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

[monopoly23]

£5 each? He's having himself on a bit....

[phatram]

He may be, but he admitted they have ALL our info going back to 1983.

[monopoly23]

Ah but how do you prove that he's said it? Unless you recorded the phonecall.....

[phatram]

They record all of them for training purposes!!!!

[phatram]

Or so they say, when they ring me up.

Must be another lie ??

[mariejader]

I have just read your topic as I also want to make a claim against my loan account, my account is with Nat West, I have already claimed back the charges from them back in January and then I found a loan agreement which clearly states purpose of loan "Consolidation of Bank Debt"

 

Like you have mentioned there does not seem to be much information on how to go about claiming

 

Here is my topic

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/90429-consolidation-bank-debt-loan.html?highlight=debt+management+loan

 

Any suggestions phatram would be appreciated

[phatram]

bump

[phatram]

Hi,

COOP are refusing to pay our claim cos charges are from over 6 years ago.

Has anyone successfully claimed back charges from the COOP that go back further than six years?

Thanks

[Celicaman]

I just received a phone call from DAVID SPENCER at the Co-Op concerning our account.

I asked him how much copy statements are and how far back can I order them from, to which he replied

ALL OF THEM FROM YOUR ACCOUNT OPENING, ITS ARCHIVED!!!.

I am b***dy fuming.

This proves they do not comply and did not comply with our S.A.R - (Subject Access Request).

I am reporting this to the information commissioner.

 

 

Well we know they got them, they just dont want to give us them and will use all sorts of tactics to not give them out.

It will only work if the commisioners get off their collective backsides and order the banks to release ALL of the information. THe odd little fine for non compliance is a drop in the ocean to the banks and worth every penny for the odd one that complains.

 

CM

[Gogivit]

Can I suggest you write to David Spencer and get him to write on paper what he verbally told you as this helps your case in the long term (registered post letter). Good luck with your claim.

[kennythecelt]

Does anyone have david Spencers e mail and direct telephone number.

Once you have that information start a thread getting all CAG members to do the Co-op forum a favour and bombard him. Might be best to make use of the masses on this forum.

He will wriggle with one letter and deny it. Put them under pressure.

And as Celicaman says go to Commissioner with the evidence.

If we were lucky enough to get an admission like that, on the BoS forum, we would come to you.

Give it some thought!! Anything to lose??

Good luck!!

[phatram]

I am writing to him to ask him to confirm it in writing.

Maybe I could call him as a witness in court ?

email could be

david.spencer@cooperativebank.co.uk

[phatram]

10/06/2007

COOPERATIVE BANK

P O BOX 101

1 BALLOON STREET

MANCHESTER

M60 4 EP

ACCOUNT XXXXXX XXXXXXXXXX

Dear Mr Spencer,

On Saturday 2nd June 2007 at approximately 15.50 hours I received a telephone call from yourself concerning the above account.

During our conversation you stated to me that I could have ANY copy statement from the account being opened in 1983 for a fee of £5.00 per copy. Later in the call I asked you to confirm this, which you did.

I would be most grateful if you would now confirm this to me in writing, giving details of how much this will cost. I would be grateful if this information is sent out to me by return of post or within 7 days.

Yours sincerely

Mr X XXXXXXXXX

[groovycaz]

Hi again Phatram and best of luck

wonder if they still have copies of Tems and Conditions from the 1980s, Ive just sent them an SRA requesting a copy, we will see what their reply is!!!GC

[phatram]

Is it possible to do more than one SAR with the same bank?

The COOP have in our opinion not complied but we feel they might wriggle out of it because we only put our joint account number on the SAR.

They hold info on us for credit cards, loans and bank accounts but only supplied the usual 6 years bank statements at first (now got an extra year).

Thanks for any advice

[PPMAN159]

You will probably have to send one SAR per account

[Curlyben]

As far as I'm aware you can only send ONE account specific S.A.R - (Subject Access Request) in a six month period.

Now if this is for a different account then I can't see why not.

You can send one SAR and fee to cover all of your accounts, just list all the numbers at the begining or state various accounts to get everything for your address and name.

 

If you are going for a various then make sure you mention that this should cover all accounts heldby the bank including personal, joint, loan and credit cards.

[phatram]

Can we send one asking for a complete banking history for all our accounts from when we opened the joint account in 1983?

[Curlyben]

Really depends on what your original said.

If you only asked for 6 years and they have supplied then I think your on sticky ground, but if you didn't specify a time then yes.

 

Failing that do they have an internet banking section you can ask.

I had a good response from LTSB's internet banking guys and managed to get 10 years worth of statements fom them.

Took a while, but it was worth it in the end.

[phatram]

Our original SAR was the template on here.

We have since told them we do not believe they have fully complied and today a letter has been delivered giving them 7 days or face court action.

[phatram]

Just spent 34 minutes on the phone and I was told DAVID SPENCER was wrong and we can only have 6 years statements.

SO Co-Op, HOW COME WE HAVE ALREADY HAD 7 YEARS STATEMENTS?

I told them someones lying to me, but they said it's not lying, I was misinformed!!

Ridiculous!!!!!!!!!!!!!!!!!!!!!!!

[phatram]

Hi bong

I'm going to start a new thread, phatram v coop loan.

please subscribe.

thanks

Phil

[phatram]

Now for claiming back the loan interest from the loan which we had to take out to pay off O/D partly made up of unlawful charges.

[phatram]

19/06/07

 

 

HELEN RAFTERY

CASEWORK AND ADVICE MANAGER

INFORMATION COMMISIONER’S OFFICE

WYCLIFFE HOUSE

WATER LANE

WILMSLOW

CHESHIRE

SK9 5AF

 

 

REFERENCE: xxxxxxxxxx

 

 

Dear Ms Raftery

 

Further to my letter of the 10 June 2007, I have today been in contact with the Co-Operative Bank, via the telephone, to Lorraine Stephenson in the Managed Accounts Department. I was told that Mr Spencer “mis-informed” me when he said that I could have copy statements going back to the onset of my account. Ms Stephenson also told me that any information on any of my accounts only goes back 6 years. I know this is untrue as I have already been sent – unwittingly or not – information outside of that 6 year period.

 

I have already received 7 years’ bank statements and copies of loan agreements from 1998 and 1999. Surely this proves that The Co-Operative Bank is lying to me and I would like to know what action you are going to take with regards to this matter.

 

Please find enclosed copies of the aforementioned loan agreements for your perusal.

 

Yours sincerely,

 

 

 

 

 

 

Mr xxx xxxxxxxx

Enc.

[phatram]

Co-op have now fully complied (in their opinion) by providing a full SAR, eg, loans, cards, etc.

Whilst speaking to Lorraine Stephenson on the phone, she informed me that ALL information over 6 years old ''drops off the system''.

This I don't believe because in the info are my wifes credit card statements, which believe it or not, go back to 1999 !!!!

So thats 8 years, is it not?

We feel we have been lied to at every stage since we started this in October.

Why and how are they allowed to get away with this?

They are a disgrace.