quick question please

gettingbetter

hello
can i ask
if and when the bank replies to letter 2 and then you go on to letter 3
do i have to rework all the charges with interest up to date or do i just send them copy of last letter. thats not very clear sorry

kas x

Fruit

I thought the coop automatically opened a savings account when you opened a cash minder - at least i seem to recall the girl saying that when we opened ours. May be worth double checking.

Fruit

deedee_3

Nope they don't open a savings account automatically. I opened my Cashminder a year before I went bankrupt and they never even mentioned it.

gettingbetter

hello

have just recieved the standard t&c's letter. so am now going to stage 3 letter. will just have to wait and see.

kas x

fiveyearplan

If you've had a new statement I would update the charges too.

gettingbetter

thanks five year

bank told me they dont deal with peeps like me and closed my accounts
am doing this bascally to say stuff you to them

i sent letter 2 couple of weeks ago and just wanted to know if i should recalculate the interest they are due. i was with them for 38 years and was gutted

kas xx

gettingbetter

ok

have recallculated the interest due. that is letter 3 ready to post this afternoon. do they really make you take them to court. how much are the charges for doing this. i dont have pots of money laying about (which is why i am doing this). total at the moment is £4294.99 :eek:. they have 12 + 2 to respond. that takes us up to the 16th of this month

kas x

gettingbetter

ok got letter this morning they just state that everything is on hold till the OFT decision. they wont even acknowledge the fact the we were/are on benefits
sod them letter 4 will being posted this week
kas x

MollyBear

You're braver than me, we were trying to claim ours back before going BR, to try and raise some cash to pay off debts, we were put on hold for ages.
Now we've had to go BR and glad we did, but I personally wouldn't bother claiming them back now as I wouldn't see any benefit from them anyway and if the OR really wants the money off the bank I'm sure they will get it!