@coopbankuk_help Co-op bank "Account closed" help!!!

[pj almost 50]

Hi All

 

It is some years since I have been on this site..

 

So long in fact I have a new email addy and have hade to re-register. I had some succes with recaliming bank charges which i am grateful to the site for.

 

But I did lose two claims

 

It's 3:00am saturday morning and am trolling through all the threads..

A lot has changed over the years, but hey if you dont ask....

 

I have had a cashminder account with the Co-op bank for about six years (aniversary in May this year).

 

Being broke all the time and sruggling to keep afloat (self-employed) I'll be honest i "flew a kite" had money in my current account, used my debit card say on a monday, went on internet banking, monday night. Money still showing as in my account on on-line banking (oh i get so confussed) transferred my balance to my savings account (also with the co-op) instant tranfer to that account, go to cash machine,

and withdraw the money from savings account.

 

If i have £50 in my current account spend 45 on my card, i can transfer 50 to my savings account and withdraw £50 in the morning.

 

I have spoken at length with customer services about the fact that their internet banking statements are not "in real time". I have to go to an ATM for an available balance.

 

I am far to busy with my life / work to be trudging to a cash machine to get a balance!!

 

So, the long and short of it is. I played their inept computer system, got cought out and because i went "overdrawn" 5 or 6 times in the last 3 months their terms and conditions say "close the account".

 

I would accept this but

a/ i have been charged for "breach of contract"

b/ the money "borrowed" has been paid back within 3- 4 days.

c/ this scenario has only happened through absolute nesseceity over the last twelve months or so.

 

I have spoken with customer services who advised that they would extend the closure from 7 days to one month...

 

I think this is unfair considering what i pay in on an Annual Basis, I Turnover a reasonable amount, and try my utmost to keep my account with them in good order..

 

Is this Fair? Are there rules they must abide to that will take a week or more for me to research?

Call centre staff a great but they all just read of idiot cards! Bahh Bahh, it's a job, do the shift and go home..

 

All a bit vague, but i need to save my cashminder account..

 

Any Ideas folks??

 

Thanks

 

Paul

[Bombaymix]

LTSB done the same to me... I went overdrawn a few times with no authorised od. They wrote to me each time telling me if it continues then say goodbye to my account...

 

It continued...

 

I said bye bye to my account...

 

No dramas, I opened a different basic account with another bank.

[pj almost 50]

Hi Bombaymix,

 

Thanks for that, I was after something to make the co-op realise that I actually pay in (about 50 grand a year), but they use virtual money so not bothered... Which really peed me off!

[Bombaymix]

I can imagine why you're peed off in that case!

 

Have you tried Halifax? I believe they offer the same type of account. Screw the co-op - sounds like they've lost (or booted out) a good customer.

 

If you do value your co-op account that much, maybe worth a letter to their complaints department? Afterall, it is their fault... They claim they offer no overdraft facility on their basic accounts let allowed you to become overdrawn.

 

To be fair, I wasn't bothered with LTSB closing my account, the last phonecall I received from them telling me I was overdrawn by £10 for 4 months and that I now had to put £270 in to restore a £0.00 balance.... Oh how I lol'ed on the phone to them.... Received a letter shortly after telling me they were closing my account.

 

Regards

[pj almost 50]

Ha Ha, The Halifax??!!

 

Have a look at the terms of service for a basic account customer.. They dont allow you to deposit money or a cheque at their tellers windows, paying in must be done in an envelope through a machine!!

 

They may as well say "sub humans" this way >>>>>

 

I only breifly read their terms of service, so I may be wrong but that is how interpreted it!!

 

Yes I have the name of the chap who is in charge of customer complaints...

 

I only want to save the account because it is easier than changing..

 

Cheers

Paul