Stubbs Vs The Co-Operative Bank

[Stubbs]

Hi Everyone.

Having successfully claimed my hard earned pennies back from LloydsTSB, I decided to review my old credit card statements, and would you believe it, they've done the same thing! :o

Still, I've just started a claim against MBNA for £800 charges (different thread), but I also remembered I had a credit card with Northern Rock. Towards the end of the life of this card, it was taken over by The Co-Operative Bank.

 

Am I right in thinking that the Prelim letter should be sent to the Co-Op bank, and not Northern Rock, as it is the Co-Op who run the card?

This claim isn't for much - £260, but it's £260 that I could do with thank you very much!

 

Does anyone have a contact name for the Co-Op bank address in Balloon Street, Manchester? or should I just send it to the customer complaints department?

 

Thanks for your help.

Stubbs

[Stubbs]

Well, managed to find a contact name - hopefully she's still working at the customer services / complaints department. Prelim letter posted off today so I'll just sit back and wait til the 21st May before sending off the LBA - not really anticipating I get a nice letter back saying "of course we were in the wrong, Please find a nice big fat cheque enclosed and we're sorry for your inconvenience".

Is it a bit presumptious to have already printed off the LBA? Maybe not!

 

Stay tuned for more developments.

[Stubbs]

Well, I have received a reply from the Cooperative Bank Customer Services telling me they are disappointed that their service has not met my expectations blah blah blah... that they will look into it at their earliest convenience, and will get back to me in 4 weeks time.

Of course they will, and in the mean time, I'll be sending them a copy of my LBA with the 14 days notice when I get home this evening!

However, it is nice to see they didn't wait for the full 14 days to expire before replying to my prelim letter unlike Lloyds!

 

Stubbs

[Stubbs]

LBA has been posted today... will be looking to file my claim with MCOL on the 4th June.

Watch this space...

[Stubbs]

Well, it's now the 5th and still no lovely nice cheque from the Co-operative Bank... what a surprise. Therefore, I get to file another claim with MCOL for the full £260 plus interest... a whopping £340! However, seeing as I'm eying up a new home cinema system, this'll do nicely thank you very much - minus the 5% donation to this site of course .

 

Stay tuned for the next chapter in Stubbs Vs The Cooperative Bank

[Stubbs]

Claim filed on Friday - Saturday morning I received another letter from the Coop. Basically they've told me they need another 4 weeks to investigate my claim. Oh well, they'll have to explain that to the court when they receive the papers in the post (hopefully some time this week).

 

Stubbs .oO(I wonder if anyone's actually reading this )

[jubaxt]

4 weeks 4 weeks 4 weeks-are their employees robotic-its the only phrase they use.lol

 

spoken with them on the phone today-my lba was sent on 22nd of may-we've got 4 weeks they replied-she must have said '4 weeks' at least 12 times during our conversation-ah well just completeing n1 to drop in this pm-only £136.50 but £ 3 in interest and now they have £30 in court fees to cough up!!

[Stubbs]

Hi Jubaxt,

I know what you mean... Yes they have 4 weeks to investigate (2 weeks from Initial Letter and 2 weeks from LBA) but last week was the end of those 4 weeks, and they needed a further 4 weeks!?!?! Tough luck, now I've filed the claim with MCOL, they've now got to pay the additional £100 in interest, and the £50 for the court fees... shame that

Good luck with your action.

[Stubbs]

Well... I've now received a statement from the courts telling me that The Cooperative Bank are defending the claim and so on.

Not the best news I've had recently - why can't they be as forthcoming as MBNA? They settled in full without any problems.

Oh well, guess I'm going to have to wait another 4 weeks before they cough up... I wouldn't mind, but it's only for £340 plus costs!

[Stubbs]

Well... latest update:

I've received a response from Northampton County Court saying that the Cooperative Bank have paid the disputed amount by Cheque. Unfortunately I've not yet received the aforementioned cheque, so each morning I eagerly await the postman, like a child on his birthday!

Anyway, as soon as I received the reimbursement I shall inform Northampton Court that payment has been received and that I shall not be continuing with my claim.

Stay tuned!