has anyone had any luck against cahoot??

[acestealer]

they don't seem to have a very clear policy on how to handle this whole unfair charges thing.

i've had 3 refusal letters now so i guess MCOL is the next step.

[ben007]

I obtained a forthwith judgement against them on 30th August which, according to the court, they subsequently tried, and failed, to have overturned. Nor have I received any direct communication from them. I now find myself in the bizarre position of having to take enforcement action....

[acestealer]

After hearing what a nightmare Chimera has had it is really putting me off.

They don't seem to have a clue what they're doing.

However probably will raise MCOL next week.

Good luck with yours xx

[Abby]

Ben007 - Have you got a thread somewhere? I would be really interested in everything you have done against Cahoot.

[pelvicthrust]

I had a full refund off Cahoot (£185) within two weeks of asking for it. So good luck and go for it!

[Lager_Lou]

Hi Pelvicthrust,

did you actually begin court action before Cahoot offered you settlement?

Lou

[acestealer]

I've had absolutely zero luck with them

I'm just waiting to get paid so i can raise my court action against them.

[pelvicthrust]

Hi Lager Lou,No. This is the letter I had back:
I am writing to you in reply to your letter dated 18th September 2006. I have taken ownership of your case in order to provide a response to the issues raised in your letter.
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.
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.
Having reviewed the history of your account I can see that in general your account has was well managed and the charges detailed in your letter represent uncharacteristic breaches of our terms and conditions. Given this and the fact that you were a customer for four years I am willing to consider a full refund as a gesture of goodwill.
As a protracted discussion is in neither parties' interest I have now requested for a cheque of the full amount to be forwarded to you at the following address:

xxx
I hope that this resolution is to your satisfaction. Please be assured I have carried out a full investigation for you and I hope you feel I have offered a fair response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file. If you remain dissatisfied though you can find details of how to take your complaint further at legal T&Ts . The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service.
Kind regards
Emma Brookes
Service Relationship Manager, cahoot

[jkop]

I begin my MCOL on Wednesday against them for £1935 so I'll let you know!

[Lager_Lou]

Cool - thanks for your advice, I'm submitting my claim via the court on Wednesday so looks like we're at about the same stage.

Lou

[ellielou]

I don't think Cahoot have a clue full stop.

I agreed on a settlement figure with them for a debt I had with them. I paid the amount to them 18 months ago and the accounts are still showing as open despite being informed in writing twice the debt had been settled and they had closed my accounts!!

I rang again today to chace it up as I want to make sure they're closed before I go for the £380 they owe me . I was told they were happy that the amount agreed had been recieved and they were in the process of closing my account. I then asked how long it took to close an account as I'd paid it to them 18 months ago - silence on the other end of the line

Hopefully they'll now be closed & I can go for my charges back