Wat Tyler v Cooperative Bank

[Wat Tyler]

S.A.R - (Subject Access Request) sent on March 13. Co-Op finally complied last week and sent list of charges applied to the account and notes in the last six years on Friday (May 11). They also cashed my £10 cheque which doesn't seem to have happened to anyone else.

 

The charges and interest on the account appear to be about £3,100. Will be sending preliminary letter tomorrow.

 

Will keep you posted

[Parkvale]

Wat Tyler,

CAG site

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

Good luck with your claim.

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

__________________

[Wat Tyler]

Sorry I've been away for so long.

 

Received my list of charges back after three weeks - £2,335 - and then sent my preliminary letter on May 24.

 

Co-op responded saying it would take four weeks to review my case and then told me it would need another four weeks. I was very busy at the time and didn't get around to sending out the LBA.

 

Then, on July 15, the Co-op paid up - £40 more than I had suggested - and whacked the 8 per cent interest on top without prompting.

 

This is an extract from their July 13 letter:

 

"I can appreciate that you are unhappy with the charges applied to your account. As you are aware, the charges are valid and in line with the terms and conditions of your account. It is the responsibility of the customer to monitor the account and ensure that it is kept within the agreed limits at all times.

 

"After review, I have credited you account with £2,375 and £190.00, which is the 8% interest as agreed by the Financial Ombudsman, as a gesture of goodwill on this occasion only."

 

Thank you so much to this forum and this site for making this possible. I hope that this pain-free result is an inspiration to others.

 

[sallysas]

That we should all be so lucky!!! All the very best. Definately painless. Enjoy your winnings:) Sally

 

 

Don't forget to fill in survey and perhaps make a donation.

[Wat Tyler]

That we should all be so lucky!!! All the very best. Definately painless. Enjoy your winnings:) Sally

 

 

Don't forget to fill in survey and perhaps make a donation.

 

 

Thanks Sally. I made a donation and will fill in the survey later