Co-operative Refer a Friend Switching Offer £125 (Nov 2022)

masonic

AmityNeon said:

bristolleedsfan said:

AmityNeon said:

In my experience, applications always take at least one working day to process before accounts are opened, so even if two friends applied on the same day in the hopes of eventually referring each other, there is no guarantee their account opening dates would match.

I applied on the evening of 1 November after seeing this thread posted, welcome letter with account number and sort code was dated 1 November ...

Were you a new customer?
When does your credit file say the account was opened?

FWIW my credit file shows the start date of my account as being one working after the date on the letter issued by Co-op confirming account details. Whether I could have transacted on my new account on the date the letter was issued I don't know as I didn't try.

wiseonesomeofthetime

My switch completed 13/12.

Incentive paid into account 14/12, though I had submitted referral form a while ago, so already in hand. 

Transferred money out of my Co-op account 14/12 to my main account elsewhere. 

Co-op balance £0

No sign of my FP in destination account yet, despite Co-op saying it would be instant 🤷‍♂️

Secure message sent, though I am likely to follow it up by phone Thursday afternoon if still no sign. 

I find the Co-op app horrible compared to the many other banking apps on my phone. Definitely not a keeper imo. 

Bridlington1

Bridlington1 said:

masonic said:

Bridlington1 said:

bristolleedsfan said:

I was referred the first time in April this year so the switches were pretty close together.

Did you fully switch out before £125 offer started on 1 November ?

No. I started my switch out shortly after they launched the £125 switching offer. The switch out completed on 14th November and I applied for a new Co-op current account on 15th.

It's very fortunate for you that they've given you a specific reason for not paying out. You have the copy of the T&Cs in pdf format, marked in the margin of the last page with a reference number and date?

The previously highlighted discrepancy between full T&Cs and landing page information might come in handy should the situation evolve, i.e. if they say holding a Co-op current account at the start of the offer period is a disqualifying factor.

Thanks for pointing this out. I've kept print outs and PDFs of the Ts&Cs of both switching offers and if they edit the website I can always use the wayback machine. Every letter I've ever had from Co-op is all filed away somewhere and I never deleted a single email from Co-op so I can easily find any reference numbers I could possibly have.

Once I've received a reply from the secure message I sent them I shall be complaining.

The secure message I sent them has disappeared from online banking. I've just telephoned them and made a complaint regarding the £125 refer-a-friend bonus. They said they will respond within the next 3 working days.

StevenGude

I'm lost for words
Rang customer service as not heard about switch date since application

Said went ahead on 7th - impossible as that's when I opened account

Told them the date that it said when I applied and asked them to confirm - they couldn't but it sounded 'about right'.....

billyboy

Probably a silly question but do you email the completed refer a friend form? If so what address?

youngretired

Bridlington1 said:

Bridlington1 said:

masonic said:

Bridlington1 said:

bristolleedsfan said:

I was referred the first time in April this year so the switches were pretty close together.

Did you fully switch out before £125 offer started on 1 November ?

No. I started my switch out shortly after they launched the £125 switching offer. The switch out completed on 14th November and I applied for a new Co-op current account on 15th.

It's very fortunate for you that they've given you a specific reason for not paying out. You have the copy of the T&Cs in pdf format, marked in the margin of the last page with a reference number and date?

The previously highlighted discrepancy between full T&Cs and landing page information might come in handy should the situation evolve, i.e. if they say holding a Co-op current account at the start of the offer period is a disqualifying factor.

Thanks for pointing this out. I've kept print outs and PDFs of the Ts&Cs of both switching offers and if they edit the website I can always use the wayback machine. Every letter I've ever had from Co-op is all filed away somewhere and I never deleted a single email from Co-op so I can easily find any reference numbers I could possibly have.

Once I've received a reply from the secure message I sent them I shall be complaining.

The secure message I sent them has disappeared from online banking. I've just telephoned them and made a complaint regarding the £125 refer-a-friend bonus. They said they will respond within the next 3 working days.

The secure message doesn't show in either my husband or sister's accounts, I don't think they show until answered. Please let me know how you get on with your complaint. When my brother-in-law complained it took 8 weeks for them to answer.

wiseonesomeofthetime

billyboy said:

Probably a silly question but do you email the completed refer a friend form? If so what address?

No, you just complete the Adobe form then hit Submit 👍

It appears when all fields are correctly completed. 

wiseonesomeofthetime

Got my switch incentive money. 

Blocked for checks when I tried to move it yesterday. 

Still awaiting its arrival in destination account.

Modern times, eh?

Should have expected it really. It's not unique to Coop, so no major grumble tbh. 

AmityNeon

StevenGude said:

I'm lost for words
Rang customer service as not heard about switch date since application

Said went ahead on 7th - impossible as that's when I opened account

Told them the date that it said when I applied and asked them to confirm - they couldn't but it sounded 'about right'.....

It depends on who answers your call. General customer service don’t have access to your switch information and prefer not to bother the switching team unless absolutely necessary. You need to be firm and insist on being provided accurate details; do not settle for an inexperienced or untrained call handler who just wants an easy ride.

I had a call that was answered by someone likely on their first day on the job, as not only did they fail to take me through security to access the general notes on my account, they relied on details I provided then and there, e.g. “I called last Wednesday to switch”, to generically ‘confirm’ my switch completion date as seven working days from that Wednesday. Needless to say they were incorrect about everything, because I called the next morning and was received by someone far more experienced and apologetic.

Bridlington1

Bridlington1 said:

Bridlington1 said:

masonic said:

Bridlington1 said:

bristolleedsfan said:

I was referred the first time in April this year so the switches were pretty close together.

Did you fully switch out before £125 offer started on 1 November ?

No. I started my switch out shortly after they launched the £125 switching offer. The switch out completed on 14th November and I applied for a new Co-op current account on 15th.

It's very fortunate for you that they've given you a specific reason for not paying out. You have the copy of the T&Cs in pdf format, marked in the margin of the last page with a reference number and date?

The previously highlighted discrepancy between full T&Cs and landing page information might come in handy should the situation evolve, i.e. if they say holding a Co-op current account at the start of the offer period is a disqualifying factor.

Thanks for pointing this out. I've kept print outs and PDFs of the Ts&Cs of both switching offers and if they edit the website I can always use the wayback machine. Every letter I've ever had from Co-op is all filed away somewhere and I never deleted a single email from Co-op so I can easily find any reference numbers I could possibly have.

Once I've received a reply from the secure message I sent them I shall be complaining.

The secure message I sent them has disappeared from online banking. I've just telephoned them and made a complaint regarding the £125 refer-a-friend bonus. They said they will respond within the next 3 working days.

I've just had a phone call from them. They said that I am not classed as a new customer as I closed my old account after they launched the £125 refer-a-friend scheme and am therefore ineligible for the £125 and that they would not overturn their decision. They are sending me a letter within the next 3-5 working days and have advised that if I am not happy with their decision I should contact the Financial Ombudsmen service.

Once I have got the letter I shall be contacting the FOS.