Help with the Un Co-operative Bank!

zahrip12 · 15th November 2008, 21:44

Hi everybody
First timer
Really need some advice reference the UnCo-operative Bank ref a credit card I had with them since 1998.
I have been a follower of your site for some weeks now and I really need some help as they are taking me to court to obtain a charging order on my home.
I wrote to them requesting my CCA and also all the info they hold under the Data Protection Act. I have received back the attached and firstly wondered if these are CCA agreements and are they enforceable? One of the copies is totally illegible - their T&C's.

They sent me a termination letter but neither this nor any default notice is in the Data Protection Act pack. Does this matter?
Any advice would be greatly appreciated.
Thanks

maroondevo52 · 15th November 2008, 21:55

Hello and Welcome, zahrip12.

I'll move this thread to the appropriate Forum.

Regards.

Scott.

zahrip12 · 15th November 2008, 22:08

Thanks - wasn't sure where to post thread

Josie8 · 15th November 2008, 22:12

You'll need to rescan as the pictures are too small to see to give an opinion.................. .............

zahrip12 · 15th November 2008, 22:28

Will do -thanks - thought they looked a tad small

Josie8 · 15th November 2008, 22:29

Yes - haven't got my magnifying glass with me lol!!

zahrip12 · 15th November 2008, 22:48

Hi Josie8

Can you help - my posting rules say I cannot add any other attachements -

Any ideas apart from a microscope?

Thanks

maroondevo52 · 15th November 2008, 22:50

You need to post 5 times

just reply to me now and you'll be ok to scan next post

Regards.

Scott.

Josie8 · 15th November 2008, 22:52

Just beat me to it..................lol!

zahrip12 · 15th November 2008, 23:00

Hi Scott

Reply as requested
Thanks

zahrip12 · 15th November 2008, 23:44

Hi Scott,

Iv'e re-scanned but it still says "may not post attachments" Please advise.

Thanks

maroondevo52 · 15th November 2008, 23:54

Hi, zahrip12.

I'll check it out and get back to you, in the meantime have a wee look at this......

http://www.consumeractiongroup.co.uk...i-dummies.html

Might help a bit

Regards.

Scott.

zahrip12 · 16th November 2008, 00:09

Thanks

Mr lex · 16th November 2008, 23:06

Hi Zahrip, could you try again to post attachments now ?

Lex

zahrip12 · 19th November 2008, 22:08

Thanks Lex

Still having trouble - I see some posts use photo bucket - can I use this and if so how? If I cannot use this approach I will put a new thread on with attachments say from word.
Cheers

maroondevo52 · 19th November 2008, 22:11

Hi, zahrip12

Yes, use Photobucket, here's the 'link'.

Image hosting, free photo sharing & video sharing at Photobucket

Regards.

Scott.

zahrip12 · 19th November 2008, 22:23

Thanks Scott
I'll get cracking straight away

zahrip12 · 21st November 2008, 00:01

I now have placed the Co op form no.1 and no 2 here

Image of Co -op form 2 - Photobucket - Video and Image Hosting

Please view and let me know your thoughts.
Many thanks

zahrip12 · 23rd November 2008, 20:52

Hi everyone.

Can someone please look at the two forms that I have attached. The Un - coperative are preparing to submit their claim against me and I'm running out of time to prepare for their attack.

Really appreciate opinions on enforceability.

Help!
thanks

willtheywontthey · 23rd March 2009, 06:21

what's the latest on this??

15th November 2008, 21:44	#1 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Give yourself a better chance with our claims guides and litigation kits Cagger since : Oct 2008 Posts: 27	Help with the Un Co-operative Bank! Hi everybody First timer Really need some advice reference the UnCo-operative Bank ref a credit card I had with them since 1998. I have been a follower of your site for some weeks now and I really need some help as they are taking me to court to obtain a charging order on my home. I wrote to them requesting my CCA and also all the info they hold under the Data Protection Act. I have received back the attached and firstly wondered if these are CCA agreements and are they enforceable? One of the copies is totally illegible - their T&C's. They sent me a termination letter but neither this nor any default notice is in the Data Protection Act pack. Does this matter? Any advice would be greatly appreciated. Thanks Last edited by zahrip12; 20th November 2008 at 23:52.

15th November 2008, 21:55	#2 (permalink)
maroondevo52 Site Team Your bank owes you an awful lot more money than you realise See here Cagger since : Jun 2006 I am in: Edinburgh Posts: 14,954	Re: Help with the Un Co-operative Bank! Hello and Welcome, zahrip12. I'll move this thread to the appropriate Forum. Regards. Scott. __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. PLEASE HELP CAG by downloading our FREE CAG TOOLBAR CAG TOOLBAR

15th November 2008, 22:08	#3 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar We need funds Please donate something Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Thanks - wasn't sure where to post thread

15th November 2008, 22:12	#4 (permalink)
Josie8 Classic Account Holder Help the CAG!! Make a contribution Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Nov 2006 Posts: 1,449	Re: Help with the Un Co-operative Bank! You'll need to rescan as the pictures are too small to see to give an opinion.................. .............

15th November 2008, 22:28	#5 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar eBay user? Find misspellings and zero-bid items Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Will do -thanks - thought they looked a tad small

15th November 2008, 22:29	#6 (permalink)
Josie8 Classic Account Holder Help the CAG!! Make a contribution Is your bank avoiding its debts Data disclosure poll Cagger since : Nov 2006 Posts: 1,449	Re: Help with the Un Co-operative Bank! Yes - haven't got my magnifying glass with me lol!!

15th November 2008, 22:48	#7 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Your bank owes you an awful lot more money than you realise See here Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Hi Josie8 Can you help - my posting rules say I cannot add any other attachements - Any ideas apart from a microscope? Thanks

15th November 2008, 22:50	#8 (permalink)
maroondevo52 Site Team Try our eBay sniping service Cagger since : Jun 2006 I am in: Edinburgh Posts: 14,954	Re: Help with the Un Co-operative Bank! You need to post 5 times just reply to me now and you'll be ok to scan next post Regards. Scott. __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. PLEASE HELP CAG by downloading our FREE CAG TOOLBAR CAG TOOLBAR

15th November 2008, 22:52	#9 (permalink)
Josie8 Classic Account Holder Help the CAG!! Make a contribution Protect your signature with SignGuard Cagger since : Nov 2006 Posts: 1,449	Re: Help with the Un Co-operative Bank! Just beat me to it..................lol!

15th November 2008, 23:00	#10 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Try our eBay sniping service Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Hi Scott Reply as requested Thanks

15th November 2008, 23:44	#11 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Our auction sniper is now live. Try it for free Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Hi Scott, Iv'e re-scanned but it still says "may not post attachments" Please advise. Thanks

15th November 2008, 23:54	#12 (permalink)
maroondevo52 Site Team We need funds Please donate something Cagger since : Jun 2006 I am in: Edinburgh Posts: 14,954	Re: Help with the Un Co-operative Bank! Hi, zahrip12. I'll check it out and get back to you, in the meantime have a wee look at this...... http://www.consumeractiongroup.co.uk...i-dummies.html Might help a bit Regards. Scott. __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. PLEASE HELP CAG by downloading our FREE CAG TOOLBAR CAG TOOLBAR

16th November 2008, 00:09	#13 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar We need funds Please donate something Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Thanks

16th November 2008, 23:06	#14 (permalink)
Mr lex Site Team Have we helped you? Please help us by making a donation Cagger since : Oct 2006 I am in: The South West Posts: 4,306	Re: Help with the Un Co-operative Bank! Hi Zahrip, could you try again to post attachments now ? Lex __________________ Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!! Please don't rush, take time to read these:- Most important 'Site rules' F.A.Qs & Dummies Guide to posting on the forums This is always worth referring to A to Z guide FSA's new BCOBS rules "CAG depends purely upon donations. Please help us to continue helping you, and give what you can" Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

19th November 2008, 22:08	#15 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Is your bank avoiding its debts Data disclosure poll Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Thanks Lex Still having trouble - I see some posts use photo bucket - can I use this and if so how? If I cannot use this approach I will put a new thread on with attachments say from word. Cheers

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19th November 2008, 22:11	#16 (permalink)
maroondevo52 Site Team Your bank owes you an awful lot more money than you realise See here Cagger since : Jun 2006 I am in: Edinburgh Posts: 14,954	Re: Help with the Un Co-operative Bank! Hi, zahrip12 Yes, use Photobucket, here's the 'link'. Image hosting, free photo sharing & video sharing at Photobucket Regards. Scott. __________________ Any advice I give is honest and in good faith. If in doubt, you should seek the opinion of a Qualified Professional. If you can, please donate to this site. Help keep it up and active, helping people like you. PLEASE HELP CAG by downloading our FREE CAG TOOLBAR CAG TOOLBAR

19th November 2008, 22:23	#17 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar eBay user? Find misspellings and zero-bid items Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Thanks Scott I'll get cracking straight away

21st November 2008, 00:01	#18 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! I now have placed the Co op form no.1 and no 2 here Image of Co -op form 2 - Photobucket - Video and Image Hosting Please view and let me know your thoughts. Many thanks Last edited by zahrip12; 21st November 2008 at 00:10. Reason: only mentioned one form instead of two

23rd November 2008, 20:52	#19 (permalink)
zahrip12 Basic Account Holder Help the CAG!! Download our toolbar Watch out, there are Claims Touts about! Cagger since : Oct 2008 Posts: 27	Re: Help with the Un Co-operative Bank! Hi everyone. Can someone please look at the two forms that I have attached. The Un - coperative are preparing to submit their claim against me and I'm running out of time to prepare for their attack. Really appreciate opinions on enforceability. Help! thanks

23rd March 2009, 06:21	#20 (permalink)
willtheywontthey Classic Account Holder Help the CAG!! Make a contribution Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Oct 2007 Posts: 1,121	Re: Help with the Un Co-operative Bank! what's the latest on this??