I'm in Cahoots...Not!!!

[rosco1977]

I sent a Data Protection Act request to Cahoot on the 26th April via snail mail. Received the standard email back from their complaints department saying they would look into my complaint and get back to me within 5 working days. I'd heard nothing until today when they rang me up for the first time ever to say that my account was £118 over the overdraft limit and that I would soon have my account put into default.

I said that I was waiting for a Data Protection Act request to be dealt with before I was willing to make any payments and discuss my account further.

The woman on the phone then said she would chase the complaints department and put me on hold to speak to her collegue. When she came back to me she said that they had sent me details of my BANK CHARGES via e-mail or through their online message system on the 12th of May. I checked both while the woman was on the line and and there was nothing. I then reinformed her that I had requested a full Data Protection Act and not details of my bank charges and I would wait until I had received this before continuing with the conversation further. She said she would chase up the complaints department to get this done and that I would have 10 days before my account goes into default.

I don't care about going into default as 3 of my other accounts have done so due to me making reduced payments through the CCCS and another one doesn't really make my credit score any better.

I stupidly forgot to take her name as the call took me by suprise. I thought I'd let know all this as it is interesting that they mentioned bank charges as a reply to my Data Protection Act (surely this presumption is illegal) and the fact that this call comes after I make my DPA request (I've been £118 o/d for around 3 months).

[rosco1977]

I got a letter from Cahoot today dated the 12th May (hmmm the envelope was franked on the 15th which is the same day I spoke to the lady above!!) saying that my charges total £1160. Why do these banks presume that you only want this information when you specifically request a subject access? This is the 3rd bank to do this!!!!

Oh well I'm going to start proceedings against them now. Then I'm going to re-request a Subject Access Request just to make sure they haven't been lying to me.