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robbie_ship

Co-op Loan Advice Required

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Not sure if this is the best place to ask being that it's the bank charges forum for Co-op but I figured there were more co-op experts reading this forum than any other.

 

I have a loan with co-op.

 

I also have trouble with my money at the moment.

 

According to co-op, I can't cancel the loan repayment that comes out of my current account each month.

 

I'm going to write to them saying I can only make token payments this month but I was wondering, has anyone else been in a similar situation? Are they allowed to automatically charge my current account (thus putting me over my overdraft) without any option for me to stop the payment?

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not sure about putting you over you o/d limit bit

but sadly yes they can take the money...called offset banking [sic]

 

open a parachute account and get your income paid to there.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for the advice. Have an extra bank account to use so I guess it's all a matter of negotiation now. Cheers.

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