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Found 19 results

  1. Hi, I have a friend (no really) who has debt problems which are being added to I believe by the charges levied on her account. She had a basic account with no overdraft facility although she did keep going overdrawn and hence accrued charges, these have snowballed as happens and resulted in the account being closed. The thing is she is on benefits which the bank are obviously aware of and as soon as the benefits are credited they have been swallowed by charges adding to the debt problems she has. I have tried finding posts on here but dont seem to be finding what I
  2. Date of claim: 27 May 2015 What is the claim for – Claimants claim is for sum of 51xx being monies due from the defendant to the claimant under an agreement regulated by the Consumer Credit Act 1974 between the defendant and Coop under account ref xxxx/xxxxxx and assigned to the claimant on 08/01/2013 notice of which has been given to the defendant. The defendant failed to make contractual repayment under the terms of the agreement and a default notice has been issued which has not been complied with. What is the value of the claim? £6k + Is th
  3. Can someone help please? I'm trying to reclaim unfair credit card charges from 1/8/2004 - 1/2/2006. No joy writing direct complained to FSA and no joy again. FSA say (i) it's outside the 6 year rule and (ii) that I should have complained when I got the statements. I said that (i) I was relying on s.32 of the Limitation Act because I didn't know about it and (ii) they were unfair. FSA guy didn't know what this was and maintained what he previously said. Now thinking about court action. I found the FSA a bit lacking in know
  4. I have two CoOp credit card debts, of £2,700 and £9,000 respectively. Although I'm not convinced that they hold enforceable CCAs or were defaulted correctly I did agree with them in 2010 to pay £1/month into each account in return for an interest freeze. In 2013 the CoOp told me the debts had been assigned to Cabot but that payments should continue to be made to Fredrickson, who manage them). I've maintained these monthly payments by SO throughout. At the beginning of the month I received a letter relating to each account from Debt Managers (Services) Ltd claiming that the
  5. Hi, I've decided to switch from my current (Atlantic) gas+electric supplier to COOP using moneysavingexpert. I have received letter month later from COOP to provide meter readings. I did that and noticed I was charged direct debit from them but also was charged by Atlantic. I have called Atlantic to ask why they charging me as COOP is my new provider. They said that they don't know nothing about any switch and that they are current supplier and advised to call COOP. I have called COOP and after long conversation I was told that this is correct. That there was some mist
  6. THE CO-OPERATIVE BANK PLC ran an "Identification: Generic Check" on Experian. Do they do this for all transferred Britannia accounts or should I be concerned? I have not applied for any products from them. The only Co-op product I have is an old Britannia Building Society savings account with a very small balance that was transferred to them during the merger and I haven't even updated the passbook for a couple of years as it's only a few pence interest.
  7. Hello Coop Energy sent us a statement for electricty in April 2013 for £213 and did not send us another statement until August 2014 for £1,490. They didnt contact us and I dont always check the online account until a few months ago. After speaking with them on the phone they admitted: they dont supply Economy 10 meters and have been charging what we thought was the cheap night rate at the expensive Economy 7 rate since July 2012 - they also didnt advise us of this, apart from the terms and conditions and they never changed the fixed April 2014 tarrif. Do we have any redress?
  8. Hi, Ive got a case similar to the thread relating to' Civil Enforcement LTD now have court docs'. I'm was wondering if anyone would be able to help me through the process. I'm trying to get through pranksters guide etc. I'm wondering how I go about getting the info about who is the landowner etc?? Thanks
  9. Had an email today from the Coop (I am a member) telling me "Today is the day we launch our new collaborative website ‘Let’s Talk’. So please give us your ideas and together we can deliver the products and services you need, champion the things you care about and support you and your local community" Perhaps their 'relationship' with Civil Enforcement Limited (CEL) might be something you want to 'talk' to them about? type: "co-opletstalk.co.uk/championing-a-better-way/"
  10. Coop bank holding funds on my account, not releasing my money done almost everything, provided them documents etc. Bank replies back saying documents not exceptable. So angry at the bank its like day light robbery, have also contacted the fos (financial ombudsman service) anyone here can help? Advice me what can i do extra for my money to be released. Thanks
  11. Hello I had credit card debt with Coop. In 2008 I wrote to Coop and advised copy agreement they supplied was unreadable and requested ppi information. I never received reply or any other correspondence. That is until now - as the debt sold to Lowells - and they now require payment. I thought under the Consumer Credit Act that an annual statement should be sent showing the outstanding balance. So is this a breach? - or just a tecnicality. Any advices guys how I should proceed? I still need to get response from Coop about the ppi.
  12. Hi Guys, Mid May I sent a reclaim charges letter and spreadsheet to Coop Bank claiming CC charges to the amount of £2605 levied on the account over 13 years. Today I received a reply and cheque from Coop for £794 as their final response. They claim that to go back more that six years is against the Limitations Act 1980 and any charges incurred prior to May 2007 are outside of the six year rule and therefore statute barred. Is this the case or are the Coop telling me a load of bxxxxxks and should I just accept their cheque and shut up or persue the other £1800 pounds.
  13. Hi, We took a coop loan out around 2006.. . In full time employment with 6 months full pay sickness benefit available.. ..took a loan out and was told ppi was a condition of the loan. Forgot all about it... . Until we received a letter and a questionnaire from coop bank today, explaining we may have been miss advised and there were some weaknesses in the selling of ppi at this time. They have enclosed a questionnaire to complete And return which asks about employment etc. Should we try to get a refund using this questionnaire and in response to this letter
  14. UPHELD My claim for compensation agaimnst the COOP Bank. When I was sacked from my job back in January 2006, I claimed for the insurance money that is supposed to cover my monthly repayments against the policy of my PPI. But it was rejected due to a pre -existing medical condition. I suffer from Parkinson's Disease. I blame the PPI provider for supplying me with a faulty PPI. Because I lost the insurance money that would have covered my monthly repayments on my personal loan, I am therefore claiming compensation against the Coop Bank. The Coop Bank uphold my com
  15. Hi, I today received several letters relating to Coop accounts I held in the early 2000s from Equidebt. These accounts defaulted in 2005 and fell off my credit file last year. Equidebt have given me 21 days to respond making an offer of a full lump sum "no matter how small I believe the offer to be" or to pay monthly by DD. If not they will "explore" an application to "try to obtain" a CCJ or doorstep recovery. Should I tell them where to stick it and send a statute barred letter? I have had no correspondence with Coop or anybody else about these accounts since 2005. Has any
  16. Hi guys i was the victim of identity theft last year and as a result of this my credit file is horrific there are hundreds of linked addresses. Accounts i know nothing about and loads of searches and my credit score is something like 54 extrememly low. Natwest closed my account last year with no reason whatsoever and since then i have no account anywhere, I applied for the cashminder a couple of weeks ago and recieved a letter today teling me it had been declined. I was told this account was not credit checked so thought hey maybe they can help. I sent additional details relating to the identi
  17. Anyone any experience of challenging an increase in interest rates on their Coop credit card? I received a letter notifying me of a 1% increase effective 60 days from the letter as a result of a review of my account. This is the first time in the 30+ years I have held the card I have received such notification and I have never received notification that the interest rate was to be reduced as the result of such a review! I suspect that the review process is a one-way street and would like to challenge it, probably directly through the County Court as an unfair practice under COBS. I w
  18. lutin

    tsb and coop

    I wondered if anyone would be able to clarify. I have a TSB account and CC debt.Will the Coop be able to take money from my Coop account to cover debts with TSB? Thanks Lutin:?:
  19. Hi, I need a solicitor or other help and guidance. In 2004 coop breached my data protection, failed to transfer direct debits to a new account that replaced the one they breached and then caused defaults and never helped sort out the mess they created. in 2006 they breached the data protection on the new account and again in 2008. They caused me huge problems by failing to pay my direct debits which resulted in me having to seek the help of the CCCS to buy time until the mess was sorted out I did not know I would have to wait 5 years until they owned up. In december 2010 th
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