jellybabe vs Cahoot Credit Card

[jellybabe]

Hi there,
I have been a away some time from this site. I am ready to battle Cahoot again, this time for my Credit card charges.
I am shocked at the amount of stays for claims, even for Credit cards.
The banks just seem to get away with anything!
My question:
Does anyone know of any stays in the Burton on Trent Court?
Is it advisable to start a claim now, or should i rather wait for the outcome of the "test case".
Are there any Cahoot Credit Card claims still being paid out?
This is really confusing now.

Thanks,
jellybabe

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[zootscoot]

Hi Jellybabe,

The test case does not affect credit card charges as there is a clear breach of contract involved with credit card claims and therefore the legal issues differ. So there should be no reason why you should not put a claim in now.

All the best

Zoot

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[jellybabe]

Hi Zoot,
Thanks for your reply. Thats exactly what i was hoping to hear )
I was just a bit worried after reading messages that even Credit Card claims have been stayed by the Courts.

[zootscoot]

Good luck

[jellybabe]

Thanks

[jellybabe]

Right, this has been standing still for a long while.
Am in the process of writing my S.A.R. to be sent next week.
I can remember from my last claim "many moons ago", that i received funny printouts when i did my S.A.R. back then. Some of the amounts didn't have no description on them, just the amount. So i am not sure if i took the money out or if it was a charge?
Let's say they send the same thing again now with my new S.A.R. from next week, does this comply with my request? Or can i ask specifically for proper statements (which would be easier to read and understand)?
Any advice appreciated.
Thanks

[jellybabe]

S.A.R. in the post today. Now the waiting!

[jellybabe]

Ok then, S.A.R. sent off on Mon via recorded.
Just had following message on royal mail:

This item is being sent to an address that has a redirection in force and will take an extra day or two to arrive.

Will have to wait a couple more days until i can start counting.

Any advice on my question from post #6?

I can remember from my last claim "many moons ago", that i received funny printouts when i did my S.A.R. back then. Some of the amounts didn't have no description on them, just the amount. So i am not sure if i took the money out or if it was a charge?
Let's say they send the same thing again now with my new S.A.R. from next week, does this comply with my request? Or can i ask specifically for proper statements (which would be easier to read and understand)?

Thank you

[jellybabe]

My letter was delivered on the 4th July. No wth e40 days counting start. looks like Cahoot have had a change of adress??
This looks to be the new one?

cahoot, PO Box 968, Bradford, BD1 9EL

Well, at least that's what it says on the website.

[jellybabe]

Just found my old spreadie from when i initially started this process a couple of years back. I think i started in a diff thread somewhere.
Anyway, added all my charges from the last year onto my old saved spreadie and it amounts to quite a bit calculated with the 19.9%.
Would it be wise to wait for my statements to come or can i start the process and then amend if need to once they arrive. They only just received my S.A.R. on the 4th July. which means there would be quite a wait for me. Thought maybe i could start and therefore shorten the whole process a bit?

[jellybabe]

any advice regarding Cahoot's adress? Is this the new one (post #9)?

[jellybabe]

Finally received my statements, together with a cover letter :

You have asked for copies of your statements, which we assume is to enable you to reconcile your bank charges.Blah Blah Blah, we believe the charges are fair...legal proceedings with the OFT in relation to unauthorised bank charges.Cases will be stayed, and so on and so on.

We all know that rubbish.
Must be a standard reply as my claim is relating to Credit card charges NOT bank charges.
Anyways, got my spreadsheet ready, and will send my Prelim off tomorrow or Mon.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[jellybabe]

Oh yeah...and Cahoot's adress showing on teh letter is:

Friars house
Coventry
CV1 2TE

I assume that is the one i should use from now on.

[roboticboy]

Correct address. I was quite surprised how quick they responed to my Prelim & LBA. Both received by e-mail. Will now issue court claim as they have refused my tiny amount of £123 (over limit fee - due to the dammed interest!!!) They'll recove this is interest within 3 months.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[jellybabe]

Good Luck! Keep me updated how you get on with those *******!

[jellybabe]

Got round to sending my Prelim off at last.12 days behind, never mind.