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During my last reclaim i also started a reclaim for the above after much confusion upon WHAT was a freeflow account the Co-Op didn't know! i provided all the relevent statements & agreement in the Claim Pack. 1st they said it was a credit card, but said that the account number did not match any series ever used, so rejected the claim. they then claimed it was an OverDraught & as O/D's don't have A CCa , the agreement i had was false! after complainng to the CEO DEpt things started to move.