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  1. I would welcome some advice on dealing with a Claimform I have received through the post, which was issued on 1 Feb 2017. I intend to defend the claim but need advice on what I need to send back in the first instance and going forward how to prepare the defence. The debt is with Co-operative Energy for Gas/Electricity supply and goes back to 2015. We set up an account in Dec 2014/Jan 2015 and initially had no problems. We set up the direct debit for payments and assumed everything was ok. However, in September 2015 we received correspondence claiming the account was
  2. On 4th February I sent the Co-operative Bank a SAR. The first letter they sent was asking for more information. Following my reply they today sent another letter stating that they sold the debt to Fredrickson International so they are now the data holders and not the data controllers and do not have to send me the information that they hold on me. They also kept the £10.00 fee. Can anyone advise if this is correct please? Thank you.
  3. Thousands of Co-op customers who used their cards in the retailer's stores on Tuesday may have been charged twice, the chain has said. A Co-operative spokesman said a "processing error" had affected its food stores and petrol stations. Those affected will have their money returned directly to their accounts within the next 24 hours, he said. The Co-op has apologised and promised to reimburse people who have incurred charges as a result of the error. Not everyone shopping on Tuesday with Co-op will have been affected and customers who used their credit or debit cards have be
  4. Hello forum members, I am new to the forum, just want some advice and tips regarding fraud that took place on my cooperative bank account. Some how my cooperative bank account online banking details got compromised, don't know how and when it got compromised left me clueless, as I hardly use my cooperative account as its only for savings. On February 2014 some one managed to get access to my cooperative account online banking, and cleared my account out totaling off £20,000. I work 6 days a week busy with work life as I don't check my account on regular basis,
  5. Corporate loans acquired with Co-op Bank's disastrous takeover of Britannia Building Society in 2009 continue to deteriorate The Co-operative Group has plunged to a £559m first-half loss as bad debts in its banking arm wiped out profits from its supermarkets.The group said there would be no quick fixes as it embarked on a four-year turnaround plan, after reporting pre-tax losses of £709.4m in the Co-operative Bank in the six months to the end of June.The Prudential Regulation Authority (PRA), the City regulator, said the scale of the losses did not alter its demand that the Co-op plug the
  6. The Co-operative Bank's rescue recapitalisation needs the support of £1.05bn – or around 80pc – of the holders of £1.3bn of its junior debt or the lender could end up being nationalised. A £1bn capital injection into the bank by its parent, The Co-operative Group, is contingent on enough bondholders agreeing to the deal, the company said on Monday. If this support is not forthcoming then Co-op Bank will be back in a position of having a £1.5bn capital shortfall and this could mean the business would be nationalised. The Co-op Bank's new chief executive, Niall Booker, also plans to separa
  7. Dear All. I hope someone can advise and help , I've had a credit card with the Co-operative a Platinum credit card fixed for 5 years at 9.9% no problem there. Then at end of term reverted to 12.9% fine now a few months later its going up to 14.9% as I hope some of you will understand I questioned this and phoned them asking why the so recent increase. The chap said Mmm well its because its automated I said well why , he went of to speak to a manager he came back saying its to do with your spending pattern and possibly credit reference. I've been with them 20 years or so have ot
  8. I am trying to SAR Verso with whom i had a mortgage back in 2000 but they don't exist anymore and I have reasons to believe that the co-operative bank might be dealing with their claims, simply because in the leaflets that i still have from them(verso), in the bottom it says "Part of the britannia group of companies". And since Britannia now belongs to Co-operative banks ....bingo! ...But i might be wrong. Does anybody know?, is it too far back to obtain any documents ? My story is such... : In Aug 2000 I remortgaged my house with Verso via a broker called Morgan Nevi
  9. The Co-operative Group has reported a sharp fall in profits due to bad business loans and what it describes as a "competitive" food market. Underlying operating profit for the first half year was £174m, down 34% on the £264m the group made a year ago. Total sales rose slightly to £6.56bn. Like-for-like food sales, which strip out the impact of new and closed stores, fell 1.2%. The group said it was confident sales would improve in the second half. More: http://www.bbc.co.uk/news/business-19355912
  10. The Co-operative Bank are marching me to the top of the hill and down again like the Grand Old Duke of York! Prior to learning the error of my ways (from this site!) I wrote to them in April asking if I had been charged PPI on a credit card. I quoted the card's 16 digit credit card number in full. I received a reply from them at the end of May which contained the following comments: Having reviewed our records, and from the information provided by you, I have been unable to trace any credit cards in your name that included PPI. I have enclosed copies of statements as evidence of this
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