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 !!

Wish me luck...

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...

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, 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?

no you claim the full £25, that was on top of the £8!

dont worry about a/c closure either.

dx100uk

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

there is a sticky on this look at the top of the forum.

priv is a subscription & no you cannot claim the £8 nor the £15 they are for setting up o/d. [not a penalty] .

read the sticky

dx100uk

there is a sticky on this look at the top of the forum.

 

priv is a subscription & no you cannot claim the £8 nor the £15 they are for setting up o/d. [not a penalty] .

 

 

read the sticky

 

dx100uk

Thanks alot dx , really helpful, the two items you mention were the iffy ones,to claim or not to claim, well sorted ,again thank you . :)

hairyman01,

Welcome to the CAG site

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.

Good luck with your claim.

Useful links to help with your claim

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

__________________

Hi sister sending first letter to reclaim charges ,where should she send it ,her local branch,or is there a special address for this

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:smile:

Hi Richard

You dont have to claim exact 6 years to 6 years in other words you can claim from may 01 to present now to this month june!

you cant claim debit interest back and also cant claim back any subscriptions like the £8.00 or (now £8.50 monthly fee) for subscription

but you can deffinetly claim everything else

hope that helps and good luck

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 ?

Anybody help with that ??

congratulations that was quick wasnt it did you send an lba or just a preliminary.

CONGRATULATIONS, another win for us and another lose for them.

please fill in survey.http://www.consumeractiongroup.c o.uk/survey.php

and please remember this site relies on donations. Thankyou.https://www.paypal.com/cgi-bin/webscr

hello, i asked a claim company to take on Co-Op/ halifax for me this was the begining of feb this year they say they have not recieved statements yet never contact me or even inform me of any thing ,i gave them an extra month before i cancel them this is nearly up, do you think i should carry on as i have charges going back over 6yrs,and if i start myself i could loose an extra 5mth worth of statements if i cant claim back over 6 yrs.has anyone else claimed over 6yrs with coop?

how would i start my first initial letter to them?

thanks for all your help

i would start you own thread in this forum

look for the step by step instructions

and the FAQ's

they should explain everything .

there are threads in the general forum about beyond 6yrs

but i would be inclined to do that after your upto 6yrs claim.

dx100uk