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Q v Co-operative Bank ***WON***


Guest ian cognito
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Guest ian cognito

Took two S.A.R - (Subject Access Request)'s into the Co-op Bank in Balloon Street today, 1 for Co-op, 1 for Smile, put the two letters down on the reception counter and had a very interesting conversation:

 

"Could you take these and give me a receipt please"

"What are they?"

"Letters"

"Why do you want a receipt"

"to prove I delivered them"

"oh right - I'll be back in a minute"

 

Five minutes later she returned with a compliments slip written out that the letters had been taken and would be delivered to the correct department. So thats the first bit over with.

 

:confused: Interestingly, I received an e-mail while I was at work telling me my Smilemore account has been transferred to a current account so I no longer have to pay the account fees!

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All these companies have been trying to process these requests alot quicker lately but sometimes things are getting lost in the system, good luck and keep us updated.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Guest ian cognito

Cheers for that, Co-op have returned one cheque to me as they don't need payment for both the co-op and smile accounts, must say I wasn't expecting that!

 

Await the statements now, patiently of course:rolleyes:

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  • 1 month later...
Guest ian cognito

Just been into the main Balloon Street Branch and handed in Prelims for both Smile and Co-op accounts, confused them a bit by asking for a receipt!! Don't do receipts apparently :confused: . When I insisted I was invited in to see the Branch Manager who asked if his word wasn't good enough :mad: , I said I would rather have it confirmed in writing but was happy to take the letters back and send them recorded delivery, his assistant had them in her hand opened!!! :)

Receipt duly scribbled on a comp slip.

 

Ah I feel so much better now. :D

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Guest ian cognito

That was quick, received a letter yesterday, sorry you are unhappy etc, etc, they'll get back to me within 7 days to tell me how much longer it will take them to look into my complaint! yawn!!!

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  • 3 weeks later...
Guest ian cognito

YES!, YES!, YES!, (cough) sorry no need to get carried away, received a letter today from the Co-op, they are sorry I have had to write to them etc. etc. the charges are valid etc. etc. THE TOTAL CHARGE HAS BEEN REFUNDED TO YOUR ACCOUNT!!, hope this meets with your approval etc etc.

 

Thank you CAG, Caro for support and all fellow co-op claimers - don't give up!!!

 

Donation winging its way!

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well done hun. enjoy spending it

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Go Jan, go Jan!!!! you make it seem so easy...

 

I am 'doing' the co-op at the mo....hope mine goes as well as yours!!!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Guest ian cognito

It was fairly Thomper but I have been moaning at them about bank charges since 2003 and I still have the letters to prove it!

 

Keep at it, it won't be long now! :-)

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Many Congratulations. Don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Guest ian cognito

Good luck llandegla, if you haven't already done so, start a thread in the Halifax forum, you'll get all teh help and support you need off the wonderful people on this site.

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  • 1 month later...

ooohhhh help. I have have read your threads and advice to people many times and I would like some advice!! I have sent my spreadsheet in and claimed for debit interest, commission, service charge at eight and twenty five pounds and daily excess charge is this right or have I cocked it up royal!!

Co-Op S.A.R - (Subject Access Request) Sent 24.10.06:-)

Co-Op Acknowledgement letter recd 01.11.06:)

Stats Received 07.12.06;)

Claim settled in full 22.12.06:)

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Guest ian cognito

It may be that you can't charge the £8 fee but it won't make any diffenece to the claim, they will just ask you to remove it from the total, don't worry you'lll have no trouble but if you start your own thread in the co-op forum, you'll get lots of help and advice. If it will make you feel better, deduct the £8 charges when you send in your LBA.

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Co-op makes things confusing don't they Jan! Masking their 'punishment' charges as a 'service' charge.... how is that a Bl**dy service?!?!?!?

 

I am still confused over the whole interest things as I didn't think we could claim any interest at the prelim stage... loks like somebody didn't spend enough time readingthe faq's - ooops!:o

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Overdraft interest on the proportion relating to unlawful charges is fine, as it wouldn't have been taken were it not for the charges.

 

I'm moving Jan's thread to the Successes forum now so newbys can read up, but please stick to your own threads so we can all follow your progress too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 weeks later...
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