Hi dx I intend to send this to them- Is this ok? Many thanks for your help. Dear Sir or Madam, I refer to your letter dated ****, the content of which is noted. I deny any alleged debt to you or your client . The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. Should you proceed the claim to court I will used the enclosed as a counter claim plus wasted cost. Furthermore, the court will be made aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that enclosed charges are unfair in their entirety

Yes, it's thx. will use this one. Would you be able to knock a few lines down for me to send to them probably with references? Thanks

Thanks dx I lost the earlier spread - will check the SAR statement again must have missed some few.Would you be able to knock a few lines down for me to send to them probably with references. Thanks for your help greatly appreciated.

Hi dx Done as requested. Thanks

Thanks dx The letter from D Carter does say they have been instructed by Fredrickson on behalf of lowlife to issue court proceeding on the 7th of April and that if I have any reason to dispute the debt should let them know with back up with documentation.

Hi dx I received a letter from the lowlife solicitor now stating that they will be applying to court for CCJ on the 7th of April. Letter also stated that I should notify them reason for non payment and that should get a legal help. Pls advice what to do next. Thanks for your help

File attached Thank you

I've completed the spread, all fees charges inputted line by line come to £400 quid plus compound int £602, £1,002 total claim.

Thanks dx. You are a star. Will start populating the sheet. You're right the letter didn't say will but given so many nasty thread I read about thiese people they always trying to go for CCJ/Bankruptcy..... Just to be clear should I print out every calculated charge sheet individually and then have a separate summary total sheet for them. Thanks once again

Guys I now received another letter last week from their legaldept stating that they will go to court and at the same time my SAR request came with bundles of papers from Coop. Part of it are four pages of fees, interest and charges analysis for ten years(2000 -2010) when I had the acct with them. I did a quick calc on charges of rtn DD,CHQ and comes to about £400+( about £30 per transaction). What should I do next? Thanks for your great help

Thanks dx. Will do

Guys - Update on this I now received a letter from Red which I believe is part of lowlife saying that they've access my credit record and about to pass my debt to Hampton legal for court action however they're now offering either 30% discount on F&F or alternatively make a monthly payment of certain amount until bal is cleared. They gave 10 days to respond. I've already sent for SAR as previously discussed. What should do now? Should i make a lower counter offer without admission and if yes at what %, or should I just let them know that the account is in dispute given that I have requested for SAR to identify unfair charges. Pls advice

Thx dx. SAR to COOP on its way. Do I need to notify the lowlife that I have requested for the SAR?

I've read some nasty things they do on the forum.. Wouldn't they try the bankruptcy trick on me if I just ignore them. Sorry for being worried. Is there any legal request similar to CCA for overdraft? Can someone confirm COOP data address below( The Data Controller Cooperative Bank Delf House Skelmersdale WN8 6NY Thx for your help guys

Once i SAR coop will the lowlife stop chasing or i should i do something with them as well?

Thanks Bazooka Boo. Lowlife have actually bought the debt - Was sent assignment notice 3 months ago.

So what should i do next. Is there anything similar to CCA for OD or should I just make arrangement to pay lowlife whilst Im sorting out PENALTY charges claim

Thx - Will I be able to claim from COOP as lowlife now owned the debt?

Brig,dx100,42man any help on this? Or do someone need to help me move this to legal if needed. Thx

I am looking for some advice in relation to an overdraft on my current account with COOP. I lost my job in 2010 and was unable to meet any of my credit repayments and my overdraft was one of these. The CC and OD was brought by lowlife( Lovell) few months ago. I CCA on both accounts but lowlife (Lovell) returned CCA on OD claiming it not cover under CCA however after several weeks they came back to dropping the credit card debt as COOP cannot produce the OA given time factor as acct was opened 2000. Lowlife are now chasing for the OD abt £1000. They sent statement on the acct covering last 2 years. Acct was opened around 2004. They're now threatening as I have my own house. What are my options. Pls guys can I fight this as well?

Yes I have sent SAR to OC last week will now follow up with CCA. Many thanks

what should i do next? just wait for their next move?

Yes - They have.

Yes - You're right they drop it like a stone- i received a reply for my CCA request, enclosed with copies of NOA (which i never got) and that they have requested CA from OC and that in the interim they will withdraw the SD. And that they will contact once they hear back from the OC

Yes - You're right they drop it like a stone- i received a reply for my CCA request, enclosed with copies of NOA (which i never got) and that they have requested CA from OC and that in the interim they will withdraw the SD. And that they will contact once they hear back from the OC.