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Greetings all,
Right I am going to put this here aswell due to not getting a firm answer anywhere else.
Bit of background.
Sept 2007 I had a 7.5k Personal Loan with the Co-operative Bank PLC
July 2008 I was made redundant so made a claim on the PPI this was refused on two counts firstly that they were adamant that I was a contract worker this was untrue as I was full time it was my employer that held contracts with various councils and if he lost one I would be transferred to another.
The second reason was that I had a previous medical condition namely the stroke.
So I started a claim for the mis-sold PPI in Sept 2008 as on that basis I should never of had it added to the 9 loan accounts I have had since March 1999.
Now I carried on making the monthly payment of the current loan for 2 mths until the claim reached deadlock with the bank and had to refer the matter to the FOS.
My point being that as the claim is now with the FOS it is in a lawful dispute and as such I stopped my payments until such time they took my valid dispute as a just dispute worthy of full investigation.
However unbeknown to me co-op customer services and there collections dept do not work in conjunction with each other which is quiet unbelievable to be honest.
Anyway the hugh pile of threat letters from the co-op and various dca's started coming through the door and as much as I told them to refer to customer services and the FOS they kept coming even 6 mths after this was settled they where still coming through my door it is only just recently though another letter to the bank demanding that they get the dca's of my back and supply me with a letter stating that I owe them nothing that the threats have now stopped.
I held firm and was not going to pay them a penny more as they where already holding just under 9k of my money which was more than enough to clear my current loan.
This claim has now been redressed in January 2011 to both mine and the banks satisfaction however I still have a heap of defaults registered with the cra's.
What is everyone view on this would you say they where unfair and should be removed?
The loan has been paid in full no part settlement as I signed the agreement and honoured it in full as I was never a will not pay, but a cant pay on the grounds above and once they played ball and settled my valid claim there was no hesitation in settling the loan early.
Regards.
Right I am going to put this here aswell due to not getting a firm answer anywhere else.
Bit of background.
Sept 2007 I had a 7.5k Personal Loan with the Co-operative Bank PLC
July 2008 I was made redundant so made a claim on the PPI this was refused on two counts firstly that they were adamant that I was a contract worker this was untrue as I was full time it was my employer that held contracts with various councils and if he lost one I would be transferred to another.
The second reason was that I had a previous medical condition namely the stroke.
So I started a claim for the mis-sold PPI in Sept 2008 as on that basis I should never of had it added to the 9 loan accounts I have had since March 1999.
Now I carried on making the monthly payment of the current loan for 2 mths until the claim reached deadlock with the bank and had to refer the matter to the FOS.
My point being that as the claim is now with the FOS it is in a lawful dispute and as such I stopped my payments until such time they took my valid dispute as a just dispute worthy of full investigation.
However unbeknown to me co-op customer services and there collections dept do not work in conjunction with each other which is quiet unbelievable to be honest.
Anyway the hugh pile of threat letters from the co-op and various dca's started coming through the door and as much as I told them to refer to customer services and the FOS they kept coming even 6 mths after this was settled they where still coming through my door it is only just recently though another letter to the bank demanding that they get the dca's of my back and supply me with a letter stating that I owe them nothing that the threats have now stopped.
I held firm and was not going to pay them a penny more as they where already holding just under 9k of my money which was more than enough to clear my current loan.
This claim has now been redressed in January 2011 to both mine and the banks satisfaction however I still have a heap of defaults registered with the cra's.
What is everyone view on this would you say they where unfair and should be removed?
The loan has been paid in full no part settlement as I signed the agreement and honoured it in full as I was never a will not pay, but a cant pay on the grounds above and once they played ball and settled my valid claim there was no hesitation in settling the loan early.
Regards.
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