Me VS Cahoot

[VentedSpleen]

Hi all, am somewhat down the road to reclaiming my bank charges (£1100) from a cahoot current account. As I got the ideas and advice from here I thought I'd let you lot know what I've been up to. I used the letter templates from the which? website.

Here goes:

17th October 2006 - Ask for a list of my charges

7th November 2006 - Asked them again

13th November 2006 - They sent me a list of all activity for the past 6 years rather than charge me and do a Data Protection Act search...rather nice of them. One highlighter pen later and I'm ready to ask for it back:

15th November 2006 - I ask for it back

28th November 2006 - They say no (by email)
Later that day - I send letter prior to issue.

30th November 2006 - They send email saying they're not budging.

11th December 2006 - I issue the claim with MCOL.

22nd December 2006 - They Acknowledge the claim (damn them !)

12th January 2007 - They Submit their Defence and offer me half.

20th January 2007 - I send the allocation questionnaire to the court.

Presently I'm writing my response to cahoot, will probably say I'll consider accepting providing they clear the overdraft and close the account (~£630) as that would add up to roughly what I'm asking for anyway. Doubtless they'll say no, but can't hurt.

Anyhoo, thats what I've been up to; sorry I've not contributed before now, especially since I've been looking here for guidance throughout. Thanks you lot, will keep you posted.

VS

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Rooster-UK]

Hi Me.

It looks as though you've got it all under control.
Don't let them distract you from your purpose....Stick to your guns.

You're on the home straight now.

Regards, Rooster.

[121o121]

Hi Ventedspleen.

Heard anything from either Cahoot/Abbey or the court yet?

[VentedSpleen]

After they offered me half, I said yes but only if they cancel the overdraft and call it quits as well. Unsurprisingly, they said no but wanted to know if I still wanted half.
I said no (not as full and final payment anyway), so am now waiting on a court date to force their hand. Allocation questionnaires had to be in by the 3rd of Feb so won't be long now ...hopefully.
Not particulary worried, going by the histories of everyone else on here, 'tis only a matter of time now.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[VentedSpleen]

Just got my allocated court date - 8th May.
Should expect the money round about the 6th then.

[VentedSpleen]

Been away for a few weeks -just got married in vegas!- and came home to find a letter dated 1st March saying they'll settle in full and another with a cheque for £1388 in it!!

They'd even added interest (which I hadn't asked for) and added an extra £100 onto my legal costs! Which was nice.

Cheque is in the bank and will clear in the next few days -donation incoming!

Thanks a lot you guys, this site has been the best thing I've found on 'tinternet in ages.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.