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soniah v coop


soniah
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  • 2 weeks later...
  • 2 weeks later...

:confused: :confused:

 

Hi,

 

Just received both statements from the COOP and the return of the £10 cheques that I sent them. However what they have sent is not a normal statement. I am now a bit confused....

 

On the statement is states both Commission and a fees line, can I claim for both of these or just the fee???

 

I would like to get my first letter out today, so any help would be much appreciated. I have looked through the COOP forum but cant see this question??

 

Please help??

 

Thanks.

:confused: :confused:

HSBC WON - £1853:D ;)

COOP - SAR SENT 10/01/07

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:confused: IT SEEMS AS THOUGH THEY HAVE DONE THE WORK FOR ME, RATHER THAN DO THE SPREADSHEET IS IT ACCEPTABLE TO JUST SEND BACK THE CALCULATIONS THEY HAVE SENT ME FOR BOTH COMMISSION AND FEES OF WHICH i AM PRESUMING ARE THE SAME JUST NAMED DIFFERENTLY. OF SHOULD i DO MY OWN SPREADSHEET EITHER WAY????

HSBC WON - £1853:D ;)

COOP - SAR SENT 10/01/07

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well i'm wondering if there might be a money saving ploy going on here.

signs of something to come by all banks?

 

if they provide the list of charges & a total, they will, ofcourse, not include compounded interest [at whatever rate you wish to use]. hoping or assuming you do not think you are intitled to it. Thus it saves them money? under a smokescreen of 'oh aren't they nice, they gave me what i wanted without charging me!'

 

i would be inclinded to use their figure then add what you feel is correct interms of interest using vampiresses spreadsheet.

 

AFAIK you have nothing different there to what i claimed, bar, Daily Excess Charge?

 

up to you, but if it were me i'd return the cheque and say no give the full statements please.

 

though again, i have read somewhere that it is all they have to provide, just a list.

 

intersting thoughts, any takers care to add to this??

 

dx100uk

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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My wife has the same problem, to me it seems that this is just a way around sending the statements and hoping that you fall for it.

 

I want all the statements so I can go through them. IThere is a letter in the templates section which tells them they have not sent what you asked for and you are giving them the remainder of the 40 days to send it otherwise you are taking them to court. I will be sending that along with the £10 cheque again.

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this must be just a new thing as my nephew sent his S.A.R off sometime in december also and got a letter back with his charges all listed too and the £10 cheque returned he recieved this back yesterday!

 

I sent my S.A.R off the end of november and got my statements one day before the 40 days were due on the 9th January!

 

I think I'd agree with DX100UK and BURF that there hoping that you'll just go for the charges they have listed, But If it was me I'd wait till all the statements arrive! so you can go through them yourself, because the lists from the bank might not be the true list of charges!

 

good luck all :)

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I think tis may be a new policy - post-Jan 07 - to deal with an increasing number of claims. I made my SAR request to the Co-Op in November, and although it took them the full 40 days, I did get all my previous statements (and they cashed my £10 cheque.) This arrived on 31/12/06.

 

TT.

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Recieved a letter this morning, saying that they are sorry that I have had to complain but they intend for someone in there customer service team i am presumin that others have had this? what usually happens from the COOPs side at this point?

HSBC WON - £1853:D ;)

COOP - SAR SENT 10/01/07

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Guest ian cognito

Yes continue with your timetable, send your LBA 14 days after your prelim giving them another 14 days before you file at court.

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  • 4 weeks later...

Can anybody help with a letter template. The COOP have refunded some of the money into my bank account, but have left approx £2500 so i want to state thank you but I still intend to continue for the balance...

 

Help much appreciated.:confused:

HSBC WON - £1853:D ;)

COOP - SAR SENT 10/01/07

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