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Help on overdraft


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I am looking for some advice in relation to an overdraft on my current account with COOP.

 

I lost my job in 2010 and was unable to meet any of my credit repayments and my overdraft was one of these.

 

The CC and OD was brought by lowlife( Lovell) few months ago.

 

I CCA on both accounts but lowlife (Lovell) returned CCA on OD claiming it not cover under CCA

 

however after several weeks they came back to dropping the credit card debt as COOP cannot produce the OA given time factor as acct was opened 2000.

 

Lowlife are now chasing for the OD abt £1000.

 

They sent statement on the acct covering last 2 years. Acct was opened around 2004.

 

They're now threatening as I have my own house.

 

What are my options.

 

Pls guys can I fight this as well?

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. They're now threatening as I have my own house.

 

Treat it as just a threat i expect you have been talking to them on the phone?

 

stop all communication by phone

the overdraft is not covered by CCA request

 

if there is lots of charges it may be wise to send a subject access request to coop and look at get them reclaimed

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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no need to 'claim' as such

 

just get the info on how much of the OD is PENALTY charges

 

then we can look at using BCOBS

 

see the RBS link

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So what should i do next. Is there anything similar to CCA for OD or should I just make arrangement to pay lowlife whilst Im sorting out PENALTY charges claim

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Ignore Lowlifes.

 

Have they actually bought the debt, or are they simply the gophers doing the dirty work and collecting it on behalf of Coop?

 

Deal direct with Coop.

Send them a SAR and enclose the £10 fee, they have 40 days in which to send you all the info they have regarding your account, then you can see what fees/charges they have added to it and reclaim them.

 

Overdrafts have part V exemptions from the CCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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matters not sar the co-op

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I wouldn't enter into letter tennis with them.

 

they'll soon get the idea

 

just ignore them.

 

they ARE NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've read some nasty things they do on the forum.. Wouldn't they try the bankruptcy trick on me if I just ignore them. Sorry for being worried. Is there any legal request similar to CCA for overdraft?

Can someone confirm COOP data address below(

The Data Controller

Cooperative Bank

Delf House

Skelmersdale

WN8 6NY

Thx for your help guys

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they wont do anything on an OD debt

that the OC has sold

that obv contains penalty charges

 

that's why the OC sold it, lemon debt.

can never goto court for fear of a counter claim.

 

sit tight for that sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No ignore lowlifes.

 

The letters they send out are ALL computer generated, and the telephone jockeys have no idea where in the cycle of threat letters you are until you contact them.

Ignore, Ignore, Ignore.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

Guys - Update on this I now

 

received a letter from Red which I believe is part of lowlife saying that they've access my credit record

and about to pass my debt to Hampton legal for court action

 

however they're now offering either 30% discount on F&F or alternatively make a monthly payment of certain amount until bal is cleared.

 

They gave 10 days to respond.

 

I've already sent for SAR as previously discussed.

 

What should do now?

 

Should i make a lower counter offer without admission and if yes at what %,

or should I just let them know that the account is in dispute given that I have requested for SAR to identify unfair charges. Pls advice

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told ya!

 

discount letter

full of charges

 

 

ignore

 

await the sar

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...
Thanks dx. Will do

 

Guys I now received another letter last week from their legaldept stating that they will go to court and

 

at the same time my SAR request came with bundles of papers from Coop.

 

Part of it are four pages of fees, interest and charges analysis for ten years(2000 -2010) when I had the acct with them.

 

I did a quick calc on charges of rtn DD,CHQ and comes to about £400+( about £30 per transaction).

 

What should I do next?

 

Thanks for your great help

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poop them all in this spread [use the BANKS od int rate in cell d 15]

 

input EVERY charge individually.

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

then next bit is upto you.

 

you can either send it lowlife

stating 'should' they ever wish to proceed to court

your counter claim will be based around the spread plus wasted costs etc etc.

 

still wanna go lowlife?

 

or ignore them.

 

I bet the letter does not say WILL though

every word but

read it properly

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

poop them all in this spread [use the BANKS od int rate in cell d 15]

 

input EVERY charge individually.

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

then next bit is upto you.

 

you can either send it lowlife

stating 'should' they ever wish to proceed to court

your counter claim will be based around the spread plus wasted costs etc etc.

 

still wanna go lowlife?

 

or ignore them.

 

I bet the letter does not say WILL though

every word but

read it properly

 

dx

 

 

Thanks dx. You are a star. Will start populating the sheet. You're right the letter didn't say will but given so many nasty thread I read about thiese people they always trying to go for CCJ/Bankruptcy..... Just to be clear should I print out every calculated charge sheet individually and then have a separate summary total sheet for them.

 

Thanks once again

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huh?

just fill in the spready.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi can you attach it please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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