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Co-operative Bank - Messing me about

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The Co-operative Bank are marching me to the top of the hill and down again like the Grand Old Duke of York!

 

Prior to learning the error of my ways (from this site!) I wrote to them in April asking if I had been charged PPI on a credit card. I quoted the card's 16 digit credit card number in full. I received a reply from them at the end of May which contained the following comments:

 

Having reviewed our records, and from the information provided by you, I have been unable to trace any credit cards in your name that included PPI. I have enclosed copies of statements as evidence of this. Although we are only obliged to keep records for six years our statement records actually go back to January 2000.With this in mind we are unable to pursue your complaint further and accordingly we have closed your complaint on our records. If however you can provide us with copies of any statements from prior to 2000 which show that PPI was included or any other documentary evidence to support your complaint we will be happy to investigate this matter further. Etc. Etc. Etc.

 

With this letter they enclosed barely legible photocopies of 5 statements from the period 2000 - 2004.

 

Having subsequently read up on this site I sent them a SAR and £10.00 postal order on 1 June. I have received their response, by letter today. The have returned my £10.00 postal order and state:

 

Regarding correspondence received 8 June I am writing to advise that we are unable to locate any accounts, loans or credit cards for the customer on file. Please can you provide the full 16 digit credit card number, or sort code and account number, the dates the account was opened/closed if known and any previous addresses held. Please also enclose details of any name changes.

 

I'm getting the runaround here. How do I respond please? They have got records, back to 2000 and they have confirmed that in writing. How do I stand on the 40 days with the SAR? Do I send the postal order back when I respond? How many deep breaths should I take before I respond?

 

All advice gratefully received. Thanks.

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Forgot to say in OP. The statements that they sent with the first letter definitely relate to the account number that I originally quoted and there has been no change of address or name at any time.

 

Anyone help please?

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Send the SAR again together with copies of the letter in which they say they do have records and copies of the copy statements they sent you.

 

Tell them that they are in clear breach of the DPA and as such you have filed a formal complaint with the ICO (and do so).

 

Tell them failure to comply will result in you issuing court proceedings to force disclosure.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

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Thanks ims21. I'll do that today. How long do I give the bank to respond, given the earlier correspondence? Thanks again.

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Sadly I think they will still take their 40 days but it won't hurt to mention that you expect a response sooner than that given their tactics


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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OK, no problem. Will that be another 40 days from when they get all this back? Thanks.

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Yes


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Just two more questions before I start bashing the keyboard. Do I send them the original SAR letter as a copy attached to my new letter or do I do it again from scratch? If the latter, do I incorporate it into my letter telling them that they are in breach of the DPA or do I attach it as a separate document?

 

Thanks ims21

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send them the original with a covering letter


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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It'll be in the post (recorded delivery) today! Thanks for all your help ims21.

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