@coopbankuk_help Co op unpaid item fee

[Ilikecake]

Hope someone cane help with this please:-

My partner just got charged £15 by Co op, because Talk Talk tried to take some money out, there wasn't enough, so he got slapped with an unpaid item fee. Now he had already paid last month's Talk Talk bill, and they dipped in a second time to take some money out, they said, because of the bank holiday, which isn't until next week, so I know, we have an issue with Talk Talk that we must take up, but can I legally request that Co op refund my partner the charges? Would I need to follow the usual route of writing them a letter, then if that's no good, taking it to the ombudsman, or is this different? Any help greatly appreciated, thanks.

[BRIGADIER2JCS]

You need to check TTs terms and conditions on payments

if the due date fall on a weekend most contracts will specify

that the payment will be taken on the nearest working day

after the due date,.

Checked mine for this info.

[Ilikecake]

Thankyou. The due date would be the 5th April, this Thursday, so that isn't an issue here.

[BRIGADIER2JCS]

I suggest that you make formal complaints to

the Co Op and to TT it is unreasonable to take

a payment so much earlier than the due date.

[Ilikecake]

Thank you for your reply, I will. If the co op refuse after the first letter, what's the general procedure with a bank, does anyone know? Is is worth chasing it? To be honest, they shouldn't be allowing companies to take unchecked payments out of bank a/cs, esp. if they see that the company has already taken payment that month...?? Would there be something about this in the DD agreement??

[BRIGADIER2JCS]

The fact is it is all automated yes take a read of the DD ''guarantee''

[ForumFodder]

The error is nothing to do with the Co-op.

 

The originator (Talk Talk) have requested the money. The Co-op tried and failed to make the payment for you. The issue lies with Talk Talk. If there's a dispute, ring Talk Talk, tell them you've been charged by your bank and they must refund the charge. If Talk Talk are at fault, they should do it.

 

If they won't and they're not at fault (i.e. they notified you of a change to the payment date) then Co-op only has to offer a gesture of goodwill refund. If your account has been running fine and/or you've had no previous refunds, they should offer half if not all of the charges back.