Co-Op requests for info - are they right?

Lexis200

Hi

Sorry - it's a long and ranty one...

I'm just on the rounds of requesting extensions to my payment plans with my lenders (all cc's). It's pretty par for the course (barring 2, mentioned in another thread), but Co-Op are asking for quite a few things in addition to an updated I&E sheet.

• Copies of three wage slips dated within the last six months of proof of benefits/other income
• Copy of last mortgage statement/rent book or other proof of your mortgage/rent payment
• Copies of statement detailing balances of any other creditors that you may have.

I have no problems giving them these details as I have nothing to hide, but I did send all these things 6 months ago, and when I sent in my extension request I enclosed an updated I&E sheet plus a copy of my Tax Credits award to show proof of low income.

They say in the letter that 'Any repayment arrangement that may be made is conditional upon receiving all of the above information', but I thought that all I actually had to send them was the Income and Expenditure sheet (which I have and they are now asking for again).

Added to this, my payment plan ended on the 5th of April. I wrote to them a month before hand requesting the extension. On the 7th I had a phone call from them saying the account was in arrears as the plan had ended, and I needed to pay them at least a token payment. I looked at my bank account and my last payment had left my account on the 1st of April, so would have been with them before my plan ran out, surely meaning I had paid that month. I did try and explain this but the chap on the phone was very good at ignoring me completely. The upshot of that anyway was that I scraped a tenner together as an 'interim payment', but I'm pretty sure I shouldn't have needed too.

In addition to this, the letter they sent me asking for the info arrived Friday last week. I had a phone call at 7pm yesterday (Sunday !!!!!!) asking why I hadn't sent it back, and could I make another payment. This time I flat refused and told them I'd get the stuff out this week.

I can't believe this is how they should be doing business. I have told them (and proved to them!) that I have no extra money, yet they continue to press me for it and ask for more proof. They are the lowest in terms of debt, and yet have one of the highest repayments as they would just not accept my pro-rata offer. They are also still charging me interest, but as a 'gesture of goodwill' it is only .5% - they are the only ones to be doing this. Ethical bank my bottom.

Anyway, sorry for the rant, and if anyone can find my original question about the details they're after amongst all the rubbish I've written here I'd love your opinions (or better yet if anyone knows categorically what they can and can't ask for)

Thanks in advance