Claim 7QZ23534 - Cahoot - Help!!!

[pjw140177]

Hi,

I have followed closely the fantastic work that you have all done to re claim your charges. I have had a current account with Cahoot since 2001. Over this time they have applied charges to my account of £4609.08. This information was provided by Cahoot on sending my first letter to them. I of course received their standard non acceptance letter and hence proceed my action to court through MCOL. They acknowledged the proceedings and have lodged a Defence. The proceeding have now been transfered to my Local Court St.Helen's (Merseyside). On acknowledgment of the proceedings Cahoot challenged where I got my information from and I send back to them a copy of the breakdown that they had sent me and my calculations of interest which totalled £400.08. I have not received any other communication from them except a copy of their defence which in turn the court have also forwarded to me with their Allocation Questionnaire.

I have set up and already transfered the bulk of our day to day finance to another account.

I need help with how to proceed the questionnaire is quite lengthy and I'm unsure on how to proceed. I have also not gathered info or sent a court bundle which many of you refer to. How and When do I do this.

My total claim is £5010.00 excl. the £250 court fee. My apologies for the length of this note but I'm unsure what to do next or what they (cahoot) will do to challenge.

I would be grateful of your advice and support.

[pjw140177]

UPDATE,

Submitted al my info to Abbey and the court just wait and see what happens now

[InKogneeToh]

Hi and welcome to CAG

What is on their AQ? Are they asking for more info or are they just adding information for their defence?

There is a basic court bundle in the Bank templates library on this site along with advice on the AQ and other stages of the claim. Have a good read of the FAQs and the info in the library and also read some of the 'successes' threads (Abbey or Cahoot) to see what usually happens.

Regards, Pam

[pjw140177]

Hi Pam,

Thanks for the note. I haven't had their AQ yet....I filled mine in on line and have sent to them and the court. So just waiting really now. I have asked for a 1 month stay to get one up on them so that the court can see that I have done everything I could to avoid court action. Thanks for letting me know where the bundle stuff is I'll start putting it together. I printed of the draft direction and sent this with My AQ was that right. I also sent to the court copies of the letters with my schedule of charges so they can add to my file prior to me sending my bundle. Hope this makes sense. Phil

[InKogneeToh]

Originally Posted by pjw140177

Hi Pam,

Thanks for the note. I haven't had their AQ yet....I filled mine in on line and have sent to them and the court. So just waiting really now. I have asked for a 1 month stay to get one up on them so that the court can see that I have done everything I could to avoid court action. Thanks for letting me know where the bundle stuff is I'll start putting it together. I printed of the draft direction and sent this with My AQ was that right. I also sent to the court copies of the letters with my schedule of charges so they can add to my file prior to me sending my bundle. Hope this makes sense. Phil

Hi

Yes that sounds fine but I would check some other Abbey threads for anything else that might be a good idea. I haven't actually got even as far as you on my claim as I have been too busy on other parts of this site with the mini revolutions that are going on!

So if you haven't had the bank's AQ, what is the questionnaire you are referring to?

Regards, Pam

[pjw140177]

HI Pam,

I was sent an AQ as well so I had to fill it in and send a copy of my draft directions which I printed from the site. Cahoot/Abbey have until the 10th April to submit their's to the court. But if my case is like everyone elses they will send it in late once the court have this the DJ can decide the track and a date after the 1 month stay will be set. So just a waiting game I think now.


Phil

[InKogneeToh]

Originally Posted by pjw140177

Hi Pam,

Thanks for the note. I haven't had their AQ yet....I filled mine in on line and have sent to them and the court. So just waiting really now. I have asked for a 1 month stay to get one up on them so that the court can see that I have done everything I could to avoid court action. Thanks for letting me know where the bundle stuff is I'll start putting it together. I printed of the draft direction and sent this with My AQ was that right. I also sent to the court copies of the letters with my schedule of charges so they can add to my file prior to me sending my bundle. Hope this makes sense. Phil

Hi

Yes that sounds fine but I would check some other Abbey threads for anything else that might be a good idea. I haven't actually got even as far as you on my claim as I have been too busy on other parts of this site with the mini revolutions that are going on!

So if you haven't had the bank's AQ, what is the questionnaire you are referring to?

Regards, Pam

[pjw140177]

Hi,

So I've now had Cahoot's AQ. They are happy for small case track. They have said that a banking officer will present their evidence (I bet). Their draft direction were a joke, three lines. They also asked that nothing happen before the 20th June. I have wrote to the court and advised them respectfully that the defendant has had from 29th Jan and numerous other occasions to settle but they have not done. I phoned the court yesterday and its with a Judge now for direction so I should hear in a few weeks.

No contact from Cahoot.. (Nothing new)

Watch this space

Phil

[pjw140177]

Just received my cheque in the post from Abbey National (Cahoot). Total £4595.60. RESULT.

Don't give up they will always settle in the end.

Mod- Please can you put my thread into successful claims.

Thanks