Pompeyfaith v Co-op PPI

[pompeyfaith]

Jonny thanks for that although im not sure if it applies because although many of the agreements ive had with the co-op bank are un-enforceable the current one is.

 

The reason the account is in dispute is because i have an ongoing PPI claim that is in the hands of the FOS and as my claim is for some £20,700 and the current Loan is £6,500 they can swing.

 

Regards

 

Pompeyfaith

[pompeyfaith]

Today i recieved in a pretty bright yellow envelope with scruffy writing a card from the co-op bank saying that someone from POWER 2 CONTACT LOL HEHE will visit my home address

 

Unbelieveable

 

Im livid time to give them a call

 

Regards

 

Pompeyfaith

[johnnymitch]

Jonny thanks for that although im not sure if it applies because although many of the agreements ive had with the co-op bank are un-enforceable the current one is.

 

The reason the account is in dispute is because i have an ongoing PPI claim that is in the hands of the FOS and as my claim is for some £20,700 and the current Loan is £6,500 they can swing.

 

Regards

 

Pompeyfaith

 

Sorry PF - I didn't mean to leave that bit in about the unenforceable agreement - that was part of the original letter .... but there are many other reasons for an account being 'In Dispute ' and I thought maybe your situation was one of them... therefore these criteria would still apply...

[pompeyfaith]

Ok I've just had a heated chat with someone from the collections department at the Co-op bank and i cant believe that the right arm does not talk to the left as he says that they have no record of any of my letters sent to them when i sent them to the same post code.

 

All he went over and over was the fact my current account is £180 over the agreed overdraft and my answer was always well if you take the £380 in unfair charges of that my balance would be within my agreed overdraft lol

 

I also stated the account is in dispute because of this and it states on your website the following:

 

As previously agreed with the FSA and the Financial Ombudsman Service, customer complaints relating to unarranged overdraft charges will currently remain on hold. The Banks and the building society will continue to ask County and Sheriff Courts to keep cases relating to unarranged overdraft charges on hold until the test case process is concluded.

 

Having a cup of tea now to calm my nerves he rang at the right time as i was livid anyway due to a pretty yellow envelope arriving though the door this morning with a calling card inside.

 

The war has started and it aint gona finish until ive won any other Creditors wana ring while im in the mood lol.

[pompeyfaith]

Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

[pinknico]

Fantastic news PF!! I hope this is resolved very soon. And I hope the idiots harrassing you get their come uppance.

(idiots was a safe word to use or I could be in trouble if I put what I really meant;))

[pompeyfaith]

Thank you pinknico,

 

I too am hoping for some good news to come though the door for a change top dollar to the OFT.

 

Regards

 

Pompeyfaith

[alanalana]

Hello PF,

 

Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

 

Great bit of news. You are on your way. Adjudicators are pretty helpful just got to make sure they have the full story. Medical conditions are something these banks do not take into consideration. To them it is all electronic.

 

DD not paid......charge

Unpaid cheque..........charge

Unauthorised overdraft..............Charge.

 

How about this for an eye opener.

 

My dad 86 blind and partially deaf decided to give cash gifts for Christmas.

Now he has two accounts with a bank a savings account with cash in and a current account with a little cash in to cover direct debits like coucil tax.

 

So my dad writes cheques on his current account to the family and yes insufficiant funds in that account to cover the cheques but he was aware he had funds in the bank to pay the cash.

 

So the bank do the following and I understand it is all electronic and they will look at the particular account and not compare with other accounts held by the same person.

 

Account 1 with limited funds

the cheque for £500.00 an unathorised overdraft is put into force letter sent out

Cost of letter £35.00

Cost of unauthorised overdraft £28.00

 

Account 1 with limited funds Cheque for £1,000 cheque is referred to drawer cost of letter £35.00

so for a genuine mistake for a blind deaf man aged 86 on pension the cost was going to be £98.00 when he had funds in account 2 savings which easily covered this.

 

I saw the bank staff and the charges were withdrawn cash transferred to cover the cheques and it was sorted withinh 30 mins thanks to understanding staff.

 

Point is how much of this is going on where people are not standing up or getting help.

 

The electronic system does not work as can be seen from the forums on CAG

 

aa

[pompeyfaith]

Hiya Alan thanks for dropping by that is unbelievable in the real world glad u got it sorted for him also fantastic that your complaints are going well.

 

Regards

 

Pompeyfaith

Edited January 9, 2009 by pompeyfaith

[pompeyfaith]

Had a peaceful day today no letters though the post or Phone calls very strange they usually Phone every day.

 

Regards

 

Pompeyfaith

[marshallka]

Update

 

Hiya All,

 

Still getting letters another one arrived though the post this morning, so i decided to telephone the FOS they said they cannot get involved in cases of harassment that they are investigating but because of my medical condition they will fast track my ppi complaint.

 

They also advised that i call the OFT regarding harassment.

 

No within an hours i got an email from the FOS saying my complaint has now been past to an adjudicator.

 

I phoned the OFT and got straight though and outlined my complaint i have going with the FOS and that they advise that i contact you regarding the harassment.

 

Very nice polite chap he was he said because of the fact i have a medical condition inc hypertension and that i had been to see my GP this morning who put me on Ramipril 2.5 mg to bring my blood pressure down he will investigate this complaint with urgency and pass it on also to my local trading standards agency also.

 

Things are now looking up.

 

Regards

 

Pompeyfaith

So pleased for you Pompeyfaith. Its such good news...

 

I also have hypertension. Its amazing how much these things affect us. I have had another eye bleed this weekend. Try to let the adjudicator deal with it now and take a breather. Its not worth your life.

[pompeyfaith]

Hiya Marshallka

 

Thanks for dropping by and your words of encouragement as you can see i did as you said on the moneysavingexpert site.

 

I also went to see my doctor who gave me some ramipril 2.5 mg tabs which i must say are good i feel a lot more relaxed now must of been the high blood pressure.

 

Im glad i got those as im due in court on the 15th of this month re: MBNA

do not worry though i have that in order as they have no original agreement and the default they served is un-enforceable plus the judge turned down Optimas n244 for summery judgement.

 

The OFT are investigating my complaint of harrassment and also letting my local trading standards know.

 

As for my Complaint regarding PPI that is with the FOS they are now fast tracking it due to my medical history thanks for that tip.

 

Regards

 

Pompeyfaith

[marshallka]

Hiya Marshallka

 

Thanks for dropping by and your words of encouragement as you can see i did as you said on the moneysavingexpert site.

 

I also went to see my doctor who gave me some ramipril 2.5 mg tabs which i must say are good i feel a lot more relaxed now must of been the high blood pressure.

 

Im glad i got those as im due in court on the 15th of this month re: MBNA

do not worry though i have that in order as they have no original agreement and the default they served is un-enforceable plus the judge turned down Optimas n244 for summery judgement.

 

The OFT are investigating my complaint of harrassment and also letting my local trading standards know.

 

As for my Complaint regarding PPI that is with the FOS they are now fast tracking it due to my medical history thanks for that tip.

 

Regards

 

Pompeyfaith

I am just relieved that they have fast tracked this for you. Your body is asking you to relax and take it easy me thinks so try to listen. Any help we can give we will pompey. I am always over the road.

[johnnymitch]

So glad things are moving for you pompey...... hope you can get some peace now ....

[pompeyfaith]

Yes i will be glad to see the back of this claim its been dragging on now since July 08 anyway i have told my wife if we are successful i will treat her to a weekend away somewhere before i start my next battle with Halifax.

 

Thank you both for dropping by it really is comfort knowing there are good people out there.

 

Regards

 

Pompeyfaith

[pompeyfaith]

UPDATE

 

Hiya All

 

I thought it was to good to be true lol, had another threat letter today and they have decided to start emailing me and the wife not sure where they got the email addresses from because i did not give them out to the bank ?

 

I also sent on friday all the letters i have sent to the bank because they said they have not recieved any mail from me ( load of bull) i sent them via special delivery cost me £5.05:mad: but worth it i think they signed for it today so at least i know they got there.

 

Still got a call this evening though will they not give up. I think i will now reply to there email then print it off.

 

Regards

 

Pompeyfaith

Edited January 12, 2009 by pompeyfaith

[pompeyfaith]

Good with money - to help cut our CO2 emissions we've built the UK's largest solar power installation. The Co-operative Tower in Manchester is clad

with over 7,000 solar panels capable of saving 78 tonnes of Co2 each year - that is enough to fill over 5 million party balloons

 

Is this to ofset all the junk mail they send out every year lol

[hellhasnofury]

UPDATE

 

Hiya All

 

I thought it was to good to be true lol, had another threat letter today and they have decided to start emailing me and the wife not sure where they got the email addresses from because i did not give them out to the bank ?

 

I also sent on friday all the letters i have sent to the bank because they said they have not recieved any mail from me ( load of bull) i sent them via special delivery cost me £5.05:mad: but worth it i think they signed for it today so at least i know they got there.

 

Still got a call this evening though will they not give up. I think i will now reply to there email then print it off.

 

Regards

 

Pompeyfaith

 

Hello Pompy

 

I would be seriously asking them where they got your email address from????

[johnnymitch]

Just a thought pompey...... if you reply to their e-mail they may take it that you are accepting this method of communication and keep using it ...

[pompeyfaith]

that is a good point but as they already got my e-mail from somewhere they will use it anyway

[johnnymitch]

that is a good point but as they already got my e-mail from somewhere they will use it anyway

 

And as hhnf says - when you write - ask them to explain how they got your e-mail address and who gave them permission to use it .......

[citizenB]

 

How about this for an eye opener.

 

My dad 86 blind and partially deaf decided to give cash gifts for Christmas.

Now he has two accounts with a bank a savings account with cash in and a current account with a little cash in to cover direct debits like coucil tax.

 

So my dad writes cheques on his current account to the family and yes insufficiant funds in that account to cover the cheques but he was aware he had funds in the bank to pay the cash.

 

So the bank do the following and I understand it is all electronic and they will look at the particular account and not compare with other accounts held by the same person.

 

Account 1 with limited funds

the cheque for £500.00 an unathorised overdraft is put into force letter sent out

Cost of letter £35.00

Cost of unauthorised overdraft £28.00

 

Account 1 with limited funds Cheque for £1,000 cheque is referred to drawer cost of letter £35.00

so for a genuine mistake for a blind deaf man aged 86 on pension the cost was going to be £98.00 when he had funds in account 2 savings which easily covered this.

 

I saw the bank staff and the charges were withdrawn cash transferred to cover the cheques and it was sorted withinh 30 mins thanks to understanding staff.

 

Point is how much of this is going on where people are not standing up or getting help.

 

The electronic system does not work as can be seen from the forums on CAG

 

aa

 

This was disgraceful aa.. especially as the banks are not above helping themselves to your cash to offset debt repayments when it suits them. I am pleased you got it sorted out.

 

Pompey, Do you have internet banking? this is where MBNA got my email address from. As a rule I would not have signed up to internet banking for a credit card, however I wanted information regarding a points system MBNA had offered and wanted to swap them for a Tesco Voucher. Even though I never used their system again, they still of course had my email address. I have since marked their email address as SPAM so if they are still sending me emails, I dont get them:D

[pompeyfaith]

Hiya All,

 

Right after giving it a few hours thought, ive decided to blow a big hole in the co-op banks butt and expose them for a change to the sunday times in response to there constant harassment and perhaps get PPI a bit more expossure.

 

They asking for people with medical conditions so i think i qualify there.

[johnnymitch]

Hee -Hee ! They picked on the wrong one when they picked on you Pompey -----

 

Keep us posted on progress please ..... the more publicity this practice gets.. the better it'll be for those who have bee stung!

[pompeyfaith]

They sure have Johnny i don't lay down easy you know and what goes around comes around there just reward for the harassment.

 

Besides i got ****ed off in court today:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/151709-help-15.html

 

Regards

 

Pompeyfaith

 

and you are right the more exposure the better this is a bigger issue than endowments

 

WOW just noticed this post has taken me to Platinum

Edited January 15, 2009 by pompeyfaith