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Philk23 V Co-op Bank


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Hi all


I'm claiming against the Co-op. Not for much at the moment, less than £200, because I only went for six years of charges, which is effectively only four because I closed the account two years ago. I'm at the letter before action stage, and although I've tried to follow all the steps set out on this site, I still seem to have messed up a bit, maybe. Let me explain.


Briefly, I've sent a request for payment and a letter before action and have had no reply to either, although I got a response to the SAR. I'm worried already - I sent them by normal first class post, via a postbox. I wish now that I'd sent them by registered post, but I didn't think about it at the time. I bet they claim they never got the letters, though, if I make a claim against them at court. Anyone got any ideas on this?


Anyway, I'd like to claim back more than six years, as the bulk of my charges were about 7-8 years ago. I closed the account eventually because of their unethical stance of ripping off their customers with charges.


Here's the other thing I think I messed up. When I sent my SAR, I enclosed a £10 cheque and requested details of my full banking history with them. They cashed my cheque, but only sent six years of statements, not the full history I requested. At the time, I decided that that was probably the best I was going to get, so I didn't reply to them, and the 40 day period elapsed some weeks ago. What should I do? Should I send another SAR for the other period? Send a letter requesting the missing information that I asked for and giving them another 40 days? Should I send them another tenner? Should I attempt to include the earlier period in my current claim, or start a separate claim for this period? I'm sure that they will take full advantage of any mistakes I make, and I just don't know what to do next. Gaaaa!!!




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Hi as you asked for all your banking history then they have failed, they may claim they dont have any info older than this but this would be their attempt to avoid older charges, off course you still have to get over the arguments of the limitation act if it were to go to court.


Send Non-Compliance template that suits.



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