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

[dx100uk]

write to them telling/accepting it as a partial payment only but keep the MCOL running and tell them that too.

 

dx100uk:|

[dx100uk]

ok well i think one thing you need to do is take a deep breath & get your heads together here.

sadly, with your posts being spread around several threads [& i note a moderator has already done some work to ammend this] it is very difficult to assertain if what you are posting DOES actually relate to your co-op claim. but p'haps with all the other claims going on your way it can be excused.

 

so, are you indicating that you sent a claim into the co-op which did not cover the whole of the six-year period you could recover?

 

what you can claim is not going to go away into thin air, you need [and i say it again] to take a step back, gather your thoughts, and do it properly & carefully then it will not make us & yourselves look a little silly when payback for them does comes around.

 

dx100uk

 

dx100uk

[dx100uk]

ok well.

you go back to my starting period with them too! 1982!

right AFAIK you can only claim back 6yrs, [i asked this at the beginning of my thread if you look there]

there is a bit in the FAQ section highlighted to me about this too.

 

so i think you need to do nothing/dont change your plans

i think everyone would like it to go back to the year dot, but i dont think it ever will happen

 

watching your MBNA thread also as ive got one of those too!

 

dx100uk:)

[dx100uk]

its in the 'why is no-one claiming contractual interest' thread

thats the best i can do

if i can find it latter i will

 

dx100uk

[dx100uk]

well it seems to me that they have only paid interest [8%] after you [legally for want of a better word] added it after getting to MCOL stage, where you can add interest.

Am i reading this correct?

i have accepted my charges as a partial payment & sent off a letter about the 16.9% compounded i asked for, giving them 14 days to make a meaningful response in moving the claim forward, else i will process to the next stage. they said when i got my letter informing of GOGW, there is nowhere in the OFT statement that makes REf to interst, so did not have to pay it.

 

now, i am wondering if it might not be better to again accept the new payment as partial & keep this one going till you get what you want, rather than starting a new one?

i am unsure on this...just my thoughs.

 

keep in contact

 

dx100uk

[dx100uk]

i think the tone of the letter is for information to you, and , as such, needs no reply if taken in that context.

 

they gave you what you wanted within the alloted time as far as i can see, though you make no mention of getting just a list in the first place in your thread, nor when you got the list.

is it in another thread?

 

i think the point on previous to 6 yrs claiming making ref to 1980 act is worthy of note too.

must find that and read it

 

dx100uk

[dx100uk]

i still think you are trying to split hairs here.

don't get me wrong though,

i am doing the same as your are with the co-op.

 

in the letter above, it explains quite resonably & logically that your request was viewed as ultimately going to result in a claim for unfair charges, indeed this is qualified by your use of a standard template sar letter & your latter claim speadsheet back 6yrs.

 

there is also a thread about banks only having to supply a list of charges, thus again this tallies, as it would only be a list for last 6yrs, the other data would be irrelevent to a claim.

 

so her dates are correct, & they did meet the deadline.

 

i would concerntrate on trying to get com/cont int as i am, i do not think any establishment body would entertain your non compliance to sar claim.

 

sadly i think she has covered it nicely. she sounds one of the more intelligent & helpfull ones.

 

dx100uk:wink:

[dx100uk]

great news

well done

 

co-op are beginning to roll over.

 

how far back did the claim go in the end

past 6 yrs limit?

 

dx100uk;)

[dx100uk]

god this group is bzy today

i'll try a quick reply then!

 

ok well i'm doing mine going back to mar 82

im up to 1993 & already over £1500 charges

 

lets keep going

 

well done again

 

dx100uk

[dx100uk]

Im not sure how to calculate the interest, wether its to date or just to 2000 when the account was closed so will have to have a good read through the FAQs:???:

 

it will be to the date your claim goes in, you still did not have the money!

 

 

dx100uk:smile:

[dx100uk]

thats an interesting one as such.

the thing is the banks do never acknowledge that the charges are unlawfull. all they do is make goodwill payments against them.

 

now if there were a way to get around that, then you had to take the loan out because they levied unlawfully charges against you, that they acknowledge as such. so it would have a legal footing.

plus you would have to prove that ALL the O/D & interest was ONLY as a result of bank charges too.

 

then bobs your uncle, they would have to pay you back literally everything, loans, the interest on the loan & interest on that money that you could of invested elsewhere.

 

legal minefield me thinks, but interesting.......

 

dx100uk