Phil and Alison v The Co-op ***WON***

[phatram]

Has anyone managed to get more than 6 years ststements etc from the Co-op?

We have today requested all info from start of the account in the early 80's to Sept 2000 after receiving info Sept 2000 to now in our original SAR.

We have informed Co-op that the Information Commissioner has stated that as the account is "live" they must supply all info they hold.

We have given them a further 14 days to comply with this request before legal action, due to the fact they didn't comply within the 40 days last time.

Wake up Co-op and send us OUR info !!! or WE WILL SUE YOU !!

[phatram]

Anyone ???

[livelylad]

Has anyone managed to get more than 6 years ststements etc from the Co-op?

We have today requested all info from start of the account in the early 80's to Sept 2000 after receiving info Sept 2000 to now in our original S.A.R - (Subject Access Request).

We have informed Co-op that the Information Commissioner has stated that as the account is "live" they must supply all info they hold.

We have given them a further 14 days to comply with this request before legal action, due to the fact they didn't comply within the 40 days last time.

Wake up Co-op and send us OUR info !!! or WE WILL SUE YOU !!

 

I am not sure on their policy but I believe that most banks hold 10 years. I got 15 years from RBS.

[phatram]

LBA posted today.

[phatram]

LBA delivered and signed for.

We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

[phatram]

We have a little problem.

On the 2nd of Jan the Co-op put £3910.50 into our bank account under the heading of ADJ COMMISSION. We have had no written correspondence from them at all even though in Dec they charged us £60 for whatever reason.

The date for us to file MCOL is fast approaching and we are a little stuck as to what to do now. Any help gratefully received.

[dx100uk]

write to them telling/accepting it as a partial payment only but keep the MCOL running and tell them that too.

 

dx100uk:|

[phatram]

We have now received another years statements, so what do we do now?

[phatram]

Should we do a new list of charges including whats on the new statements and give them another 14 days before filing MCOL?

[dx100uk]

ok well i think one thing you need to do is take a deep breath & get your heads together here.

sadly, with your posts being spread around several threads [& i note a moderator has already done some work to ammend this] it is very difficult to assertain if what you are posting DOES actually relate to your co-op claim. but p'haps with all the other claims going on your way it can be excused.

 

so, are you indicating that you sent a claim into the co-op which did not cover the whole of the six-year period you could recover?

 

what you can claim is not going to go away into thin air, you need [and i say it again] to take a step back, gather your thoughts, and do it properly & carefully then it will not make us & yourselves look a little silly when payback for them does comes around.

 

dx100uk

 

dx100uk

[phatram]

Hi dx,

i did ask for this thread to be closed etc but its still here and as this is us v coop i thought it best to put my questions here as opposed to the 1 headed SAR.

Thanks for your reply but it doesn't really help us.

Ininitally we received the last 6 years' statements and we completed our LBA for non-compliance of SAR (incomplete SAR & late receipt). We then sent our prelim for these 6 years. A couple of days later we receved statements for another year with charges etc. We believe that due to deliberate concealment under section 32 of the Limitations Act we can claim these back too. All we need to know is should we do a new LBA with a new schedule of charges (incl the new year), minus monies they have already paid us? Or do we stick with the last 6 years only, sending in a further claim at a later date? We are demanding all statements back to 1983.

hope you can help

Phatram

[dx100uk]

ok well.

you go back to my starting period with them too! 1982!

right AFAIK you can only claim back 6yrs, [i asked this at the beginning of my thread if you look there]

there is a bit in the FAQ section highlighted to me about this too.

 

so i think you need to do nothing/dont change your plans

i think everyone would like it to go back to the year dot, but i dont think it ever will happen

 

watching your MBNA thread also as ive got one of those too!

 

dx100uk:)

[phatram]

You CAN claim back more than 6 years !

" If there has been deliberate concealment of the true cost" which there has.

i dont think you have been doing enough reading on this site.

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/56083-rbs-claiming-six-years.html?highlight=statute+of+limitations

[phatram]

bump

[phatram]

We have now received another years statements, so what do we do now?

Should we do a new list of charges including whats on the new statements and give them another 14 days before filing MCOL?

Advice needed please, from someone who knows.

[phatram]

We have now received another years statements, so what do we do now?

Should we do a new list of charges including whats on the new statements and give them another 14 days before filing MCOL?

Advice needed please, from someone who knows.

[Welshman]

We have now received another years statements, so what do we do now?

Should we do a new list of charges including whats on the new statements and give them another 14 days before filing MCOL?

Advice needed please, from someone who knows.

 

Provided it's still within the last six years, amend your Schedule of Charges with the new charges and, if the difference is significant, I suggest that you send the amended copy to them with a short covering letter telling them that you've amended the totals and that you enclose an updated copy (without the interest showing) for their information and ask that they add it to your file. Remind tham in the same letter that the clock is still ticking.

 

Do not extend the 14 days for them. Stick to your timetable. You can amend your claim for free at any time up to filing at MCOL but if any amendments are made after that, it will cost a non-refundable £35 and will delay your Claim. You have to decide in that case whether it's worth it at that point.

[phatram]

Its not in last 6 years, but we are too close to filing Mcol now to amend claim.

We will do another claim at a later date using the section 32 concealment of true costs arguement, which allows us to make such a claim.

[phatram]

Mcol will be filed on Monday.

We have sent letter accepting £3910 as part payment.

We still have not received any correspondence from the Co-op about the refund we have been given !!!

[phatram]

Mcol day.

As its a joint account, do we have to claim as mr and mrs or can just one of us claim?

[phatram]

Hi,

Mrs Phatram here,

Completing my Court Claim form N1 for my fight with COOP I know I've read somewhere that there are about 6 extra lines which must be included if I am claiming Compound Contractual Interest (this stops me from completing the MCOL) and can't for the life of me find the relevant info!

I would appreciate any swift advice!

Thanks

[phatram]

Anyone ?

We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

[dx100uk]

its in the 'why is no-one claiming contractual interest' thread

thats the best i can do

if i can find it latter i will

 

dx100uk

[phatram]

Do we still put in court costs even if we are exempt from paying them ?

[phatram]

Update.

Court claim filed Monday 22/01/07, waiting for info from court.(they did say they were very busy with bank charge claims ) !!!

26/01/07 Another £1378 paid in to our account by Coop, but still no letters from them.

Do we have to notify the court about this money?