Phil and Alison v The Co-op ***WON***

[phatram]

Hi

Our case did not get to Court, the Co-Op paid out in full after they filed an Acknowledge of Service and a Defence but caved in before a court date was given. The Court has been notified of the settlement, we have not yet made any request for costs.

[livelylad]

I would think you have little or no chance of getting costs. Especially as you never filed a bundle at court.

[noomill060]

I suceeded in getting all my statements from Northern Bank going back to 1987. They told the ICO they were on microfiche and that they wouldnt supply them because it would take disproportionate effort to comply with my SAR.

 

The ICO told them they most certainly would supply them or face prosecution.

 

I recieved my statements 10 days later.

[Chris_w]

Fantastic letter it should be in the temlates library or at least a sticky

[stonedecroze]

Fantastic letter it should be in the temlates library or at least a sticky

 

Hear !!! hear !!

[phatram]

The hearing of the claimant's application for An Order To Remove The Stay will take place at 14:00 on the 21 September 2007 at Derby County Court, Combined Court Centre, Morledge, Derby, DEI 2XE.

Cases are listed in accordance with local hearing arrangements determined by the Judiciary and implemented by court staff. Every effort is made to ensure that hearings start either at the time specified or as soon as possible thereafter. However, listing practices or other factors may mean that delay is unavoidable. Furthermore, in some instances a case may be released to another judge, possibly at a different court. Please contact the court for further information on the listing arrangements that may apply to your hearing.

What do I need to do now ?

[zootscoot]

Hi Phatram,

 

Have a good read through the forum for stays and have a look at the templates in the stckies. Although it is important to adapt it to make it personal to your circumstances.

 

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/

 

Best of luck

 

Zoot

[phatram]

I dont understand what I have to take with me. Do I have to do a court bundle?

[zootscoot]

No you don't need to take the normal bundle as they will not be considering the substantive issue of the claim.

 

Use the templates for the application for removal. You could also print off a list of settled cases from the litigation section. I don't think the Co-op was part of the OFT agreement but you might want to check this. If not you could perhaps mention this in your application. There is also a Newspaper article whick is linked in the stickies where the OFT suggests that the test case may not go ahead. You could mention that in your application and print off the article to take with you. If you mention the Human Rights Act and the Civil Procedure Rules you will need to print these off also.

 

Best of luck

 

Zoot

[phatram]

Ive already sent the application for removal, do I have to take another?

[zootscoot]

Yes you will probably need it for reference unless you have a photographic memory!

 

See also the new bundle for stay hearings in the bank templates library.

 

All the best

 

Zoot

[phatram]

Hi Zoot, would you please take a look here?

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/114426-hearing-derby-cc-friday.html

 

thank you

[phatram]

Hello,

I am Phatram's daughter...

 

I have had an account with the Co-op since I was 10. Over the years I have upgraded this to be able to have a cash card - Visa Electron - and recently I phoned them up to ask if I could upgrade it further to have a Visa Debit Card.

 

I am 19, at Univesity and moved into my own home. For the last year or so, my parents have been battling with the Co-op to claim back thier bank charges - and suceeded - and are now in the middle of another battle.

 

I applied for my Visa Debit over the phone and they said I would receive a letter in the next few days - at this point I was still living with my parents. After not receiving a letter, I telephoned them again and was told the application did not go through. I completed another one, aswel as changing my address to the flat where I now live.

 

Whilst I was on the phone to the gentlman, he mentioned my Father's name - so it was obvious that they had linked me to my parent's battle with the bank.

 

I finally received a letter from the bank saying I was unsucessful in my application for a Visa Debit Card. The letter says they take into account:

1. The amount of time the account has been open - this has been since I was 10!

2. How often I use the account - This is now a secondary account to my Halifax Student Account because they offered me a better deal. AND I have £780 invested with the Co-op for my upcoming holiday! So how dare they say I dont use it!!

 

I am appliying for the card so I can use it in all shops and even abroad when I go on holiday - I have one with the Halifax already so Visa have already accepted me for this.

 

Does anyone else see this as retalitory act towards me because of my family name? I want to close my aco**** down with them now as I could easily go to another bank and get the service I want.

 

Can anyone help and tell me what do to?!

Thankyou

[rory32]

As you're a student most banks will be happy to have your custom and give you a current account with a debit card. It's quite possible that the actions of the Co-op are retaliatory but you'll never get them to admit it and they'll just state general reasons why you did not qualify. Best to just close your account and go elsewhere I would think.

[zootscoot]

You can generally get good deals on student accounts