 Re: I'm a student and soooooo hacked off with cahoot!!
Hi Em,
if they are penalty charges then the good news is that you can claim them ALL back. But first you need to have a goood read round the site. It really does take a few days to get your head around all the arguments and all the information.
You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)
Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.
Good luck.
You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.
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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | 
