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Chelsea123 'vs' Co-op Bank


chelsea123
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Hi everyone,

 

I've been a customer with the ethical Bank for 3 years now and have recently decided that the excessive charging I'd been subjected to over this time was a disgrace.

 

Having requested a DPA back on 12/01/07 (Letter No. 1) I recieved the computer print outs as requested 40 days later - with no fee to pay. Over the 3 years I'd been charged £1,250! so now I've requested they refund this money and remove all default notices against my credit rating/score (letter No. 2) I should get a reply on 13/04/07 if they respond in the given time of 14 days.

 

Hopefully I'll be £1200 better off in the next few weeks!:)

 

Or be in the process of taking this to the car park (courts i mean).:mad:

 

My question is has anyone requested monies to be refunded for charges on a CO-OP Travel card Visa? if I make a late payment or go over my credit limit by even £1.00 - I get charged £11 for an overlimt fee? is this considered an acceptable charge? I read somewhere online that £10 is a suitable fee for credit card companies? :?

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So it's the 13th and all I've had from the Co-op is the standard letter

 

"we're very sorry to hear of your dissapointment of our service etc. etc. blagh, blagh blagh, we'll be in touch in the next 7 days"

 

So today I fire the final warning shot, I'm issuing them my third and final letter - explaining that I'll be taking this to the small claims court unless they refund me in 7 days!

 

I'm nervous already, I hope they resopnd, I would rather not have to go to court - But am 100% prepared to if it comes to it.

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You can claim the whole of the 'overlimit charge'. An unlawful charge is just that, not a percentage. Do you really think it costs them £10 to send you a letter? I do not have a co-op current a/c only a credit card but on my other current accounts I have claimed back any interest they charged me at the end of the month, e.g Halifax call it 'interest debited - as notified last month'. Do the co-op do something similar? This can also be added on to your claim along with the 8% statutory when you get to court stage if that happens. I do hope I am giving you good advice, Sally

 

Why are you only giving the 7 days? Is your 3rd letter your LBA 'cos you have to give them 14 days by law. 14 days only by the way NOT 14 working days

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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Thanks for the advise Sallysas, it's been very helpful - I'll begin claiming back charges applied to my credit card once I've resloved the issues with my current account.

 

Why are you only giving the 7 days? Is your 3rd letter your LBA 'cos you have to give them 14 days by law. 14 days only by the way NOT 14 working days

 

My mistake with the 7 days thing - i've just sent the co-op a letter extending the time they have to respond before I take court action to 14 days form the date of my first letter (the one sent on 13/04/2007).

 

Thanks again for your advice and good luck with your own bank battles!

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  • 4 weeks later...

Just a quick update on my situation (seems similar to a few other people in this forum at the moment).

 

After sending my 'LBA' to the Co-op on 13th April I didn't get a response in the 14 day time period they had.

 

So I filed a claim with MCOL on 30th April - the claim was acknowledged by the co-op on 4th May so they have a further 28 days to put in a defence for the case, all other threads on this site lead me to believe it won't get that far and they'll hopefully settle in full before the court date of 1st June.

 

Question for Bolton1 - you seem to have had a few telephone conversations with the co-op, do you think i should put a call in to them to find out if they will be defending the case? It might then bring my case to thier attention and be resolved sooner? or should I just leave it and prepare for court?

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Hi Chelsea, I don't think that it makes any difference if you phone or not. From what they told me, they do not want to get into having to put in a defence therefore they settle before the 28 days even though they do say at the beginning they will defend the claim. If you take my situation as an example, I would contact them one week before the 28 days are up, they then seem more than happy to agree settlement over the phone followed up by a letter from you agreeing that it is full and final settlement of the claim you have put into the court.

 

Hope it helps

 

Gareth

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I WON! **SETTLEMENT IN FULL** £1508! which includes charges, 8% interest and court fee.

 

After submitting my MCOL the co-operative bank acknowledged my claim (giving them an additional 28 days to enter a defence) 1 week later I got a letter from them explaining that they have refunded me the full amount and that they are very sorry I am disapointed with there service blah, blah, blah.

 

So I checked my account online and true to their word it was all there!

 

Only problem is - between submitting my MCOL and getting their settlement letter they've charged my account a further 4 times! at £35 a pop, I going to call them and see if i can have those charges back too, or go through the process again for this £140.

 

Ps. could a moderator please put this thread in the claims won folder, thanks.

 

Thanks for your help guys, now to make a donation and update the cases won survey. Good luck to all of you!

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congrats on your win, 3 more days before i file a claim with MCOL. what's bothering me is the lack of comunication from the co-op regarding my case, is this just a delaying tactic to put me off? anyway, enjoy your new found pocket money.

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Congratulations

 

That wasn't painful was it? Lets hope they see sense and give you the 4 charges back without this palaver. Just tell them you have just had charges refunded after filing N1 and do they want to avoid you taking them to court again. Have a good Whitsun, Sally

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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