Hi, wondering if anyone out there can point me in the right direction, I am getting a bit confused with all this talk of contractural interest, CCA etc etc, Just received my list of charges from the Co-op for 2 accounts, (1 closed, 1 current),the £10.00 cheque was returned as this info is free of charge. List looks ok to me but should I ask them for the statement as well? If so, do I resend a cheque? I have calculated the commission, debit interest and fees they have charged and have taken off the subscription charges then added interest at 8%.. is this correct? The total amount owed for the 2 accounts without the interest is in the region of £4700, with interest it takes it to £5700,what do i do now? when I send an LPA, which figure do I use? ans if it gets as far as the small claims should I split it into 2 claims so they are under £5000 I know these questions have probably been asked a thousand times but I am so confused! Help me pleeeeeassee. Thanks

Sent my S.A.R - (Subject Access Request) letter on the 6th Feb to the Co-op bank, had no reply yet...getting a bit impatient now, how long do they normally take to reply anyone? I know, it's only 2 weeks but cant wait to get this thing underway and get back what is mine.

Hi, I'm new to these forum thingies, so please bear with me. Joined this site to get some info in reclaiming bank charges from Co-op Bank for the past 6 years. They charged the earth even though I was a member of staff at the time! so it would feel brilliant to get my money back. I would be grateful if any help. Thanks Neesi