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CO-OP OD all charges - and Loan to pay off OD...

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I have today received two letters from Moorcroft, one of which is about my CO-OP loan and one which is for an amount of bank charges the CO-OP have already refunded into our now closed current account,

 

http://www.consumeractiongroup.co.uk/forum/cooperative-bank/75783-phil-alison-coop-2-a-7.html

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/235045-us-fredricsons-coop.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/71441-loans.html

 

 

The loan was being investigated by the FOS,

when that investigation ended I restarted paying my loan each month as required,

sometimes paying two payments a month.

 

The CO-OP have now passed this on again to a DCA who say I've not been paying.

 

I've been paying over £200 a month by building society cheque now for months.

 

Two of the cheques have been paid into our joint savings account but there is no sign of the other payments.

 

The money has gone out of our building society account.

 

Any ideas what I should do?

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Send a SAR to the original creditor, you should receive copies of statements amongst other things.


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Whats outstanding on the loan,and how much have they refunded to the closed account ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Cheers.

Gonna send this or one similar,

 

Dear Sir,

 

I am in receipt of your letters dated 07/07/2010 and feel I must draw your attention to the following

 

Alleged debt No1 for the sum of £****is a non existent debt as the enclosed copy of our final current account statement will prove

 

Alleged debt No2 for the sum of £****is for my loan.

 

This loan account was in dispute and subject to an investigation by the FOS so repayments were suspended.

When the investigation was complete I began making payments again by building society cheque

which have ALL been cashed by the CO-OPERATIVE BANK so the figure you quote is incorrect.

 

 

They have incorrectly put two of these payments into our savings account, which doesn’t say much for them.

I enclose proof of this.

Perhaps you can ask them where my money has gone?

 

May I suggest you check these things out before you start threatening people with your nasty letters.

 

You might also like to know that I will be making a formal complaint about this to the relevant authorities

Please forward details of your own complaints procedure.

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i too have had a letter today from moorcroft threatening court action on a loan that is being investigated by the fos for 9 missold ppi policies lol

 

Ill write back inviting them to go ahead as this complaint has been ongoing now for 2 yrs and i aint paying them a penny more as they owe me more than i owe them

 

Bring it on i say


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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The CO-OP say they terminated my loan account while the FOS investigation was ongoing. What should I do now?

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they have done the same to me the fos will do nothing about it as they are toothless and will say the coop have a right to do this the fos do not apply the law in these cases have a read of the uttcr 1999 it is very clear that they cannot take these actions on a disputed account


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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moorcroftrecurrentaccountaug2010.jpg

 

If thats the case this is in dispute 'cos they owe us £1000's in bank charges from our 2nd claim.

 

frommoorcroftreloanaug2010.jpg

 

I told them this loan account WAS in dispute and WAS being investigated by the FOS, this has now concluded and I started repayments. The Coop has had this money but don't seem to be able to account for it. They say they terminated the loan while the investigation was ongoing!

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To Moorcroft re current account.

 

ACCOUNT IN DISPUTE

Dear Sir/Madam,

 

Thank you for your letter of 03/08/2010 the contents of which are noted.

 

As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I would therefore be obliged if you would provide me with an explanation as to why you are attempting to collect on an alleged debt which was disputed with THE CO-OPERATIVE BANK Plc prior to your first contact with me, and has yet to be resolved.

As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

Since this is considered an unfair practice and contrary to the OFT guidelines, you should consider this letter as a formal complaint, and provide me with a copy of your complaint resolution procedure.

I also require you to confirm that you will now comply with the OFT guidelines, and will not attempt any further collection activity whilst the dispute is unresolved.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the CPUTR 2008, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

Should you fail to provide me with the required undertaking within 7 days, I shall report your breach of the OFT guidelines to Trading Standards and the Financial Ombudsman Service.

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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I have today received the following,

1/ Concerning o/d made up of charges.

frmmcroftrecurrentaccod16aug2010part1.jpg

 

frmmcroftrecurrentaccod16aug2010part2.jpg

 

2/ Concerning loan.

frommcroftreloan16aug2010.jpg

 

Even after the useless FOS found in the Coop's favour concerning the loan, I still think it should be recalculated to allow for the charges part of the O/D this loan was taken out for. I have claimed back charges and interest but I'm still paying another lot of interest on the loan. Clear as mud I know but if I've been charged two lots of interest on the O/D surely I can claim both back?

 

Sending the following,

 

Moorcroft Debt Recovery Ltd

2 Spring Gardens

Stockport

SK1 4AJ

Dear Sir,

I repeat I consider both these accounts to be in dispute. The Co-operative bank know this and are not being truthful with you.

Find enclosed a copy of an up to date spreadsheet showing the amount I believe the Co-op owe myself and my wife.

The consolidation loan taken out was to pay off an overdraft which included unlawful charges and interest on those charges and I believe that this needs to be recalculated to allow for this.

When the bank pays me the amount owed I shall settle all debts owing to them.

I say they owe us £8k plus, they say I owe them £7k.

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Frommoorcroft11thjan2011.jpg

 

What should I do now?

 

What should I do now?

bump

 

Moorcroft returned this to the Co-op.

 

I have now received letters from Lewis Debt Recovery.

 

What should I do?

 

Just as before or take it further?

 

They have also sent letters addressed to me but sent them to my daughters university lodgings in another city !

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Something puzzling me here, the bank (Co-op ) letter says the accounts were refered to Fredrickson International, but a few lines down they say to contact Moorcroft?

 

The two have no association

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Freds returned the accounts to Coop, who then passed them to Moorcroft, who passed them back to Coop, who passed them to Lewis ! lol

 

P.S Coop now owe us £10500 in bank charges and interest. Should I ask Lewis to collect that for us then deduct what we owe the Coop and send us the difference?:-)

 

This has just arrived,

 

fromlowellscoopcrrntaccmay2013001_zps3b1fdf1a.jpg

 

Should I ignore ?

 

bump

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Is there a letter I can send to the coop that is similar to the "acc in dispute " letter but not the one for DCA's?

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Lowells have this now. I've told them the accounts are still in dispute because of bank charges but they are ignoring me.

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Is this the CO Op debt?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Did you get the SAR done as Cerberus suggested way back?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes and yes. It's the COOP joint current account O/D debt which is completely made up of charges and interest on those charges.

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Yes and yes. It's the COOP joint current account O/D debt which is completely made up of charges and interest on those charges.

Anything of interest in the SAR data?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Dont know what you mean sorry.

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Dont know what you mean sorry.

 

 

What data did you receive?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Just loads of statements I think, was a long time ago ! :oops:

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Another letter arrived today. Who do I complain to ? Is there a letter to send off? Thanks

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Another letter arrived today. Who do I complain to ? Is there a letter to send off? Thanks

 

Saying what?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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