Jump to content


Coop account and hardship


Bakerboy27
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1461 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

I have a friend (no really) who has debt problems which are being added to I believe by the charges levied on her account.

 

 

She had a basic account with no overdraft facility

although she did keep going overdrawn and hence accrued charges,

these have snowballed as happens and resulted in the account being closed.

 

The thing is she is on benefits which the bank are obviously aware of and as soon as the benefits are credited they have been swallowed by charges adding to the debt problems she has.

 

I have tried finding posts on here but dont seem to be finding what I need so can anyone point me in the direction of reclaiming charges under hardship rules if this is possible.

 

would it be prudent to send an SAR or is this likely to be a dead duck ?

 

I am in the process of collecting all the info that I can.

Cheers

Link to post
Share on other sites

First things first is to get a NEW bank account with a separate banking group, otherwise the bank will steal anything that goes in.

 

SAR the bank yes, find out exactly what charges have been levied on the account, and the interest charged, then under the hardship rules reclaim them.

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!

 

 

Link to post
Share on other sites

hardship letter should be in the debt collection section of our library

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... 

Link to post
Share on other sites

Thanks, yes that is in hand not quick enough unfortunately, got her to apply for a post office account yesterday but they have closed her account today. not good !

 

Matters not one jot if they closed her account, open another one, and reclaim all of the charges the parasites levied as they knew she was in financial hardship.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

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!

 

 

Link to post
Share on other sites

They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

Link to post
Share on other sites

They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

 

Then she needs to lodge a formal complaint with the bank, exhaust it, then escalate to the ombudsman.

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!

 

 

Link to post
Share on other sites

yes, complain. notice should be required.

and any money available at time of closure or withdrawal should be paid back out, regardless of what might poss happen in the future.

it seems coop bank is on the way out.

IMO

:-):rant:

 

Link to post
Share on other sites

  • 1 month later...

My advice would be to get your friend to join your local credit union. Not only will they provide a Visa debit card, they will encourage her to save a little each month, even £10 mounts up. The other good thing with a credit union is that loans are available, some on joining. Typical loan of £300. They do everything a bank does, but a lot better and without all the charges. Unlike banks, they will lend £500. I've used the Lincolnshire Credit Union for many years now and have received an excellent service.

  • Haha 1
Link to post
Share on other sites

I had similar problems with the coop bank a few years ago now. They closed my accounts with very little notice, said that because I was just a basic account holder that it operates with different rules from a normal bank account. Even after banking with them for over 5 years they still closed the account and never upgraded it to a normal account.

 

I joined Barclays and opened apt heir basic account. 4 years on and it's been the best decission I've made. I now have a normal account. Their online van kings a great help, but what I've found the biggest help is that they will pay a direct debit, if you don't have enough in to cover it they will text you with the minimum funds needed to pay the DD and you have until 3pm of that day to get money in.

 

It's really hard when your at the bottom with no way out, but finding a better bank can really help you start yo straighten things out

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...