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Co op unpaid item fee

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  • Co op unpaid item fee

    Hi guys, hope someone can help with this:
    My partner just got charged 15 by Co op, because Talk Talk tried to take some money out, there wasn't enough, so he got slapped with an unpaid item fee. Now he had already paid last month's Talk Talk bill, and they dipped in a second time to take some money out, they said, because of the bank holiday, which isn't until next week, so I know, we have an issue with Talk Talk that we must take up, but can I legally request that Co op refund my partner the charges? Would I need to follow the usual route of writing them a letter, then if that's no good, taking it to the ombudsman, or is this different? Any help greatly appreciated, thanks.
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  • #2
    Re: Co op unpaid item fee

    I think the best you can do with the Co-op is write a pleading letter.

    Legally, you did not have money in your account when someone tried to take a payment. You thus incurred the fee for this. Talk Talk should refund this fee if they did not have the right to request the money.

    I've always found the Co-op extremely good about refunding fees, especially if it is a very rare occurence. I actually phone them, but don't settle for first tier Customer Service people.


    • #3
      Re: Co op unpaid item fee

      Talk Talk Telecom cannot be trusted, particularly their Executive Level Complaints Team.

      As such, if they take money out, BEFORE the agreed payment date without a very good reason that would stand up in a court of law, it could be argued that they are in breach of their side of the contract.

      I've had experience of these wide boys and what they'll do is say they can only credit the bank charges to your next bill, which is total crap and against the Unfair Terms in Consumer Contracts Regs 1999.

      Stand your ground with them and if they dig their heels in, hit them with a Contract Default Notice, basically, a letter telling them they are in breach of the contract between you by causing you to suffer financial loss as a result of their actions and them failing to comply with the UTCCR. If it comes to this, come back onto the thread.
      Life is a journey on which we all travel, sometimes together, but never alone.


      • #4
        Re: Co op unpaid item fee


        This has happened to me a couple of times, like Labman I found that a simple call to customer services and an explination did the trick. the charges were refunded on both occaisions.



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