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LyncusBee Vs the UnCooperative.. no really they have been


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This all started after £65 of penalty charges were applied to my savings account in quick succession, one £25 triggering another £15 for being a further detriment into the red etc. In their literature they quote a £10 buffer zone and my original deficit was under that; lo and behold that didn't apply because it was a savings account not a current account, and further it didn't apply to my current account because I had an overdraft!

 

So I told them I was going to reclaim my charges and that I wished to close my account, they told me I would have to pay off the overlimit to avoid any further charges and it was not possible to stop further charges until I did so. Two days and two long arguments later I demanded a freeze be applied to my account to futher stop charges, else they would be holding me to a ransom of debt, after intimating to put a freeze or '88 marker' on all my accounts (my current account had caught a £35 for a £2 deficit because of the no buffer zone!) I argued that that was unreasonable as I could deal with the £35 (though I was contesting that accounts charges anyway?!) and it was the £65 that was the problem. So it was left at that with me saying I would bring the current account back to order. I posted my bank charges preminary off that day.

 

For the next 5 days their collections department rang me up asking how I was going to pay my debts up to twice daily on my mobile and landline even saturday and sunday until on the sunday I told them to deal in writing only as they were harrassing me . Yesterday I went and paid off my debt on the current account to shut them up. Today I got a letter saying that they had withdrawn my banking services (debit card, cheque book etc) on my current account. Now there was no reason for this whatsoever I had operated the account without charges for months and even reducing my overdraft by £40 each month without fail.

 

So today I rang and registered a verbal complaint and recorded the call, unbeleivably the woman actually read the account notes back to me saying that I had agreed to pay off the debts at the nearest opportunity just before the harassment began. Why the current account has been frozen is a mystery. So now I write a complaint letter about their punitive actions and harassment.

 

I really do hope that nothing happens to stop people claiming charges befor september because I have at least 6 odd weeks before I could claim this back and they really really deserve it this time... The ethical bank eh? If ethical only applies to how you spend your profits not to how you attain them!!

 

I am so disgusted with their behaviour that I want to just tear up all my cards with them but I am afraid that that would lead to them retracting my overdrafts and credit card demanding all of it back at once, which I fail to see how thay can say "We need 28 days to look into your complaints" but carry on acting punitively in the meanwhile?

 

Any advice would be a comfort... I am hoping to see a free solicitor tomorrow to see where I stand if they carry on like this.:evil:

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Looks like I now know why they were so harassing to get there charges monies back, they know I won't be seeing it for a few years!

 

If the Co-operative are not however part of this agreement with the OFT, can they still apply for a stay in court? I presume the FSA waiver of processing complaints over charges applies by default as they are a bank? Any clarity on banks that are not part of the OFT agreement and stay applications to courts?

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Okay, you've sent the prelim letter. Wait 14 days and then send LBA. However, do you have any charges (penalties for going overdrawn etc) within your banking history with them? It might be worth sending off a SAR if you have not already done so and then claiming the lot. You can ask for the £10 fee back as well.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.htmlThis will help you. Don't worry about the test case at the moment. I read earlier that if individual courts pend cases we can appeal against that decision. Just keep going, 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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