Nici vs Cahoot & EX - Page 7

Chimera · 22nd March 2007, 15:33

I have incurred £800 worth of charges since claim filed though - it's a lot and it wouldn't happened - had they not put charges on my account or paid up when they should have done... I don't care about my bank accounts being closed, but didn't know if they could close c/card or flexible laon when I have a balance on them??

jellybabe · 22nd March 2007, 15:36

Wow, that is a lot more than i have incurred.Although £170 already is a lot of money which they charged me since then.
I would deff go for the rest of it if i was you. Like i said, loan and credit card are 2 seperate contracts i should think. And i wouldn't think they could just close them because of your claim on your current account.
But then, i don't know for sure.

Chimera · 22nd March 2007, 15:39

I have claimed my credit card charges as well... Two current accounts and a credit card - but then if I get the £800 my card shoudl be payed off..

jellybabe · 22nd March 2007, 15:41

another reason to go for it i would think.....mmh, i seem to be thinking a lot today

Chimera · 22nd March 2007, 16:14

I will try and pen a nice letter asking them to give me the charges back seeing as I have already won a case.. I suppose I have a decent case for it seeing as they are 6 months late paying me ....

jellybabe · 22nd March 2007, 18:10

True. i would try a letter first and then you can always go the whole way again, if they refuse.

Chimera · 22nd March 2007, 18:28

Anyone got any suggestions of what to write?

And should I write to an address?? if so which one?
I sent e-mails last time

jellybabe · 22nd March 2007, 18:32

sorry, i'm hopeless at writing letters. I can't seem to find the right words.

Chimera · 22nd March 2007, 22:47

NAyone know whetehr youc an still e-mail them?
and if so - at what address???
or am I best sending a letter?

Chimera · 22nd March 2007, 23:19

just sent them this:

THIS IS NOT AN INSURANCE CLAIM – PLEASE READ

ACTION NEEDED WITHIN 24 HOURS

Account number : xxxxxxx
Sort code: xxxxxx

Dear Sir Madam,

As I am sure you are aware I won my small courts claim (claim number: xxxxxx) in July last year.
It is only today that I have received confirmation that the payment has been processed and I should receive funds shortly.

Obviously the late payment of these monies had caused me considerable stress, and I have incurred £xxx more charges
on my account over the last 8 months due to the lack of funds.

I have been advised by the abbey legal team to request a refund of all charges incurred since the claim was filed, plus
any pending charges.

Aside from the fact that I believe the charges to be unlawful, it is quite clear that I would have been
able to stay within my overdraft limits and pay bills on time, had the above claim be paid on time.

I have been very patient, but feel it is only fair to refund all charges since filing the claim (I include a list with this e-mail).

If I do not hear from you within 24 hours, I will have no issues in taking legal action again.

I trust that this will not be necessary, and look forward to hearing from you.

I am happy for all the charges to be refunded to my cahoot bank account.

Thank you

jellybabe · 22nd March 2007, 23:46

This sounds like a very good letter.Hope you get the reaction you wish for. And if they are any clever, they will oblige.

Abby · 23rd March 2007, 10:21

Great letter. I wrote something similar after I won my case to get back the charges they had added. Not heard anythng yet though.

Chimera · 23rd March 2007, 14:27

We can but hope...

Chimera · 23rd March 2007, 22:41

ahhh.. the standard e-mail:

Quote:

Thank you for contacting cahoot in Coventry.
Further to your email, I can confirm that I have forwarded your message on to the relevant department.
You will be contacted regarding this issue in due course.
I hope that I have fully answered your query and you are satisfied with my response.

If you require any further assistance please do not hesitate to contact us again.
Kind Regards,

Gotta love em...

Chimera · 24th March 2007, 11:01

GOt cheque this morning - that was quick.... woo hoo...

misspickles · 24th March 2007, 11:17

Congratulations Nici Xxxxxxxxxxxxxxxx

Chimera · 24th March 2007, 12:01

Thanks MIsspickles - finally got there in the end...

I'm just glad that I gave them the opportunity to pay before sending in the baliffs... little did I think when I phoned on Tuesday - that I would have a cheque in my hand today...

NO banks are open to pay it into - but I will look at it lovingly till MOnday

Abby · 24th March 2007, 15:32

You could always use one of your envelopes and post it in to cahoot!

Congratulations.

Chimera · 24th March 2007, 15:36

Quote:

Originally Posted by Abby

You could always use one of your envelopes and post it in to cahoot!

Congratulations.

OOhh ... coudl you imagine...

Cahoot "what cheque? we didn't recieve a cheque?"

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