Hello

[lingus99]

Just a quick hello to let you all know how I am doing with my claim. I sent of my DPA on the 14th June and got the standard acknowledgement dated the 20th and the cheque cashed on the 21st.

 

I am just waiting now for the 40 days to be up if they feel the need to take that long.

 

On another note, when they cashed the cheque on the 21st that also put me overdrawn so we will see if they include this on their list.

[lingus99]

I have just received a response from my bank well within the 40 days. Having just working through what they have sent me I am shocked to find they have had nearly £2500 from me over the last few years. Didn't realise I was so bad with money.

 

My question now is that I was not sent a schedule of charges, they bank opted to send me the statements for the last six years. Do I send these back to them with the charges highlighted or do I place something else in with the next letter?

 

Any advice appreciated.

[panther12]

They've sent you photocopies of the statements. No need to send these back, just go through all the statements making a note of all the charges they have applied and attach that to your letter. For e.g:

 

Statement: Penalty: Fee:

28/01/06 Overlimit charge £20

25/02/06 Overlimit charge £20

25/02/06 Arrears charge £20

26/03/06 Overlimit charge £20

26/03/06 Arrears charge £20

28/04/06 Overlimit charge £20

26/05/06 Arrears charge £20

28/06/06 Overlimit charge £20

28/06/06 Arrears charge £20

 

Total £180

[lingus99]

Thanks Panther,

 

After posting that last one I did have a look back through the forums and realised my silly question

[lingus99]

I have just phoned the bank this morning as their 7 days for replying was almost up. i have now been told that many people have been making these claims and that the bank has introduced a new policy where they put the claim on hold for 6 weeks while they go through the paperwork and then get back to you with a settlement amount.

 

Does this sound legit or is it just another delaying tactic and i should carry on as planned?

[opalfruits]

I have just phoned the bank this morning as their 7 days for replying was almost up. i have now been told that many people have been making these claims and that the bank has introduced a new policy where they put the claim on hold for 6 weeks while they go through the paperwork and then get back to you with a settlement amount.

 

Does this sound legit or is it just another delaying tactic and i should carry on as planned?

Carry on as planned - stick to your time limits, not theirs. If so many people are claiming then they should get more organised and employ enough staff to deal with all the claims.

[pootle]

I have just phoned the bank this morning as their 7 days for replying was almost up. i have now been told that many people have been making these claims and that the bank has introduced a new policy where they put the claim on hold for 6 weeks while they go through the paperwork and then get back to you with a settlement amount.

 

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...