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| | | | | | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
18th May 2006, 11:02
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#1 (permalink)
| | Classic Account Customer |  Nici vs Cahoot & EX
Ex left me in an awful position nearly two years ago, with thousands of pounds worth of debts, which I admit I had stupidly taken out in my name, but I did not spend. Anyway.. I have a joint account with him still, because the account cannot be closed until the £1000 OD is paid off... so I am going to ask them for all of the charges back, and pay off the account, and should have money left to pay off other debts with them too.. I have worked out that in the last year alone, on two current accounts and one credit card, I have paid £445 in charges.. should have been more.. but I asked for a couple to be refunded, as they were silly...
I will take cahoot first and them barclays, citi, ge capital, NatWest etc... I have been charged so many times.... and just accepted it... Any advice would be appreciated.. I have started by sending them a polite email asking cahrges since the account opened - 2002 i think... will see what they say.. from reading the posts, they may be difficult, but I don't mind.. so long as there is a light at the end of the tunnel... This could actual clear at least a auter of the debt I have now - that would be nice!!! | 
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18th May 2006, 11:23
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#2 (permalink)
| | Gold Account Customer | Re: Nici vs Cahoot & EX
Quote: |
Originally Posted by Chimera Ex left me in an awful position nearly two years ago, with thousands of pounds worth of debts, which I admit I had stupidly taken out in my name, but I did not spend. Anyway.. I have a joint account with him still, because the account cannot be closed until the £1000 OD is paid off... so I am going to ask them for all of the charges back, and pay off the account, and should have money left to pay off other debts with them too.. I have worked out that in the last year alone, on two current accounts and one credit card, I have paid £445 in charges.. should have been more.. but I asked for a couple to be refunded, as they were silly...
I will take cahoot first and them barclays, citi, ge capital, NatWest etc... I have been charged so many times.... and just accepted it... Any advice would be appreciated.. I have started by sending them a polite email asking cahrges since the account opened - 2002 i think... will see what they say.. from reading the posts, they may be difficult, but I don't mind.. so long as there is a light at the end of the tunnel... This could actual clear at least a auter of the debt I have now - that would be nice!!! | Welcome to the site...
Best advice that can give is to have a good read around the site... The FAQ's in particular. Get a good feel for the arguments.
If you have any questions after that... post them up and I'm sure someone will help you out as much as they can...
Keep us posted as to how you're getting on. | |
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7th June 2006, 19:20
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#9 (permalink)
| | Gold Account Customer | Re: Nici vs Cahoot & EX
Quote: |
Originally Posted by Chimera Ooops.. too late.. have split the three up, but sent e-mails of 5 mins apart.. Have atttached a copy of the breakdown with it as well.. lets see what happens now... | Can't hurt ! | |
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6th July 2006, 00:05
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#15 (permalink)
| | Basic Account Customer |  Re: Nici vs Cahoot & EX
Firstly, DON'T PANIC!
The hardest part of filling in the online claim is getting the word count below the limit and within the 24 lines.
Here is what I put: Quote:
I have a contract with the defendant bank
dated XXXX conducted on their
standard terms. I'm claiming the return of
money taken by the defendant in the way of
charges over the last 6 years plus interest
they have levied on those charges. The
bank's charges are a disproportionate
penalty and therefore unenforceable as they
are contrary to common law. Further, as a
disproportionate penalty they are invalid
under the Unfair (Contracts) Terms Act 1977
s.4 and under the Unfair Terms in Consumer
Contracts Regulations 1999. Para.8 and sch.2
(1)(e). In the event that the charges are
not a penalty then they are unreasonable
within the meaning of the Supply of Goods
and Services Act 1982 s.15. I have asked
the bank to justify their charges but they
decline to. I also claim interest under
section 69 of the County Courts Act 1984 at
the rate of 8% a year from XXXX to
XXXX of £XXXX also interest at the
same rate up to the date of judgment or
earlier payment at a daily rate of £XXXX.
| Replace the XXXX with an appropriate date or an amount and use Vampiress' Excel spreadsheet (from the library) to calculate the appropriate interest. | |
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7th July 2006, 19:57
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#20 (permalink)
| | Basic Account Customer | |
ear xxxxxxxxxxx Thanks for your email. As already advised, these charges are valid in line with the terms and conditions of the account. If, as stated in your letter, you wish to take this matter further then please send all documentation marked for my attention to: Service Relationship TeamcahootFriars HousePo Box 1981Coventry CV1 2ZA If you require any further assistance then please do not hesitate to contact me. Yours sincerelyCraig Cathcart Service Relationship Manager, cahootSo tonight - I shall be filling in my form and getting my money back... How long does it usually take form this point forward? and do I add the back charges they have charged me in the last 14 days?