Re: PPI and Court
PF, I bet that I have seemed the "negative" person in this case all along but believe me I always thought I was right (and the case was proved eventually) and although you have probably not gained much in the way of monetary value I think you can say, you have gained a whole new bunch of "friends" on here.
We know its not as much as you expected from Co-op and they were correct all along TBH (of which I argued on here, MSE, and also CAG) but without others agreeing the same I know you would not accept and put it to bed.
As regards loan number 1, this was offered as Goodwill anyway so FOS could not force anything from Co-op in regards to statements and they have told you this (like they did myself) and being goodwill, this can be withdrawn at any time so my advice (for what its worth) would be to actually accept the offer made. Its certainly better than nothing and I would say if the statement did turn up it would show a rebate. Only time will tell on the SAR.
Sorry (and truely am too!!) that this is not the amounts you first expected. I just wish it was us you had come to first instead of listening to people over at CAG (I did the same on MSE TBH) and having all this undue stress put upon you.
Co-op have always given insurance rebates which some firms do not and Firstplus is a good example of ripping people off. I also hope that you can sort out the defaults etc to your advantage and not theirs.
Has it cost you much in this way PF cause if it has then perhaps we can all help to put things right there. I know this would probably mean crawling and begging (YUK) at Co-op but I have actually NEVER had a bank charge there in all the time I have been with them that they have not refunded (at the time that is by just asking nicely LOL). Just hope you can get it sorted out.
PF, I bet that I have seemed the "negative" person in this case all along but believe me I always thought I was right (and the case was proved eventually) and although you have probably not gained much in the way of monetary value I think you can say, you have gained a whole new bunch of "friends" on here.
We know its not as much as you expected from Co-op and they were correct all along TBH (of which I argued on here, MSE, and also CAG) but without others agreeing the same I know you would not accept and put it to bed.
As regards loan number 1, this was offered as Goodwill anyway so FOS could not force anything from Co-op in regards to statements and they have told you this (like they did myself) and being goodwill, this can be withdrawn at any time so my advice (for what its worth) would be to actually accept the offer made. Its certainly better than nothing and I would say if the statement did turn up it would show a rebate. Only time will tell on the SAR.
Sorry (and truely am too!!) that this is not the amounts you first expected. I just wish it was us you had come to first instead of listening to people over at CAG (I did the same on MSE TBH) and having all this undue stress put upon you.
Co-op have always given insurance rebates which some firms do not and Firstplus is a good example of ripping people off. I also hope that you can sort out the defaults etc to your advantage and not theirs.
Has it cost you much in this way PF cause if it has then perhaps we can all help to put things right there. I know this would probably mean crawling and begging (YUK) at Co-op but I have actually NEVER had a bank charge there in all the time I have been with them that they have not refunded (at the time that is by just asking nicely LOL). Just hope you can get it sorted out.
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