nellio v Co-op Bank - **WON**

[carlyt123]

Hi,

The very best of luck to you, I got my money back from Co-op. Your money claim looks fine to me and as mentioned before if you have worked it out using the spreadhseet it should be cool.

The court fee of £80 is correct if you are claiming £905, so go for it an get it filed!!!

Good luck

Carly

[carlyt123]

Hi,

Just to let you know I had a claim of just £700 and the fee was £80, so it is correct.

hth

[pj41]

Hi Nellio,

 

the daily rate of interest is calculated @0.00022

 

eg a total claim of £1000 x 0.00022 = 22p per day

 

Hope the above helps

 

Cheers

 

Paul

[nellio]

Tyhanks for that advice, luckily i managed to put thr correect wording at the last minute. Thank you and good luck if yoy have a claim ongoing.

[blueskies]

Can I ask you to keep everything relevant to your claim in one thread. It makes it a lot easier for us to help you

[nellio]

Sorry, i'm not that clued up with computers. Consider me told off!

[Michael Browne]

IThe claimant claims interest under

section 69 of the County Courts Act 1984 at

the rate of 8% a year from 31/12/2003 to

14/07/2006 of £905 and also interest at the

same rate up to the date of judgement or

earlier payment at a daily rate of £83.87.

 

Does the above seem ok? I'm a bit confused regarding the last bit regarding the daily rate.

any suggestions most welcome. Good luck to each and everyone of us.

 

The daily rate cannot be £83.87, the maximum daily rate on a claim of £5000 is £1.09 and are you claiming £905 or is this the 8% interest on your claim?

[nellio]

yes i am aware of it now. luckily i changed it before submission so fingers crossed.

[nellio]

I submitted my claim last Friday and received a reply from Northhampton CC on Tuesday 18th July saying that notice had been served on Monday 17th July. Today (thursday 20th) i received a letter from the the Co-op bank. I was very excited to see what they had to say......

 

Dear Mr C, our investigation is still incomplete, please bear with us for us to deleiver the best outcome, blah, blah blah....

 

This is the fifth letter in 6 weeks so surley the time has come to defend or give in.

Buggers!

[nellio]

Today (Friday 21st July) i received a package from the Co-op bank! Was it my money? I hear you ask. Was it? Was it?

Was it b*****K$. It was a bar of chocolate. Honestly!

For being a privilage account holder i received a bar of chocolate.

they wont give me a cheque book for an account i pay £7.50 per month for but i am allowed chocolate.

It is maybe in the hope i choke on it, aha! but I'll sue them also for unsolicited chocolate bars.

You couldn't make it up.

[lickthewallfatboy]

that is totally bizarre,if not insulting!!

 

I wonder will they accept credit card payments in creme eggs?

[nellio]

The same chocalte can be bought for 77p at my local Co-op as it is Freetrade. Add at least 30p for the fancy packaging and 30p postage and it all adds up to a complete waste of money.

I just want my money back not chocolate.

[carlyt123]

Absolutely unbelievable!!!

If they have got the money to waste on chocolate then they shouldn't have any problem paying us all back, should they?!!

Absurd and insulting, bu nothing surprises me about banks anymore!!!

 

Carly:eek:

[nellio]

After reading what the chocolate is for i found out it is to share a celebration of the privelage accounts 5th birthday. Whoopeedoo!

give me my £905 back and i'll throw a party myself.

[carlyt123]

give me my £905 back and i'll throw a party myself.

 

Classic!!!!

[nellio]

I'm starting to sweat a little now, it appears the Co-op bank have been settling at the LBA stage and yet I had my Moneyclaim case issued on 17/07/2006 and all they send me is the usual crap, "please bear with us etc". Oh, and a bar of chocolate. I'm now worried that I will be 'the one' or that they know something blocking such claims are in the pipeline.

Please send me some good news.

[Michael Browne]

They've yet to acknowledge and then submit a defence, so there's ample time for them to settle before you get anywhere near a courtroom.

Keep your strength up, eat plenty of chocolate!!

[nellio]

Cheers, I would eat chocolate but is dark and rich. I was going to send it back but my girlfriend ate it! How mad would it be if I received a letter the day after 'chocogate' to say i accepted the chocolate as full and final settlement?

[nellio]

I am going through the moneyclaim part now and i'm considering sending this letter to the bank. Please soomeone stop me if it will jepordise the claim or green light me if it'll do no harm. Cheers

 

 

 

xxxxxxxxx

15 xxxxx

Bxxxxxr

Rxxxxn

Tyne & Wear

xxxxxxxx

 

0792xxxxxxxx

 

26/07/2006

WITHOUT PREJUDICE

 

Account no: xxxxxxxxxxx

 

Dear Mr Wyman,

I am writing to comment on frankly how shocked I am at the speed my complaint/claim is being dealt with.

I continue to receive letters from you asking me to be patient whilst ‘investigations are ongoing’. Considering that the charges are laid out in front of you I can’t understand why it is taking so long.

 

It is clear that the bank is wasting my time and as a result of which I opened a court claim on 14/07/2006 which was issued 17/07/2006.

 

Also, I received a standard letter from Val McCarren on the 25/07/2006 asking me to clear my overdraft and send back my debit card and destroy my chequebook. If you could be so kind to inform her I returned the card to your department 3 weeks ago and have never had/used a chequebook.

 

I propose that you credit my privilege account with the amount I am claiming which will more than adequately cover the cost of the overdraft. To remind you I am claiming the following amounts: £905, charges, £83.87 interest at the daily rate of 0.22% and £80 court costs. Total amount of claim: £1068.87.

 

1 of 2

 

 

 

 

 

 

 

 

I sincerely hope this matter will be resolved soon thus resulting in less costs for both myself and the bank. Once the money is credited to me I will contact the court to close the claim and there will be no further action.

I await your reply.

 

Yours sincerely

 

 

xxxxx xxxxxx

[pootle]

I don't know about the letter, but I never got a chocolate bar, and I'm a Priviledge customer. Harumph!

 

Actually, having thought about it, is the above letter going to make much difference. IT not as if you threaten anything, is it, it's just telling them how cross you are, innit?

 

Sorry! That's not v helfpul, eh?

[c_allen]

don't waste your time writing to them, it's time for you to sit back and wait for THEIR offer to come to YOU!

[nellio]

In hindsight I've decided not to go ahead as i can't be arsed with them. You are right, why should i stress over what is now their problem.

Cheers

[nellio]

Here's one for someone to answer and me to get parenoid about. IMy Moneyclaim case was issued to the bank almost 3 weeks ago and I haven't had any acknowledgment etc which is suprising considering other Co-op cases being settled before court action.

I owe £153 on an overdraft pay pay £7.50 per month to subscribe to, although I receive none of the privilages of the 'privilage account' (cheque book and discounted weekends in s****y hotels. Now they owe me £1068 which far outweighs what they want form me. I have told them they can re-credit my account minus the £153. Now this is where it gets interesting.... The arrears dept is calling my Mum's house every night and my Mum tells them I dion't live there anymore. I changed my address with them over a year ago and receive my statements at new address yet they still insist on calling my Mum's house. My Mum has also gave them my mobile but they refuse to call me direct and keep hassling her. She is a sick lady and doesn't need this crap as she is green as grass and thinks 'the tick men' will come and take goods from her house no matter what I try to tell her. By the time I get in from work their dept is closed and I'm too busy to call them on my lunch as lunch is a privilage where I work.

 

So.... are they charging me for each call they make trying to bring the balance of the claim back into their favour? Let's say that they charges £25 for a true manual intervention by trying to recover this debt. Am I thinking too far out the box or could this be possible?

 

Grateful for any advice on this one. Good luck to each and everyone of us!

[Michael Browne]

If the Co-op haven't acknowledged by day 14, you can apply for judgement by default. Check the state of play on moneyclaim

 

As far as phone calls are concerned send them this letter, amended to the situation re: your Mum.

 

 

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing to express my serious concerns regarding both the quantity and frequency of telephone calls that I have received from your company.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I am now formally requesting that all further correspondence be made in writing only.

I demand that these phone calls stop immediately. I am now familiar with the terms of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1970 and I believe your harassment places you in breach of these acts.

If you continue to call, you will also be in breach of the Wireless Telegraphy Act (1949) and, as such, I will report you to both Trading Standards and The Office of Fair Trading.

You will be deemed to have been served notice of my request no later than 2 working days after postage and I am advising you that any calls received after this date will be recorded with the intention of them being used as evidence. (Even if you don‘t yet have recording equipment!!)

 

Yours faithfully,

[nellio]

Thank for that Michael. Hope it, in fact I know it'll work.