Fuming with the Co Op

kezxx22

I am fuming :mad: ....

I applied for a Co Op cashminder about 4/5 weeks ago. Knew there was a backlog but kept my fingers crossed. Heard from them about a week later saying the application was accepted as long as ID ok.

Sent ID to them (which they had advised me about) via next day delivery about 2 weeks ago. In this time I rang & asked if ID was ok to which I was told it was fine. So sat waiting...and waiting ...then rang again last Friday to be told my application was all in order so should be processed soon.

Next thing, today I receive a text msg to tell me that my ID is not acceptable!!!! Couldnt believe it. There's me sitting waiting for the post hoping I get my account details anytime soon then this after waiting 5 long stressful weeks.

Rang them to be told my ID was not accetable because the person who did it didnt write 'I certify that I have seen the original'. Noone told me to do this.

Well angry is an undertstatement with tears on top. Now I have to send the ID all over again further delaying it. I will be writing a letter to them to complain. Not happy at all. Going BR is hard enough without dealing with all this. All I want is a bank account to pay my bills etc out of! :mad::mad::mad::mad::mad::mad::mad::mad::mad:

JustinCredibleGillespie

I completely understand Kez. I waited the same length of time, although it did say on my letter that you should get your ID verified by either a Civil Servant or someone in authority. I did this with my application and still I waited 6-7 weeks.

Hang in there. It will get sorted.

JCG

xx

now

they did not do this with me, they checked my credit file that was it, I would go into the local branch and try to sort it out

NeverAgain_2

Calm down, and I would advise against writing a letter of complaint.

Like it or not, the Co-op is doing you a favour by offering you an account as a bankrupt.

Put another way, you have little choice because most other banks won't consider you.

All that matters here is you get the account up and running.

mandyl

why are they doing br a favour?

dojoman

mandyl wrote: »

why are they doing br a favour?

By allowing us to have some sort of account with them, maybe "favour" is the wrong word, but at least they do let us have an account with full online access unlike nearly all the other banks. To be fair to the OP, they do seem to have been treated quite badly and I don`t think a letter of complaint would be amiss.

NeverAgain_2

The risk with writing a letter of the complaint is the Co-op could respond on the lines of: "If you don't like it, best you bank elsewhere", leaving the OP with nowhere to go.

I would be surprised if they would be so small-minded, but my surprise won't help the OP make alternative arrangements.

Just because the OP is bankrupt there's no reason to put up with poor service.

But this is a relatively trivial administrative matter, so I don't think it's worth taking a risk by complaining, however small that risk may be.

alastairq

whilst I don't know the OP's full circumstances..there's always Barclays?

Another word for 'complaint' is 'feedback'!

And the Co-op, like any other institution relying on 'individuals' as customers, need feedback...otherwise improvements or rectification may not occur.

The purpose of the Customer service department is not to field complaints, keeping them away from the important people...but to act on what information they receive, in order to improve the service to customers.


When we complain, this is the outcome we should expect.

If one is simply angered, and want someone's head to roll , then I think folk will be disappointed.


Allow Co-op to answer for the problem....it may be a systems fault they are unaware of?

mandyl

agree with neveragain just cos we are br doesnt mean we should put up with poor service.
doing us a favour i dont think so

andyf1980

There's little profit for the banks to be made from operating a BR account. Profit on non BR accounts has reduced as the OFT rulings on bank charges have been implemented; it's why so many banks are now pushing "value added" accounts which charge a monthly fee. Banks are not normally keen to do anything that doesn't make them a profit!

alastairq

however, banks like Co-op also see basic account customers as potential buyers of other Co-op products...like car insurance, house insurance, etc. and encourage [and milk] customer loyalty.

Despite the advent of sites like confused, etc....there is still a large element of customer inertia to be tapped.

Besides, it wont be long now before banks will find themselves compelled to provide accounts as a public service......