Kris vs Cahoot (and maybe others)

[pkmeaker]

Hi eveyone out there I have just finished stage one of the process and have sent out my data protection letter.

Anyone know if you can claim compo for having a heart attack I couldnt believe the charges I had got on my account. No wonder I cant stay in the black it is a constant downward spiral.

I will keep everyone posted about what happens. But I can say one thing I will fight them all the way to court if I have to.

P.s. A bit of maybe a silly question, as the issue centres around common contract law, can the principles be used across all forms of financial contractual agreements

[pkmeaker]

Ok people here's the form guide.

I have requested via the data protection act details of all my bank charges, however I had a phone call from cahoot regarding something entirely different and thought why not ask. I did and have now recieved details of my bank charges totaling £1440

I have therefore started doing the letter (infact all it needs is a stamp) but thought that I might try talking to a manager to see whether or not they would settle without the threat of court action. Especially in light of the number of claims they must have ongoing

I will keep you posted on how my little chat goes.

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	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.

[Chimera]

I doubt it.. but let us know how it goes... I e-mailed them the prelim and the lBA, with several e-mails inbetween, in response to their fob off e-mails... no joy at all... I suppose though, it does depend on who you deal with - though I am getting the feelinng that banks are using the process till the last minute to see if you will give up..

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