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Hi, was in process of making a claim and found this site. Have received back the details on the last six years of charges applied by the co-op but stumbling up against identifying what i can claim from the list, it's rather oblique! The monthly premier a/c fees are readily identificable from the amount billed so can exclude them but concerned that within the fee/commission columns they have included OD arrangement fees and the suchlike which I am guessing are not re-claimable of themselves - anyone have a suggestion how to go about clarifying what is actually re-claimable from their list?

many thanks

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Different banks use different names and I am not aquainted with the ones that the Co-op Bank use.

But YES... you can reclaim OD arrangement fees. This term is an attempt by the bank to cloak the true nature of the charge.... it is still a penalty charge, regardless of what they call it.

 

Come on, Co-op people, help this new member out. :)

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Hello 1peatling

 

Sorry, don't know where everone else is today ...

 

I have a basic Privilege account and did not claim for my Privilege Subscription (currently £8.50 per month) but successfully re-claimed:

Commission, Daily Excess Charge, Service Charge and some Fees.

 

As has been mentioned on this site before, and this is what I did myself, just claim evrything you feel is right and the Coop will make their own adjustments. I won back £4764.57 in just over five weeks. The amount I claimed was higher, but the Coop left off £114 which they obviously didn't agree with and I was satisfied with that.

 

I had a list of Charges that the Coop sent me from my SAR request and I then had to ring the Customer Services Dept in Balloon St, Manchester to ask for my Statements as well. Reminded them of the 40 days to comply and they sent the statements through.

 

I was then able to take my time comparing charges on the statements and those on the Charge List.

 

Cheers

 

P

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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thxs - will see how i get on - I was going to post out the 1sst reclaim letter to the local branch, presume that this is what most people are doing in the first instance...

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Your prelim letter and schedule of charges (take photocopies of both) should be sent out by 1st class recorded delivery to:

 

Customer Care

The Co-operative Bank

PO Box 101

Balloon Street

MANCHESTER

M60 4EP

See letters in Templates section.

I would also advise you to read the Coop success stories to see how claims went and also read other threads to keep an eye out for info and how claims are going at the moment.

Best wishes

P

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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if you need a name try Diane Sanderson Customer Care Officer got my S.A.R back from her in 4 wks.

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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  • 5 weeks later...

Hi - Settled 11th April £1780 of claim 1544.50 plus 299.51 interest

7th Feb - SAR

19th March - 1st re-claim letter

30th March - LBA

(2 * 7 day looking into Fob-off letters recieved and 1 * 40 day Fob-off letters recieved)...

 

remarkably painless....:)

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Well done ...

 

P:D

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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congratulations. Now wasn't that painless. Have you filled in the survey and perhaps sent a donation.............

 

Enjoy your dosh. :)

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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