your case so you have absolutely nothing to worry about.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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It's standard practice that they say they're going to defend.

 

In fact, it's the only option they have realistically, as the other options are:

 

1) Admit that the money is owed (you win)

 

2) Admit that only part of the money is owed (you win)

 

3) Not reply at all (you win by default)

 

By acknowledging the claim and stating to the court that they intend to defend is the only defence they really have left.

 

This means they still have the option to settle with you, out of court and "without admission of liability" - which they have already done in your case so you have absolutely nothing to worry about.

 

 

 

 

thankyou i will post today

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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they refunded my court charges too! and sent me a nice letter thumbs up coop!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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