Help with reclaim bank charges

[Having_A_Knightmare]

HI

Ive been on this forum for over a year now battling with Debt Collectors but I have never reclaim any charges and could do with some help.

I have not got a clue were to start.!!

Basically got a Cahoots Current Account and ther over £500 of charges. I have the statments so no need for a SARS.

Anybody know what to do next??

HAK

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[Brassed off]

Hi HAK and welcome to CAG - Bo *giggles*

I wondered what you were doing on the Welcome Forum

Done a little bit of homework here - Cahoot is an internet bank from what I can see from "Googling" and are a division of Abbey National Plc (owned by the Santander Group).

If you haven't got time to do your homework, then start a new thread in the appropriate forum lol. There's a Cahoot one on CAG :-

http://www.consumeractiongroup.co.uk/forum/cahoot/

Bit like the blind leading the blind here - it's been a long time since I did my homework on the Bank Charges front as there's no point trying to reclaim charges when they don't have a CCA

	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.

[rory32]

Ummm FAQ's Please Read These First

(sniggers)

[Goldlady]

Actually I have similar problem so well said HAK. I have to make a claim against the Halifax and I have to go back to basics not only to make the claim but to find out what is happening at the moment as I have been so involved with other issues on here.....

[MARTIN3030]

Its a big site guys so needs some lookin......
Well done BO for researching.
HAK-if youve been here for a year u must know somethin !!


Goldlady-you are a Veteran....was here in Cags infancy with just a couple of thousand members back in 2006-things have changed a little-the main one bein that now they are fighting-but so are we as we always did.
If you are lost bout whats happenin now-you need to read the threads watch the news and search for it.
I am suprised you are askin whats going on now-time to catch up !!!!!

[Having_A_Knightmare]

Thanks for the info.

Can a Site Helper move it to here http://www.consumeractiongroup.c o.uk/forum/cahoot/

HAK

[ukaviator]

Thread moved.