Tomasz vs Co-op ** WON **

[Tomasz]

Applied for and received full list of statements. Sent first letter 1/10 claiming 925 pounds (yikes!). Received standard 'sorry you've got a complaint' letter, 7/10, but nothing more. Sending Letter Before Action tomorrow....

[Welshman]

Well Done. Stick to your timetable.

[Tomasz]

Well, issued the first letter, they asked for more time. Waited the two weeks, issued the second letter. Just before the two weeks end (Monday) they write to me asking for six weeks! Six weeks! I gave them a full list of the charges and told them to refund me, what part of that takes six weeks?! So, I file my case on Monday!

[annekate]

One has to wonder if they think we are all comedians having a laugh with them? Go for it!

[Tomasz]

I'm preparing my money claim, but I'm thrown by this bit:

 

"If you have not already sent a full schedule of charges and overdraft interest to your bank

-- then --

stop!

- take no further action until you have remedied this."

 

I've sent my bank a full list of charges, twice, is that sufficient? If not, is there a template for sending them the charges and interest? What should I prefix it with?

 

Thanks,

Tom.

[Welshman]

Hi Tom.

If you have sent the Bank a copy of the schedule of charges (not including the 8% interest) when you sent them the Prelim letter and the LBA, then go ahead.

 

When you file at MCOL, then the 8% kicks in.

 

Send a copy of the schedule to the Bank and to MCOL by mail. You should include the Court Claim number on the top of the schedule to the Court, and in the one to the Bank, the reference number found at the top of their letters to you. You should also include a covering letter in each asking that they place the schedule in the file they have for you and also mention that you have supplied a copy to the other party.

 

The Bank copy should be sent to:

The Litigation and Disputes Team

Level 29

at their Churchill Place address

 

The MCOL copy should be sent for the attention of:

 

The Court Manager,

at the MCOL address in Northampton.

 

Some say that it is not necessary to send by recorded delivery but I did.

[Tomasz]

Thanks a lot for that. I'll file now (been two weeks since last letter) then when I've got the ref' number I'll send the full list of charges and interest back to the co-op and the court. Co-op's delaying has earned me an extra £75+, going up daily, so please, delay some more co-op, delay away!!

[Tomasz]

Claim is written out and ready to go on moneyclaim, just need the 120 quid fee :\ Should be able to file tonight though.

 

Welshman: can only find a churchill place address for Barclays, not co-op'? Will send to Balloon street unless I hear otherwise

[Welshman]

Yes, sorry, had Barclays on the brain. Yes it's Balloon Street. Sorry

[Tomasz]

Claim issued and mod' messaged to add to the litigation list

 

Total claim: 1167.79 - phew!

[robbiebow]

Good going, Tomasz! Keep on keeping on and let us know how it goes.

[Tomasz]

They were deemed to be served on the 18th and have until the 2nd of Dec' to get a reply in, here's hoping...

[Tomasz]

I've received a credit of 850 in my account today, which I'll gladly take as part payment but I'm hanging on for the extra 317.79 I'm owed. Not got any communication indicating this yet. They've also acknowledged the claim, buying themselves an extra 28 days

[annekate]

Congratulations!! Every little helps, eh? Keep up the fight.

Anne

[Welshman]

I've received a credit of 850 in my account today, which I'll gladly take as part payment but I'm hanging on for the extra 317.79 I'm owed. Not got any communication indicating this yet. They've also acknowledged the claim, buying themselves an extra 28 days

 

Sorry, no. By acknowledging, they only buy an extra 14 days. It's a total of 33 days from when you filed.

 

Also, if you are pressing on with it, send them this letter amended accordingly. I'd amend it similar to:

 

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

I thank you for crediting my account with the sum of £XXX. You have acknowledge my claim on MoneyClaim on line and I request, once again, that you return to me all charges imposed on this account, totalling £xxxx. There is a balance outstanding of £XXX

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with my County Court claim mentioned above if necessary.

[Tomasz]

Right, this is getting a little weird! Yesterday they sent me £850, and today they've sent me an extra £66.78. They've also sent me a letter telling me they'll be refunding £845!! Odd. They've challenged one fee, which was refunded, but I'd calculated they'd refunded a different fee and removed that from the list, so that's a minor technicality and a couple of days interest. They've challenged another fee, and I can't see why, they're saying it was only £30 but my statements clearly show a second fee of £25 too. They've also included this strange statement...

 

"The charge of £25 and 10 showing on your statement as fees are not charges and therefore will not be refunded".

 

They've not mentioned dates, and I've not included any of my 'subscription fees' so I can't think what these relate to. Anyway, I've tapped out a letter and a full list of all charges, interest and court fee they owe me.

 

Because there's one slight change should I copy this to the court to reflect this change? Or is this just between me and the bank at the moment?

[Tomasz]

GET IN!! £250 landed in my account this very morning! How do I stop my court action? Will fill in the survey and get donating

[Tomasz]

Filled in survey, completed donation, I've called up moneyclaim and told them everything's settled, I think I'm all done If some kind moderator can move this thread into won, I've already requested my litigation thread is moved.

 

Next... natwest! Bring them on!