Abbo vs Cahoot

Abbopro · 6th September 2006, 12:19

Hi All,

I received my statements, calculated what I felt I could claim, and sent the letter..

This morning I received the following response by email. What is my next step??

Dear Mr. Absolom,
>
> I refer to your letter dated 24th August 2006 regarding your cahoot
Current account. I have taken ownership of your particular case in
order to provide a response to the issues you have raised.
>
> We do not accept that cahoot's charges are unfair under the Unfair
Terms in Consumer Contracts Regulations 1999. The object of these
Regulations was not price control nor were they intended to interfere with
people's freedom to agree the terms of their contracts.
>
> It is well known that banks make charges and cahoot's charges are in
line with those of other banks. The terms and conditions of the
account and the charges that apply are clear and fair and were provided to
you at the time you opened it. You freely agreed to the terms and
conditions and the charges when you opened the account. You were not under
any obligation to do so and could have gone to another bank if you did
not agree to the charges. Equally, you are free to move your account to
another bank at any time if you do not agree with the charges.
>
> In any event, we do not agree that the charges are disproportionate.
The charges are reasonable and proportionate to the administrative
costs incurred by cahoot.
>
> I am therefore unable to refund the charges you've incurred fully
appreciating the disappointment this may cause.
>
> If you need anything further please do not hesitate to contact me.
>
> Yours sincerely
>
> Paul Evans
> cahoot Service Relationship Manager

Lager_Lou · 6th September 2006, 12:54

Have you read the FAQs in the library?

If you used the template stating you will give them 14 days to comply with your request, then give them 14 days. After this time is up, send your LBA. It's really important to read the FAQs.

Good Luck and keep us posted!

Abbopro · 6th September 2006, 12:57

Quote:

Originally Posted by Lager_Lou

Have you read the FAQs in the library?

If you used the template stating you will give them 14 days to comply with your request, then give them 14 days. After this time is up, send your LBA. It's really important to read the FAQs.

Good Luck and keep us posted!

Hi Lou,

Yup, they were replying to my LBA.

So it's off to the courts we go! I will file my claim with Moneyclaim, and inform Cahoot that is the action I am taking.

Lager_Lou · 6th September 2006, 13:29

Good luck!

Abbopro · 28th September 2006, 15:41

Moneyclaim claim raised and entered..

I have sent Cahoot an email informing them of this, via my lovely new consumeractiongroup email address

PhantomReclaimer · 1st October 2006, 14:37

Quote:

Originally Posted by Abbopro

Hi All,

I received my statements, calculated what I felt I could claim, and sent the letter..

This morning I received the following response by email. What is my next step??

Dear Mr. Absolom,
>
> I refer to your letter dated 24th August 2006 regarding your cahoot
Current account. I have taken ownership of your particular case in
order to provide a response to the issues you have raised.
>
> We do not accept that cahoot's charges are unfair under the Unfair
Terms in Consumer Contracts Regulations 1999. The object of these
Regulations was not price control nor were they intended to interfere with
people's freedom to agree the terms of their contracts.
>
> It is well known that banks make charges and cahoot's charges are in
line with those of other banks. The terms and conditions of the
account and the charges that apply are clear and fair and were provided to
you at the time you opened it. You freely agreed to the terms and
conditions and the charges when you opened the account. You were not under
any obligation to do so and could have gone to another bank if you did
not agree to the charges. Equally, you are free to move your account to
another bank at any time if you do not agree with the charges.
>
> In any event, we do not agree that the charges are disproportionate.
The charges are reasonable and proportionate to the administrative
costs incurred by cahoot.
>
> I am therefore unable to refund the charges you've incurred fully
appreciating the disappointment this may cause.
>
> If you need anything further please do not hesitate to contact me.
>
> Yours sincerely
>
> Paul Evans
> cahoot Service Relationship Manager

I've just got an almost identical email from them. Sod them, it's LBA time.

P.

Abbopro · 30th October 2006, 11:14

Team,

I have received an offer for £400 of my £800.

I want to respond today, what shall I do next?

jkop · 30th October 2006, 11:23

simply reply saying that you will accept this in part payment of your claim and urge them to refund the rest otherwise you will reclaim the rest via the courts (they will probably say no it's full and final settlement)

See this template

http://www.consumeractiongroup.co.uk...ent-offer.html

Abbopro · 21st November 2006, 12:22

Team,

Because I replied before seeing Jkop's reply

... I accepted £680 as total settlement.

Banked and cashed

jkop · 21st November 2006, 14:40

ah well - 680 of 800 isn't too bad - shame though, enjoy the money!

I'm waiting for my court date now on mine hope it's before christmas

Lager_Lou · 21st November 2006, 17:03

Congrats - go celebrate and spend it all on beer!

jkop · 21st November 2006, 18:47

don't forget to PM a mod to get moved to success section

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