Cahoot's Response to my Email

[angelic]

Hi all

Quick update on my case.

Requested account info. Received within 1 week.

Requested Refund. Reply within 4 days - NO.

Sent LBA. Received reply the next day saying NO.

They also stated this in their email:

I understand that you feel that the charges you've incurred are unlawful and you've requested a refund. I appreciate the points you've raised and hope that I can explain what the charges you've incurred represent. The charges levied contribute towards our costs for administering delinquent and overlimit accounts. cahoot's Debt Management Team are dedicated to ensuring that accounts are brought back within their agreed limits and make arrangements and manual payments to clear arrears. I've reviewed your customer records and they indicate that Debt Management have been in touch with you on a number of occasions.

I considered this matter carefully and regret that I'm not in a position to offer you a refund, fully accepting the disappointment this may cause. This is my final response in relation to this matter.

Has anybody else had this reply and then went on to be offered a refund at the court stage? The total is £450 they owe me, before interest. Not sure whether they would actually cough up, or whether mine is going to be the first one ever they can prove their costs were actually justified lol.

I'm due to file with moneyclaim on monday (pending I have the funds to pay for it!) but not sure whether I should still claim when they state what they have stated!

Thanks

Joanne

[Lager_Lou]

I would proceed anyway and when it gets to the AQ stage, ask the judge to ask them to disclose exactly how their charges are calculated and how much they have personally incurred as a result of your debt.

Also, if any or all of your debt been caused by incurring the charges in the first place then they haven't got a leg to stand on.

Keep going!

[Piggy bank]

Angelic. I got the exact same reasoning in one of their email responses, and was a bit taken aback as well at first. All it means is that they see on your records that you were sent a message that you were informed at some point that you have been overdrawn through their messaging system etc.

I ignored this and just proceeded with the next stage - LBA etc - and now at court stage I have been offered a settlement.

My advice: don't let the wording of the email put you off.

[angelic]

Thanks for that! I'll definitley proceed to the court stage on Monday now then. Hopefully I'll be offered a settlement figure too, but if not I'll still continue to fight it.

Afterall, I need that cash to take Lloyds on for the £1100 they owe me!

Thanks again

Joanne

[121o121]

Hi Angelic

I'm going the other way to you. Just dealt with Lloyds, now having a go with Cahoot.