Paintball vs The Cooperative Bank ***WON***

[Paintball]

SAR sent 14 December 2006

 

Reminder letter sent 4 January

 

List of charges received 11 January 2007

 

Statements requested 11 January 2007 with reminder letter sent 17 January. Statements received 17 January 2007!

 

Spreadsheet completed requesting re-payment of Commission, Daily Excess Charge, Service Charge and some Fees, but not including Interest

 

Preliminary Request for Payment with Schedule of Charges enclosed sent 20 January 2007.

 

Will keep you all posted as to developments ...

 

P

[Rooster-UK]

Hi Paintball.

 

I suggest that you have a look at this link.....

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

 

This is what you can reclaim.

Any charge which is a fee for a service cannot be reclaimed, and if you try to get these, your claim will probably be struck out by the courts.

 

Different banks use different descriptions for their charges. Post the question on this thread......

 

What can I claim back from Co-op Bank?

 

There are many users who have passed this stage already and wil be able to give you a definitive answer.

 

Good luck.

Regards, Rooster.

[Paintball]

Hi Rooster

 

I have posted a number of Qs relating to this subject, what can I re-claim from my bank in relation to charges, and based my claim on the variety of responses and plethora of information available within this site.

 

I've claimed for one Fee only: £10.00. It is not clear from my statements what this fee was for (not the usual fee for my Privilege A/C which I'm NOT claiming for, nor Visa Fee for use of ATMs when I'm abroad which I'm also NOT claiming for). I've included it in my schedule of Charges and if it's rejected then so be it.

 

What seems to be apparent from the successful claims (which I've monitored) is that the claimants have reclaimed charges that are the same as those I'm reclaiming. Phew!

 

I'm fully expecting a 'comedy letter' as my colleague/successful bank charge reclaimer CAG Buddy terms it, and that the Coop will refute some of the charges.

 

I'm awaiting the response ...

 

P

[Nads]

Hi Rooster

 

I have posted a number of Qs relating to this subject, what can I re-claim from my bank in relation to charges, and based my claim on the variety of responses and plethora of information available within this site.

 

I've claimed for one Fee only: £10.00. It is not clear from my statements what this fee was for (not the usual fee for my Privilege A/C which I'm NOT claiming for, nor Visa Fee for use of ATMs when I'm abroad which I'm also NOT claiming for). I've included it in my schedule of Charges and if it's rejected then so be it.

 

What seems to be apparent from the successful claims (which I've monitored) is that the claimants have reclaimed charges that are the same as those I'm reclaiming. Phew!

 

I'm fully expecting a 'comedy letter' as my colleague/successful bank charge reclaimer CAG Buddy terms it, and that the Co-Op will refute some of the charges.

 

I'm awaiting the response ...

 

P

 

Seems your claiming the correct charges, Co-operative bank (Smile) tend to use various words to describe their charges. Commission is one used since the re-claiming of bank charges gained momentum, another tactic has been to split the charge e.g. Commission and daily charge. Claim everything you think is a charge, you can always defend it if they dispute it.

 

Also, while your claim is being processed keep an hawk eye on your account, I found soon as I requested the SAR, they became quite strict with my account not allowing the slightest slip. (even more so that before anyway!!)

[Bizarre.Moogle]

£10 fee is usually for cancelling a cheque.

[Paintball]

Nads

 

Thanks for this, makes me feel a bit more secure after days of agonising over what to reclaim.

 

I've already had phone calls from Customer Care while I was waiting for my SAR data and asked them to put in writing rather than discuss. They've applied additional charges (which I've included in my Schedule) and will apply others in February. I requested that these Feb be dropped otherwise I'll take additional steps to reclaim them as I sai they are unlawful.

 

We'll see what happens.

 

Cheers to all.

 

P.

[Paintball]

I WON!!!

Checked my online statement today and found to my great surprise and pleasure that Coop have given me a Commission Adjustment to the tune of £4764.45.

 

There is a shortfall of £114.55 from my claim and I'll give them a couple of days to send a letter of explanation. If this is not forthcoming, I'll continue with the rest of my claim.

 

Hurrah, I can pay off my debts now and make a contribution to CAG.

 

P.

[dx100uk]

well done.

 

my exp letter for the refund came about 10 days after the transfer

 

dx100uk:grin:

[Nads]

Congratulations Paintball!!!..

[Paintball]

Letter from Coop received dated 30 January:

 

Dear xxxx

 

Account Number xxxx

 

Thank you for your correspondence. I am sorry that you have had to write in and for the delay in my reply.

 

I can appreciate that you are unhappy with the charges that have been applied to your account. As you are aware, the charges are valid and in line with the terms and conditions of your account.

 

No they're not, otherwise I wouldn't be asking for my money back and you wouldn't be paying it.

After reviewing the charges applied to your acounts. [sic] I can confirm that £4764.45 has been refunded to your account as a goodwill gesture. This will show as a credit on your next statement.

 

It was listed as Commission Adjustment.

I have diarised to waive accruing charges on 06 February 2007 so they will not be applied to your account.

 

Lady, you wouldn't be doing that if you thought the charges were valid and legally enforceable!

Please note Debit Interest was not mentioned in the statement from the Office of Fair Trading.

 

I didn't list this in my schedule of charges, so you're just point scoring there.

Please find enclosed for your information details of our complaints escalation process.

 

I hope this meets with your approval. However if you have any further enquiries please do not hesitate to contact Customer Services on 0845 212 212 we are available 24 hours a day 7 days a week.

 

Yours sincerely

 

Sue Sheehan

Customer Relations Adviser

Folks, it took me five weeks to get my money back from the Cooperative Bank.

 

Good luck to all!

 

Love P.

[Paintball]

Mods could you please move this to the Settled Section?

 

Thanks

 

P.

[Nads]

I love how they try to make it seemlike their doing us a favour. "goodwill", my foot.

[MARTIN3030]

Done and moved....sorry for delay !!