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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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About to start Against Co operative bank


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Hi There,

 

Im about to start the process against the Co Op bank as I have now totalled up the charges some £1270.00 is owed to me in the last three years.

 

I understand that I send letter 1 1st giving them 14 days to reply and then LBA is this right?

 

and also I have some statements missing the bank has said they will charge me £5 for each one and I need 17 of them is this right.

 

please help im a newby at this and need some advice have read all threads over several hours.

 

many thanks

clive

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Hi Splash.

 

I guess that, because you have most of your statements, you have not sent a Suject Access Request letter to the Co-op. If you now send this--

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

 

suitably modified to ask for the missing pages, then the bank must comply. This will only cost you £10.

 

You will have to be patient but if there are more charges on the missing statements, it will be worth the wait!!

 

Elsinore

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Suggest that you also have a good read of the FAQs and Step-By-Step guides in the library section. Start your own thread in the appropriate forum, then if you have any questions, just post them in your own thread.

The answers will not be far away.

 

Good luck with your claim.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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hi there,

 

I have saw several addresses to write to at the cooperative bank and several different people.

 

could somebody please tell me the right ones for

 

data protection letter

 

reclaim charges 1st letter

 

Letter before action

 

your help will be much appreciated

many thanks

clive:?

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Hi Splash.

 

I guess that, because you have most of your statements, you have not sent a Suject Access Request letter to the Co-op. If you now send this--

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

 

suitably modified to ask for the missing pages, then the bank must comply. This will only cost you £10.

 

You will have to be patient but if there are more charges on the missing statements, it will be worth the wait!!

 

Elsinore

 

thanks for the link its much appreciated and I know theres lots more charges

take care clive

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Suggest that you also have a good read of the FAQs and Step-By-Step guides in the library section. Start your own thread in the appropriate forum, then if you have any questions, just post them in your own thread.

The answers will not be far away.

 

Good luck with your claim.

 

thank you for the advice had a good look through will send the ten pounds tomorrow for the data protection stuff

take care

clive

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Thread moved to Co-op forum

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi Splash.......when you get to the letter writing stage the 'Head of Debt Management' at Co-Operative Bank is one Stephen Mound, at the 1 Balloon Street address in Manchester.

I have an on-going claim with them and they stall longer than most. I always write to Herr Mound, but he is so arrrogant (or cowardly) that responsibility for replies are always delgated to someone in his 'customer care' department. He seems very good at sending standard letters and l am beginning to wonder if he actually exists (like the famous 'Tom Champagne' of Readers' Digest prize draws!)

My MOL claim is going in this week so maybe that will get a response from him!

Will report results.

Wishing you a speedy conclusion to your claim.

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Good luck with your claim Clive. I've spent the morning reading up on what I need to do to get mine back from Smile so am just about to start =)

 

thanks for that dfillmore and also dont delay the money is yours get it back and wishing you the best with your claim

 

clive

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  • 6 months later...

Good luck everyone, just got my SAR bundle back from Co-op visa today, going to have to trawl through with the highlighter now.

 

Steve

Barclays -

- initial letter sent

- LBA sent 30/10/06

- settlement "good will" offer 10/11/06

- rejection letter sent 11/11/06

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