Hi everyone. This is my first post but not the beginning of my troubles with the Coop bank:
I recently reclaimed unfair bank charges from my (former) bank on two occasions. I am now in the process of making another claim for a smaller amount: £160. This has occurred as some charges went through for two of my accounts being overdrawn whilst the other claims were being investigated. The bank did send me a letter advising that their charges for unauthorised overdrafts were being reduced to £11 but they have since ignored this & charged me over £50 for each time I was recently overdrawn!
This week I have received a letter from them advising that they are closing my accounts in 30 days time as I have apparently 'breached' the terms & conditions of my accounts! I was not aware being overdrawn was a breach of these conditions (certain it is not). So the reasons they give for closing the accounts appear to be nonsence.
I now do all my banking with the Halifax & the Coop accounts are only open as I am overdrawn by £25 & £45 respectively on them. So closing them is no inconvenience to me. The problem I have is that I claimed £160 from the Coop & even if they write off the approx £70 overdrawn in my accounts (brought about by unfair charges incidentally) I still want the rest back.
I am pursuing this through the moneyclaim site & a claim form has been sent to the bank.
Has anyone else got to this stage? Particularly when their claim is outstanding & their account(s) are in the process of being closed?
I also believe that their reason for closing my accounts is unlawful. Anyone able to verify this?
Many thanks.
