This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Did you get any letters though, saying something along the lines of "we'll respond within the next 6 weeks"?

Woo! Good news for you! I'm annoyed though at the same time, as to why my claim is taking so long : ( I sent my first approach letter, detailing my claim, schedule AND copies of statements on 13th July i.e before you opalfruits. I've had three letters saying they are looking into, and the last one said it would take up to 6 weeks. Did you get a letter like that opalfruits? Is it worth me ringing them and saying something along the lines of "other people who started after me have had their refunds. Harumph."

Hello! I'm in the (slow) process of claiming back fees from the co-operative, so I thought I have a go with the one storecard I have. I'm sure it's not much I've paid in fees, but hey, it's worth a go, eh? I have one question though. Are people using the same SAR letter template that's used for the banks? Thanks!

I received 2 "we'll respond in 7 days" type letters, and then last week, one saying that it'll take 6 weeks. The thing is, what exactly are they going through? I provided them with a schedule of charges, along with copies of statements. I should really send off the LBA and give another 14 days to respond, but it looks like the co-op really are taking 6 weeks to sort it. I can't afford to put a moneyclaim in anyway : ( I guess I'm just going to have to wait the six weeks...

Harumph. I sent my first letter outlining the fees I was requesting back, along with a schedule, and copies of statements back on the 13th July. I recieved one letter saying I'd get a response within 7 days. Then another letter saying "sorry we haven't sorted it, but we'll definately sort it in the next seven days" and then yesterday I got ANOTHER letter saying it'll take them SIX WEEKS to investigate! What's to investigate? I've given them all the statements etc. I should just get the LBA sent off, eh? Looks like the co-op are starting to drag... Bah!

I got another letter on saturday saying something along the lines of "sorry, we said we'd respond in 7 days, but we haven't. We'll deffo respond in the next seven days. Honest" Or something. No skin off my nose. My LBA is going in the post tomorrow, and they can take up to 14 days to sort it out! Any news nellio? I got my chocolate bar though!

Remember as well that baliffs work mostly through fear and intimidation, and just want to frighten people into paying up. This will invariably mean empty threats. I've been told dozens of time by Equita that they are sending someone round, and they have never turned up, and I'm sure many people would say the same. It might not be too much comfort, but please don't let them scare you. You are doing the best you can to pay off the debt, and I'm sure all Equita are doing are trying to scare more money out of you. I'd be very surprised if they did turn up. Good luck!

Surely there must be someway of proving you are a victim of identify theft? After all, it's hardly a rare occurence these days is it? Do you have any sort of proof to show Littlewoods when you moved out of your old address?

I don't know about the letter, but I never got a chocolate bar, and I'm a Priviledge customer. Harumph! Actually, having thought about it, is the above letter going to make much difference. IT not as if you threaten anything, is it, it's just telling them how cross you are, innit? Sorry! That's not v helfpul, eh?

Me again.... The 14 days from my prelim letter are almost up, and its time to start drafting my LBA QUESTION: should I address it to the same person (Ms Burgess) that I sent my prelim letter too? I'm only asking because I got a letter signed by Sharon Rankin saying that they would be in touch to address the issue in 7 days (this deadline has passed btw) Whaddya think?

Is anyone following my thread/case? Has anyone heard of Sharon Rankin or dealt with her?

if anyone's interested... I got a letter on Saturday, dated the 19th of July with mostly a standard response of "we're sorry you aren't happy etc etc but we will contact you again to reply specifically to your letter, within the next 7 days. We will try to phone you, but if we cannot reach you will write to you" signed by Sharon Rankin. I have a couple of "number witheld" calls on my mobile which I've missed, so I'm guessing it was the co-op...is it worth me trying to speak to Sharon Rankin, or is it best to leave everything to letters? Has anyone else heard from Ms Rankin?

Have a look at the smile part of the co-operative bank forum...there are lots of encouraging stories, and smile seem to refunding people the quickest, and with minimal hassle.

It's best to read the FAQ's before making any posts, as they pretty much have all the info you need, but yes, you can still claim on closed accounts.

Spoke to customer services last night about another issue, but also asked if they had recieved my first approach letter requesting a refund, and detailing charges. I spoke to a v helpful person who confirmed they had received it on the 17th, and it was being dealt with by "team 4" (or something) and that I should expect something soon. When I pressed the guy on what "something" was he got a bit flustered, almost in a "I've let the cat out of the bag" way, so fingers crossed, they'll be a refund coming my way soon. If it's just a response letter, well, that's better than nothing. The 14 days is up this time next week btw. Watch this space, innit!

Hmm..that's all very interesting. The thing is though, when I requested the new cheque book, I was overdrawn at the time. I may have requested cheque books in the past when I was overdrawn, but still within my od limit, if you see what I mean. I am also on a reducing overdraft, and yeah, I've had a few slip ups, but I am doing my best to operate my account sensibly. I might call them back and mention a few words like "closing account" or "financial ombudsman"

So you wrote to them on the 17th, and have already had a written reply? Crikey! That's good going, even if it is just a "standard" reply. I put a claim in on my co-op account, last thursday, but I haven't heard anything yet...

Hello all, I requested a new cheque book a couple of days ago, and when I chased it up, I've been told by Customer Services that my request has been declined, due to me having a few bounced cheques in the last month. This was literally 2, and I don't have a history of bouncing cheques or anything. Can they just withdraw this facility without giving me any warning? Any top tips on how I get this decision changed? I use cheques quite a bit for one thing or another, so it is a facilitiy I need. I've got a Priviledge account too, so I'm actually paying to have a co-operative account *rolls eyes at self* Oh, and incidentally, I've put in a request for nearly £600 of charges to be refunded....these two incidents wouldn't be related, would they?

Crikey! Two weeks? That's pretty good, and very encouraging! I'm awaiting a response from the co-ope myself from a letter I sent them last week.

That's good news Princess Jane. How long did it take from the 2nd letter you sent, to actually getting the money refunded?

Yeah! Well done indeed. Could you let us know how long it took to get your money refunded, from the date of your initial approach. It can be very interesting/encouraging for other posters!

Hmm...I requested a new cheque book last thursday (the day after I sent in my first letter requesting a refund of charges) and I haven't heard anything yet, when in the past, it's been almost immediate. Doesn't look very promising, eh? I'm a priviledge account holder, so really I'm paying a premium to get things like a cheque book anyway. I'll give it another day or so, but anyone got any top tips on how I should approach this?

That's a good point well made about how you manage your account afterwards. Looking back through my statements though, it seems like the charges come in clusters i.e one charge has had a tendency to f**k up my budgeting and then lead to more and more of a mess. Really, if charges were fairer, it would be so much easier to manage my finances. Anyway...fingers crossed innit!