Opalfruits vs Co-op

[opalfruits]

Hi all, this is my very first post.

 

I've just received the S.A.R details which show charges totalling £890 over the last 3 years. I'm absolutely fuming, as most of these relate to a period when my husband was out of work and we kept the Co-op fully informed throughout. We currently have an overdraft of £660 which coincidentally is exactly the amount they have unlawfully charged us in the last year. I've been so lethargic about the whole thing for so long. To make matters worse I'm a debt counsellor for a national charity and am always urging people to stand up to their banks.

 

I'm itching to get going! I've had previous experience of the county court anyway as I took my wedding photographer to court last year (I'm not the luckiest person in the world) so I'm not that bothered about the process.

 

I suppose I just want you all to wish me luck - this is a fantastic site and I actually recommend it to my clients.

[HadEnough]

I'd wish you luck but we don't need it

I'm also glad theirs people like you doing the charity work as i'm using CAB to help me with my probs! so a big thanx to you THANX

[opalfruits]

Thanks, it's really rewarding

 

I love my job, wouldn't change it for the world. I'm a wishy washy, do-gooding liberal and proud of it!!

[opalfruits]

Ha ha, I got a reply to my preliminary letter yesterday - "We're sorry you aren't happy..." - I notice that they're not sorry enough to do anything about it though!

[opalfruits]

LBA sent off this morning as I've heard nowt off them since 3rd August.

[opalfruits]

Done it!! Looked at my account this morning and the refund was just sitting there. I don't think they've even received my LBA yet.

 

Next stop, HSBC.

[mb14uk]

Waheyy...I've just sent my Data Protection Request off to Co-op, myself, so this really gives me hope.

 

MBNA and Citi are going to be tougher nuts to crack though.

[philharrow]

have just sent off a list of charges to the co-op totaling £2572.61, fingers crossed.

Philharrow

[pootle]

Done it!! Looked at my account this morning and the refund was just sitting there. I don't think they've even received my LBA yet.

 

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."

[opalfruits]

Sorry it's taking so long mate. The only thing I can think of is they know where I work as my salary gets paid in by BACS, and they're scared of me!!

[pootle]

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

[opalfruits]

No, I got the 'Sorry you aren't happy and we are investigating' letter which promised that they'd be in touch within 7 days. Then I got the refund. After that I got a letter saying the refund was purely a gesture of good will on their part.

[opalfruits]

If it's been longer than 2 weeks since you sent them either your prelim letter or your LBA then you need to move onto the next step any way - stick to your time frame, not theirs.

[pudding79]

Hello

 

I'm just about to send a letter to Co-op. Just wondering if you could recommend which contact/address to use? - there are so many!

 

Many thanks

 

G