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    • Hi Dave2019   That response to your councillor is short and direct so lets see how your councillor will act with Platform.   I think you have noticed that Platform are not telling the correct facts to news article/MP/Councillor which is absolutely typical of these Housing Association to always give there version of events to make them look as if they have done everything by the book to make them look good we haven't done anything wrong.   This is when you challenge them as you have done and throw there own Customer Community Engagement Strategy in there face and you keep doing this with what I have pointed out in post#67 (as a reference).   The more you do this the more Platform are not going to like it as it impacts their own Customer Care Policy, Complaints Policy and that specific Customer Engagement Strategy as these look more like just a paper exercise to make them look good but putting them into practice they are not just failing but are in fact Breaching those Policies.            
    • Ok! I think it's about there, I've added those final points. Thanks again for looking this over!   Px CLAIMANT
 ERUDIO STUDENT LOANS LIMITED – AND – DEFENDANT XXXX WITNESS STATEMENT OF XXXX I, xxxx of xxxx, being the Defendant in this case will state as follows;   1. The Witness – xxxx states in point 3 that:   “It is noted that the Defendant does not dispute entering into a credit agreement with the Claimant.”   This in not true. I have never entered nor admitted to entering into an agreement with the claimant.   2. The default notice mentioned in point 6 was issued on 26/04/2017 and served 4 years, 3 months and 27 days after the last written acknowledgment of the debt on 30/12/2012 by myself. Thus, the cause of action delayed by 4 years 3 months and 27 days and the Limitations period prolonged to 10 years, 11 months, 16 days. This, in effect, allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.   3. In point 5 xxxx states I was issued with A Notice of Assignment on 22/11/2013. In point 6 he states that a Default Notice was sent to me on 04/03/2014. In point 7 he states I was sent a Termination Notice on 26/04/2017. In point 8 the legal proceedings and transference to Drydens solicitors took place without my knowledge.   I received none of these notices or assignment. It has now come to light that they were all sent to an address I had not resided at since 2001. The Student Loan Company was aware of my current address at the time that the alleged documents were sent.   I have always kept the Student Loan Company informed of my current address.   4. In point 18 the Claimant claims the Termination Notice issued on the 26/04/2017 was the cause of action, this is patently untrue - the termination notice does not determine the Statute of Limitations date.   Pursuing a debt after a 6 years is clear breach of OFT guidelines and CPUT.   5. Addressing points 21,22 and 23 - the claimant contends its unfair to allow a set aside 16 months after a default judgement, yet failed to issue a default notice within the 6 year limitation period therefore breaching the rules of the Consumer Credit Act 1974 section 87/88.   6. I the defendant, contend that the Claimant's claim so issued is a claim in contract and
is STATUTE BARRED pursuant to the provisions of section 5 of the Limitation Act 1980. 
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.   7. The Claimant's claim to be entitled to payment of £2489.03 or any other sum, or relief of any kind is denied. 
   8. The defendant’s costs in dealing with the claimants default judgement and their set aside application to be paid by the claimant within 28 days.   (a separate costs sheet is attached).   Statement of Truth   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed: xxxx Dated: 17/05/2022   Costs Sheet Cost of N244 application form: £255.00      
    • Hi   I hope you are keeping as well as came be expected during this. and even if you want to rant here about this If A2 are still ignoring your letters/emails then that the Housing Ombudsman is now looking into this matter and have requested your evidence so far of their failure in Customer Cara and more importantly their own Complaints Procedure by failure to acknowledge letters/emails.   As you have already spoke to the Ombudsman I would contact them again and just explain to date A2 are still completely ignoring you with your complaint and you take this as a Breach of their own Complaints Procedure.   You look after yourself and even if you just want to have a rant about this to get this out your system you know where we are.    
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Cooperative Bank account application declined for applicants from overseas


Ameliek
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Here are my experiences with applying for my first UK-based bank account at Cooperative Bank, just to warn others of the unhelpfulness of this so self-asserted ethical bank.

- after a lengthy process of application for an account via snailmail (there are no Coop branches near by where I live), and after having already recieved approval, the application was suddenly declined without giving reasons, there was no possibility to clarify what was wrong and whether and how it could be sorted out, instead I was suggested to write a complaints letter. Other banks that I tried later were able to open an account for me ad hoc and had no problems with my data whatsover.

- forms provided online and advice given on the phone are only suited for longterm UK residents with an existing bank account, there is no flexibility for dealing with issues like: previous address abroad or having only recently gained a permanent address, having no bank account at

- in addition, people talking to me on the service line seemed to be not well-trained, they did not know how their application forms looked like, one even addmitted that she'd never gone through them herself

 

I'd really loved to join a good bank but Cooperative Bank turned out extremely intransparent and unhelpful. So I am back with the bad banks, congratulations!

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  • 2 years later...

I had a similar experience as a 30+ year customer trying to open a student account for my son on him moving to the UK last year. I received different advice from 4 individuals in the bank. Eventually (after several weeks) I received a paper application form which I submitted with supporting docs. It was rejected with no reason and he was told that to find the reason he would have to pay £10 and contact Experian so clearly a credit check failure issue. This is not surprising given he had no presence in the UK and no address! I had explained this in every call to the Coop prior to the application and I was assured that it was not an issue....he was peeved so went across the road to Barclays and an account was opened with 2 days.I suspect that the individual in Student Accounts just processed this application as all others as doing anything else would take some additional effort given the lack of procedure for non-UK applicants. Staff are always pleasant but not always competent and management even less so, especially when it comes to processes to deal with anything that is an exception or minority, such as non-UK clients. Shame, given the lack of ethical alternatives....

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