bingo1981 vs Cahoot

[Bingo1981]

Hi there everyone

I sent a letter to Cahoot 14 Days ago detailing the charges that I wanted to claim and this morning I recieved a letter from the Abbey saying;

"Dear Bingo1981

thank you for contacting us and I am sorry that you have been so unhappy that you have felt you must complain.

One of my team will be responsible for investigating you complaint and I have enclosed out Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timeley and satifactory manner.

I know it is important to you that we resolve you complaint quickly, but we want to complete a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening.

If you have employed someone to handle you complaint on your behalf, please note:
employing a third party complaint-handling firm, or a solicitor, or financial advisor does not affect how we review your complaint. Please be aware that:
Abbey does not charge you to investigate your complaint
Abbey will not be liable for any costs incurred if you do decide to employ a third party to handle your complaint during this review
Abbey, in general, will only make payment directly to account holder(s) if your complaint is upheld and redress is due.

Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with.

Yours sincerely

Andrew Nelson
Business Manager"

Now i'm a little confused, I have a second letter ready to send when they try to fob me off saying that i'm not happy with their response, should I send this now and if so do I send it to The Abbey or to Cahoot(who I originally sent the letter to)? Or should I wait for them to investigate as they say in the letter and wait for the response to the investigation?

Great work you're all doing here by the way.

Many thanks in advance

Bingo1981

[noniustus_commodus]

I received a similar letter when I complained to Abbey. I waited 8 weeks in the end and then I emailed cahoot with a LBA, Abbey then responded asking me to re-send details they already had, saying their investigation could take another 8 weeks and that I could not complain to the FSA until they had completed their investigation.
I told them they had already had my complaint 8 weeks and that I had no intention of complaing to the FSA and the courts only require me to give them 2 weeks anyway.
It is up to you if you want to wait. Giving them time to complete their investigation shows that you have given them every opportunity to reach a fair conclusion. But dont expect a satisfactory answer.

[Bingo1981]

Hi everyone
Right, I went through all the stages that this sort of web site advises to claim back my bank charges, sent the letters in the right order got the responses sent more letters......eventually took the bank(cahoot) to court on the MCOL website and this morning I have just received a copy of their defence. Now will I have to actually go to court? Will I have to appoint a solicitor? Will I lose in court if I don't because I'll be up against some hotshot solicitor?
Just basically want to know if this has happened to anyone else and what I need to do next.
Yours worriedly
Bingo1981
Sorry I also posted this in another forum!