CO-OP Bank

[salthorse]

Hi,

I sent letters 1 & 2 received this today, letter 3 outbound tomorrow, with 3 for Northern Rock.

For info Val McCarren is head of this department.

Debt Management
The Co-operative Bank plc
1 Balloon Street
PO Box 101
Manchester
M60 4EP

Dear Strawman,

Account - Blah

Thank you for your letter dated 28 Aug 2010 (letter No.2.)

I am sorry that you have been disappointed with the service you have received from The Co-operative Bank.

I have reviewed your account taking into consideration the points raised in your letter and I would like to advise you as follows.

Your letter suggests that the Bank is required to provide three seperate documents before you recognise the financial obligation in favour of the Bank. Unfortunately you appear to be quoting US Legislation which is not applicable in this country.

It is of course reasonable that the Bank should demonstrate that you have entered into a contractual agreement and this can be demonstrated by sending you a copy of the signed agreement.

I enclose a copy of your Agreement Form which contains key information required by the Consumer Credit Act. If you fail to make payments in line with the Agreement, we will arrange for the Bank's debt recovery procedures to be applied. Please bear in mind that missed payments under the Agreement, any arrears or final demands for payment will be recorded on your credit file.

I trust that my response has addressed your concerns and has clarified the Bank's posiiton.

Thank you for taking the time and trouble to bring this matter to our attention.

Yours sincerely

Hand signed

Joanne Boardman
Customer Service Advisor

Copy of Consumer Credit Agreement signed

1. I never mentioned US law!
2.Contractual agreement - shurley shum mishtake - no contract has been signed Madame, it's only an agreement!
3. Threats, debt procedures and credit file markings - oh I'm quaking in ma boots!
4. Enclosed is a barely legible photostat of a make believe agreement with several bits missing, no payment schedule, no limit or interest details , will try and upload tomorrow - I'm laughing as none of the dates are actually in their boxes and my details are missing from the Ex's additional holders declaration too!
5. Their piece is very poor and not completed either in totality!
6. Letter 3 has been lined up and will go in the morning!

I'm laughing as I type, these people are so unprofessional and her grammar is poor, not that my England is any good

See you on the Beach

Salty

[lambchop]

They seem to use this US thing a lot what they fail to see is that we gave them it in the first place


std bull

[Digthearth]

Hey Salthorse. I have just invoiced the COOP bank for just over £1m! This is after my tacit was in place with fee schedule, and them selling the debt to Red Castle Recoveries. I wrote one letter to Red Castle and got a nice letter, send 1st class recorded!, saying my account is now closed and all further enquires should be sent to the COOP bank. The bank is yet again pursuing me and the last letter was I recieved is identical to the one you have posted, apart from no mention of a 'contract' (as they have never been able to provide me with one). You're right, it is laughable when they try the 'US legislation' stunt

If you would like a copy of the letter I sent to Red Castle i'm ok to share it with you as it's in the form of a Notice of Conditional Acceptance, but with all the info provided on getoutofdebtfree website and a few other bits.

I'll let you kow how things proceed on this thread of yours.

Nice work.

[BLT]

Yes if in doubt they seem to mention this notion of it being a US law

Yes they say its not a contract its an agreement, so dont bother asking for a countersigned contract etc. but then try & make out you are contractually obliged to fulfill what you alledgedly agreed to

[salthorse]

Hi,

3rd letters resent to Co-op and MINT CEOs this time and will chose the more expensive option, once these are delivered then I have my Tacits for 5 out of 6 Companies. I'm waiting for Northern Rock to reach the 10 day point or reply to my 3rd letter, I can't be certain that they received 1 and 2, so will give them a few more days, nice chap eh! Then I'll hit the Northern Rock CEO next week with copies of 1 & 2 as well as 3!

I'm enjoying this so much, I'm positively smiling.

Have a good weekend and may it be peaceful......

See you on the beach

Salty

[ceylon]

thats what its about having fun lol

[Digthearth]

Just to keep you up to date with Cooperatives bank attempts. They tried calling me several times, obviously to no avail. I have now been texted on my land line and had several witheld calls on my mobile. It turns out they have passed the debt onto "bigger" bully boys. From the phone number they left on my landline I have found out who they are....http://www.fredricksoninternational.co.uk/ and they are linked to some one called Bryan "oh so very nasty" Carter. There's not much good to be said about either! I shall be starting a thread on the Debt Collectors section. Bring em on!

[salthorse]

Hi All,

The full process was followed debt sold on to DCA - dispatched in 1 letter then this arrived today - enjoy!

Dear Mr Stawman

ACCOUNT NUMBER:

Thank you for your letter/invoice of 15 January 2011, which was received in Customer Feedback on 21 February 2011.

Having reviewed our file, I note that no additional issues or concerns have been raised which have not already been responded to. Our final response was sent on 19 October 2010 and our decision remains unchanged.

I respectfully refer you to a press release by The Office of Fair Trading (OFT) which states:

‘If the lender fails to provide the requested information the agreement becomes ‘unenforceable’ which means the lender cannot get a court judgement against the borrower, take back hired items or items bought on credit, or take anything used as security (like a car) when the agreement was made.

However, the guide warns that, even if a credit or hire agreement becomes ‘unenforceable’ , consumers would still owe any outstanding money to the lender, interest could be added to their loan or hire agreement, default charges could be made, and any failure to pay could impact on their credit record. The guide also explains that the debt is enforceable again as soon as the lender provides this information’.

Ray Watson, Director of the OFT’s Consumer Credit Group, said:

‘Consumers have a right to information on debts they owe, but it is important that they realise that these sections of the Act cannot be used to write off legitimately owed debts (sections 77/78/79 of the CA 1974)'.

‘Although the debt can be classified as unenforceable until the right paperwork is provided, people are encouraged to seek advice and help on how they can continue to repay the money they owe. Consumers can get free advice on debt by contacting Citizens Advice or the CCCS’.

In conclusion, I can confirm that we do not consider the account to be in legal dispute and that you remain liable for the debt.

Any further correspondence received regarding these matters will, therefore, be held on file without response.

As you will be aware, you may refer the matter to the Financial Ombudsman Service within six months from the date of our final letter. If you chose to do this, we will of course provide every assistance with any investigation they may undertake.

Yours sincerely

Wet Signature

Kathryn Wilson
Executive Feedback Consultan

Seems like they've been beaten and still insist that there is no legal dispute - on the contrary my dear - you'll not have a penny from me.

Hunker down for 6 years now and bat them off when they return as many of you have previously stated. My credit file could be affected - who gives a damn?

No fear - so they admit the debt is unenforceable - check mate

See you on the beach

Salty

[jonnythrombosis]

hello everyone!
i am just about to do the 3 letters on the coop bank for a loan & an overdraft - does anyone have to hand the name of the current CEO & should i wait until they contact me over defaulting or should i proceed before i get any correspondence from them - the shit will hit on the last day of the month when my overdraft expires & my loan payment is due - any advice will be much appreciated!

also today i just got a letter from TV licensing saying that they will be leaving me alone based on my letter - so one victory won many more battles to fight to win the war though

cheers! jonny t

[ceylon]

up to you which ever way you want to go if you wait you will know where to send them or send them now to the ceo