121o121 v Cahoot **WON**

[121o121]

Well here we go again. After sucessfully claiming against LloydsTSB, I'm now going through my credit cards one by one.

Am I correct in think that I can ask for the Subject Access Request by logging in and clicking "contact us"? That may save me a £10 cheque that way?

And if anyone has done this, have you done the whole template as in the letter, or just scaled it down?

Regards

[121o121]

Subject Access Request made using their online "E-Messaging" system.

[Chimera]

Yes.. I did it this way - though you will have to shorten it to fit it in...
Well done on Llyods.. I'm trying to get some dosh back for my OH from them... Just awaiting statements

[121o121]

Well to be honest the judge sped things along by ordering an allocation hearing this wednesday. That prompted Lloyds to settle early.

Good luck with them, i'll follow your thread.

Thanks

[bexterwho]

Originally Posted by Chimera

Yes.. I did it this way - though you will have to shorten it to fit it in...
Well done on Llyods.. I'm trying to get some dosh back for my OH from them... Just awaiting statements

Sorry, I'm new to this. Do you have the wording of your email by any chance. I'd like to do the same but don't want to get anything wrong! Mine is for a credit card with Cahoot, do I go about it in the same way?
Thanks!

[121o121]

I sent it by letter in the end as I received no answer with the 2 emails.

[121o121]

I have today received my account information made under the subject access request. They have returned the cheque to me aswell, so thats another one to cross out of my cheque book (unlike the Halifax).

Now I've got the hang of claiming from banks but credit cards are new to me so bear with me please.

Looking through my account statements I can see numerous charges.

I pressume "billed deferred finance charges" and "billed finance charges" are my interest entries as I cannot see them anywhere else?

By the looks of things my claimable charges are marked "overlimit charge assessment & charge for late payment".

I hadn't realised how much this would add up to. I think I'll need a new yellow highlighter pen!

[121o121]

I have today sent my prelim letter off for £551.00.

What is interesting is that one charge listed is direct debit reversal (manual). That charge is for £40 where as the others are all £25. Why did they write "maunual" next to it? Are all the others automated?

A question on its way to the service relatiopnship manager.

[121o121]

My word Cahoot, that is impressive.

I have today received a letter (dated the 14th) declining my request for a refund.

No surprises there then!

I have been advised that should I wish to continue my complaint, I need to write to Abbey's Stage 2 complaints team.

Apparantly the stage 2 team will carry out its own investigation.

Really? You won't just copy and paste four paragraphs of text under my name and address after the 12th day?

They go on to say "Should I choose to seek legal redress, neither Cahoot nor Abbey, will be held responsible for the fee's you incur.".

And all signed by a Mr Andrew ******

[121o121]

Have just completed the MCOL stage.

I will start to familiarise myself with the court bundle now.

More work entailed, but an enjoyable learning curve.

[MarkyT]

I too would have thought where they have "manual" next to a transaction it meant manual intervention was required but I fail to see how a returned DD could require that.


Have they come back to you yet with an explanation?

[121o121]

Hi Mark

I haven't challenged the "manual intervention" entry on my charges statement yet. I've decided to leave it until preparing my court bundle.

I have taken the step set out by Cahoot, that I should complain to Abbeys stage 2 team. I know it's a wasted letter, but will be good to submit it in my bundle when the time comes.

Regards

[121o121]

This morning I received both a "Notice of Issue" from Northampton County Court, and a letter from Abbey telling me their investigation has taken longer than expected as they want to research it fully. I should hear from them again within 4 weeks.

Playing the waiting game now then until a defence is entered.

[121o121]

Claim number 7QZ10585 incase any mods want to put me in their "litigation in progress" catagory?

[121o121]

claim acknowledged 6/2/2007

[Longleigh10]

Hi there,
I'm about to send my Subject Access Request off, can't remember my on-line log-in details, so want to send it by post. What address did you send it to? I read somewhere that recorded delivery items can't be sent to PO Box's
thanks

[121o121]

Hi Longleigh10

I've not sent any documents recorded/special delivery, and they have all got their ok.

The address I have used is:

Cahoot
Friars House
P. O. Box 1981
Coventry
CV1 2ZD

Hope this helps....