I am a good way down the road to claiming my charges back from Co-Op Visa. I got the Data Protection Act details, worked out how much they owed me (plus interest) sent off the first letter got back an acknowledgement (but no reply) so sent off second letter stating that no reply within 14 days and I would commence action, again acknowledgement letter was recieved.
However this time and on the last day I had given them to reply they have sent me a letter saying "So we can fully investigate your claim for refund I will provide you with a full response within the next six weeks".
Where do I go from here? They have already had over a month from my original letter but will the courts consider it unreasonable to start action before the six weeks elapse? They have given me a name and number to ring them on but I am a bit reluctant to do this as telephone conversations do not seem as good evidence as written exchanges if we go to court.
Has anyone been through this and can they tell me how they got on?
