Co op bank no cca but lots of calls!

[stressed mum!]

Could any one give me advice please, my credit card account with them is in dispute no cca agreement and have sent the next letter to say this account was in dispute and to not pass on ect, was recieved and signed for on the 12th feb they have phoned me 4 times today twice there was no one on the end of the phone these calls don't really bother me but I would like to know what the best thing to say to them is any advice would be appreciated, I am sure they will pass it to a DCA soon they said this in a letter dated 3 weeks ago

Thanks in advance

[ltc1607]

Hi I have the same situation with the co-op no cca have sent them a default letter and told them I will only communicate in writting but they ignore it send them a telephone harrassment letter and just ignore them.

[stressed mum!]

Thanks ITC1607 they dont really bother me but I do get tongue tied I think alot of it with them is they have no cca agreements and are trying to bulLY people just glad I found this forum. I have been writing down everytime they phone do you have a template letter for the harrasment I am going to get a small recorder but have'nt been able to get one yet

[ltc1607]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html that will give you the letter not that they will stop calling but I did get a letter back from thier complaints dept saying they are looking into it.I have just sent copies of all me letters to them again to arrive tomorrow as we are at the same stage I will keep you updated

[stressed mum!]

Thanks let me know how you get on I have afew people phoning us daily but I know I never signed an agreement with them as the card automatically came when we took out a mortgage with them, they have been phoning and bullying me since before christmas. I have no intention of wriggling out of my debts we have loans too and do want to offer our creditors payments but my mortgage and kids come first and the co-op have really wound me up!! I will let you know how I get on good luck.

[ltc1607]

Do yourself a favour never talk to them on the phone dont answer the security questions just tell them everything in writting.Better still say you out and block all thier calls on your mobile.

[stressed mum!]

I don't most of the time I ignore the house phone and never answer my mobile if I don't know who it is it was just if I did answer the phone and it was them did'nt want to trip myself up stop talking to them just before christmas I don't know how these people sleep at night!!!

[pompeyfaith]

Ive been having immense problems with these bunch of ------.

 

ive been trying to claim back just under £29,000 in mis-sold PPI on 9 loans ive had over 15 yrs.

 

Because my current account is linked to those loans i.e same account number bar last two digets

 

And the fact i went over overdraft limit by £10 originally although now its higher due to charges.

 

They constantly harassed me and the wife as if to try and stop my claim.

 

It did not work and the calls did not stop until i past the matter to the FOS to deal with.

 

I was not going to pay them a penny more until i got my money back.

 

They will as you have no doubt found out ignore all your letters but so long as you keep records of all letters sent and received you wil be ok do NOT ANSWER THE PHONE it will get you no where except stress and high blood pressure.

 

Just keep answering there letters with letters quoting what they have mis-understood and eventually the calls will stop.

 

Regards

 

Pompeyfaith

[stressed mum!]

How much???!!!!!! I don't answer the phone just write down everytime they call. But sometimes you answer the phone thinking it's going to be someone else thats when I get stuck, Good luck with your case let us know how you get on x

[pompeyfaith]

Sure will ill be blowing CAGS chimney down

 

Can you believe though even when i sent a letter to the Co-op informing them that the FOS are now dealing with this claim and that any correspondence should be copied to them quoting the FOS case number they did not believe me and it took a letter from the FOS to the co-op for them to take note.

 

You try your best to make things easy and it dont work they choose the hard way.

 

Regards

 

Pompeyfaith

[Longwaydown]

I've been having fun and games with Co-Op over a credit card I took out in 1999. I CCA'd them on 5th January and put the account into dispute on 26th Jan and all I have received is demands and the couple of calls I have taken, have been fairly stroppy on the bank's part.

 

I do have a thread running with my story - so if anyone with experience could have a look and comment, I'd be very grateful.

[stressed mum!]

Can you please tell me I have just been reading another thread on here and at the top it say's I DO NOT ACKNOWLEDGE THIS DEBT the cca request and dispute letter did not have this on do they now mean nothing?? bit worried as I thought I was getting somewhere.

[ltc1607]

Hi stressed Mum how you doing with the co-op

[stressed mum!]

Hi Itc1607 well they sent me an application form that I must have filled in from 2003 when I took out my mortgage with NR and my last statement and some T&C's that they have printed off from there archives on A4 I have sent them this is not correct docs ect letter waiting back to hear from them they kept phoning so sent them the harrasment letter too I see what turn's up and let you know.

Thanks for asking

[ltc1607]

HI they sent me the same thing I have disputed it have sent mine off to a company that is checking it for me will let you know we are at the same stage with them.Just wish they stop phoning getting on my ****

[stressed mum!]

They phone me about twice a day but I have a fax so it just goes to that and if I do pick up there's normally a ringing on the other end so I know it's them they will have recieved my harrasment letter now so we'll see if they ignore it!!?? How many time's are they ringing you?

[diddydicky]

these are auto diallers

 

i have just started on sorting out cards and in anticipation jst bought the true call with the recorder

 

wow -- this is the dogs bollocks....

 

just looking at today's log there are 4 calls from one creditor even though they have yet to respond to default letter- my phone is as silent as a lamb

 

its 100 quid or so and i know some cant afford it but if you can - boys it really is the business

 

took me around 15 mins to type all my contact numbers into the star list so it lets permitted numbers through but does not even ring when naughty people call and just tells them politely to bog off

[stressed mum!]

Sounds good diddydicky wish I had £100 spare just had another letter from them stating that what they sent me is the right documents and that is what they'll be using got another letter to send in the morning should have share's in RM!!!!

[diddydicky]

the cheaper alternative if the phone calls get too much is to change your number and go XD- just need to let all your family/friends know the number change

[diddydicky]

dont think it matters that the cca request was not endorsed- you are just asking for a copy of an agreement- plenty of time to do that after you have received it and see what it says

[Gump]

Joining this thread as also have co-op visa originally from NR Together from 2001 and don't think the CCA, if any, can stand.

 

Also wondering if the CCA doesn't stand does that mean they owe us back all the money we've paid onto the card? A few months ago they reduced my limit from £10k to £500 without warning after I cleared most of it off, just before my wife had our first baby, whatever I said to them they wouldn't listen, been waiting for vengeance ever since.

[stressed mum!]

hello Gump and welcome firsly have you sent off a cca request? If so can you can you scan it minus any personal details and put it up on here so experenced caggers can have a look.

 

Going back to your question if the cca is unenforcable which from 2001 is unlikley it does not mean that they "owe "you money, at the end of the day you've spent it and the debt is still there. What it does mean is that you are in a better position to offer a full and final settlement (if you have it) or if it ever went to court it would be for the judge to decide.

Are you able to afford your card?

Are you making token payments?

I hope this helps I am still learning but have learnt a great deal from this site, read some threads and ask questions the advise and the people are great I know longer worry if the phone rings or when I get mail through the door I have a few creditors and so does my husband but with the way things are at the moment overtime ect has dried up and we have 3 little ones so it was more expensive for me to work as childcare cost a fortune and only one of them is in school so our standard of living has dropped as we had quite a good one and now cannot pay our creditors ( they are at the bottom of my list so to speak!)

Just make sure you pay all your prioty bills mortgage, council tax, gas,electric ect, if you have'nt sent of a cca request send one and continue making token payment's of what you can afford not what they tell you Co-op dont listen I know from experience but they can't have what you hav'nt got! I hav'nt given them anything now since january as my aggreement was enforcable just an application form and just to and fro with letter's to them keep us informed and congratulations on your baby x

[Gump]

thanks Stressedmum, I didn't think they'd give us the money back but at the same time was wondering how baconbuttyman and others had done that very thing (see http://www.consumeractiongroup.co.uk/forum/other-institutions/10900-loan-company-cannot-supply.html).

 

You think 2001 is too recent? I was thinking that as both our cards were once NR and then sold to the Co-Op, then there is a good chance that the CCAs of all cards in this scenario could have been lost in the transfer, unless someone already knows? Secondly there is another good chance the CCA contains improper terms as the credit card was sold as part of NR Together.

 

I'm not having major difficulties keeping up payments on the card as its only a £500 credit limit and not £10k credit like it was. I haven't asked for the CCA yet, it just occurred to me yesterday that their is a strong liklihood that its unenforcable and I'm generally kicking myself I didn't think of it when the limit was £10k !! That £10k went onto an expensive A&L loan. I think now I will persue it even if it just annoys them. Likewise our income is dropping off rapidly and want to just pay the priority stuff, everything is complicated by having to move out of 2 bed we own as not enough space with working from home, baby and pets and rent a 3 bed whilst letting out the 2 bed. We're in a bad situation in that can't claim housing benefits or mortgage protection as will be excluded from both, I tend to tell creditors nothing now regarding my personal situation, all this lot have is my mobile number.

[stressed mum!]

Hello Gump what I ment was that it probably is unenforcable as it's from quiet a while back, send of a cca request and see what come's back it's one less to worry over!!!

it took them 3 month's to send me anything and when they did it was an application form I must have filled in when taking out the mortgage no apr or credit limit in fact it was hardly readable!! They also sent the last statement and 13 pages of printed out T&C from archives and stapled them together!!

I would also send off a cca request for A&L I assume your still paying them? My husband has a loan with them that he would have finished by next Feb but as thing's stand with his work have had to stop paying they sent a dodgy default giving no time for service so he would hopefully only have to pay the arrear's if it went to court which is £800!!!

 

 

 

We can't claim anything either as we're married and above the £15'000 that they state you need to be under to qualify for council tax benefit's ect so I know excatley where your coming from.

[Gump]

Hi stressed mum.

 

My A&L loan started after April 2007 so don't think I'll have much luck there.

 

Haven't Co-Op committed a criminal offense by not sending the (bogus) CCA in time? Isn't there a process you can follow to get rid of them just on that basis?