Where to start....

Sammy_lou3108 · 6th October 2006, 19:21

Ok, after taking on Abbey for my boyfriend and smile and first direct I realised I have an old cahoot account that due to very bad planning when i first bought my house, has had to go to a debt management company.

As you can imagine, the charges they are piling on me every single month are shocking!

So here is my question for someone with hopefully a bit more knowlegege than me, i have a credit card, bank and loan account with them. Can I ask for a breakdown of charges on all 3 and because I'm not sure exactly how long i've had my bank account how many years do I ask for?

Sammy_lou3108 · 9th October 2006, 13:33

Does anyone not know on this one then?

Sammy_lou3108 · 10th October 2006, 13:56

ok im getting desperate, does anyone know where to start on this one!

jkop · 10th October 2006, 15:33

Hi,

you can claim up to 6years back,

Send the Subject Access Request asking for all details on you - this will cover all accounts.

I'd then submit claims for each one seperately personally.

Quote:

Originally Posted by Sammy_lou3108

Ok, after taking on Abbey for my boyfriend and smile and first direct I realised I have an old cahoot account that due to very bad planning when i first bought my house, has had to go to a debt management company.

As you can imagine, the charges they are piling on me every single month are shocking!

So here is my question for someone with hopefully a bit more knowlegege than me, i have a credit card, bank and loan account with them. Can I ask for a breakdown of charges on all 3 and because I'm not sure exactly how long i've had my bank account how many years do I ask for?

ellielou · 13th October 2006, 18:42

Hi

I just sent them a letter asking for details of all charges levied on the above accounts over the past 6 years.

I included my current, loan and credit card account on the same letter. Not long after (less than a week later) I got an email saying the details I'd requested were in the post - not long after I got a list of charges.

They weren't that efficent when it came to giving a refund though lol.

Sammy_lou3108 · 17th October 2006, 14:03

Thanks guys, will send letter off today

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