jellybabe v Cahoot

[jellybabe]

thanks for reply,i thought so too,
the only problem is,there is soooo many clear spaces with the same amounts as my charges usually are.Surely,they can't all be charges??
I don't want to claim money they don't owe,but also,i don't want to give them money that belongs to me.

[jellybabe]

today i received following email from cahoot:
[
Dear Mrs jellybabe,

Thank you for contacting cahoot.

I am sorry that you felt you had to contact us concerning the level of service that you have received from cahoot. Please accept this e-mail as acknowledgement that your issues have now been brought to the attention of cahoot's Service Relationship Managers.

At cahoot, we aim to satisfy our customers at all times. We have a complaints handling procedure in place to ensure that you receive a quick and fair response to any complaints you may have about our service. At each stage of the complaints procedure, the details of your case will be reviewed and fully investigated. You will be kept informed of what is happening and we will do everything we can to help you. For a full description of our complaints procedure, please log into your personal homepage on the cahoot website via www.cahoot.com. Please scroll down to the bottom of the home page and click into our 'Important Information' section. Details of our complaints procedure can be found under the heading "Complaints Policy". This is the seventh legal notice and can be found immediately after the section which relates to "Third party websites and products".

It is our policy to acknowledge all complaints within 24 hours (or the next available working day) and wherever possible to resolve. In the event that detailed investigation is necessary, we will endeavour to give you a full reply within 5 working days. In the circumstances where this is not possible, we will keep you informed of progress regularly.

Yours sincerely,

Service Relationship Team
QUOTE][/quote]

what do i do next?I reckon it's waiting time now.
Would it be ok to reply to their email and just explain that it's not the service i'm not happy with,i just dissapprove with
the extend of their punitive charges??Or would it be best to leave it all alone and wait what happens next??
I just thought that might make the risk of account closure a bit less?
Any advice?

Ta

[jellybabe]

received another email from......now guess,our well known Lee Loftus.
It is the standard BOG OFF letter others received:

Dear Mrs jellybabe,

I refer to your letter dated 24th June 2006 regarding your cahoot accounts. I've taken ownership of your particular case in order to provide a response to the issues you've raised.

We don't accept that cahoot's charges are unfair under the Unfair Terms in Consumer Contracts Regulations 1999. The object of these Regulations was not price control nor were they intended to interfere with people's freedom to agree the terms of their contracts.

It's well known that banks make charges and cahoot's charges are in line with those of other banks. The terms and conditions of the account and the charges that apply are clear and fair and were provided to you at the time you opened it. You freely agreed to the terms and conditions and the charges when you opened the account. You weren't under any obligation to do so and could have gone to another bank if you didn't agree to the charges. Equally, you're free to move your account to another bank at any time if you don't agree with the charges.

In any event, we don't agree that the charges are disproportionate. The charges are reasonable and proportionate to the administrative costs incurred by cahoot.

In light of the above, I'm unable to refund the charges you've incurred fully appreciating the disappointment this may cause.

If you need anything further please don't hesitate to contact me.

Yours sincerely

Lee Loftus
Service Relationship Manager, cahoot

Mmhhh

[jellybabe]

right then,my lba is due to go out on the 11th July.
Am i right in thinking i can send it now as they have said that they won't refund?

[Michael Browne]

The 14 day timescales are deliberate, so that if you end up in court you can show that you've allowed the banks a reasonable time.

That said the natural inclination is respond to their reply immediately and some people do.

It's only 5 days, I'd wait

[jellybabe]

thanks Michael,
i decided to wait the whole 14 days.Like you said,it's only 5 days.
But i have to admit it's itching in your fingers;when you get a letter like that,
your first reflex is to say: "right thats it....i show ya!".

Anyway,will wait til the 11th.......they might change their mind and pay it all back in the next 5 days,HA HA HA

[jellybabe]

Quick question......just noticed that i missed a couple charges out in my prelim.Can i just add these on to the total in my lba?Also,new charges have been added,can i add these up aswell?
My lba is going out on the 21st if i don't receive anything by tomorrow.
thanks

[Chimera]

yes, they are. It is best to wait the 14 days. Then in total you have given the bank 28 days to respon, which is resonable. Good Luck

[jellybabe]

Hi Chimera,
Thanks for reply.I already gave them 14 days and another 10 days to reconsider.The additional 10 days will run out tomorrow.
I think it's time for my lba on Friday.I've got it all ready to send.

i have to admit......getting a bit nervous now!

[jellybabe]

oops,forgot to say in my last post....i am on holiday abroad from the 5th August til the 15th August.But if i send the lba on fri,their timescale ends just in the middle of my hols (7th August).Would that be a problem? As obviously i can't check my post and won't know if they sent me a time sensitive letter,like a full refund or whatever.Or would it be better to wait til i'm back from holiday,or just state in my lba that i won't be able to respond to anything until the 15th August.Or just extend their timescale to the 15th August?
I am confused!hahahaha!Sorry about the rambling.
Any advice?

[barracad]

Send the LBA as planned, with the 14 day deadline.

If it is that you don't file the court claim on the 14th day that is not a problem - in fact you are being overly-acommodating by giving them extra time to pay up before you commence litigation.

[jellybabe]

Thanks,will do that then.

[jellybabe]

just got my lba printed out,but thought i let someone have a look at it before i send it.

(my adress)

Friars House
Legal Department
PO Box 1981
Coventry
CV1 2BR

LETTER BEFORE ACTION 21.07.2006

Dear Sir/Madam,

ACCOUNT NUMBER: *****************


I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £765 of my current account and £450 plus £36.52 in interest of my Credit card Account. Total £1251.52.
I am enclosing a revised copy of the schedule of the charges which I am claiming.

I require repayment in full of this money and also cancellation of charges that are/might be due to be taken. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.





Yours faithfully,

'cc:file'

Hope anyone could maybe point me in the right direction if i should change anything or if it's ok to send like that.Also,i might change the interest amount for the credit card account before sending it,providing Vampiress is so kind to send me the new spreadsheet for credit cards.
Thanks for any help or suggestions in advance.
jellybabe

[jellybabe]

just received following email of cahoot:

We are writing to let you know that we have reduced the fees relating to
your cahoot credit card. These were effective on 28 June 2006 and are as
follows:

- The fee for exceeding your credit limit has now been reduced from
GBP25 to GBP12
- The fee for making a late payment has now been reduced from GBP25 to
GBP12

[jellybabe]

aaahhh,i just can't work it out.I will leave the interest for the credit card as it is.But the interest for my Current Account.....i just can't get a grip on that one.
Would it be ok to just add £50 estimated interest in my lba?And how would i word it?

I calculate that you have taken £765 plus an estimated £50 in interestof my current account and £450 plus £36.52 in interest of my Credit card Account. Total £1301.52.

Would that be acceptable?

[jellybabe]

This is my revised lba.I will be sending it like that on Monday morning. I assume it's ok like that, if no one else out there says otherwise.

LETTER BEFORE ACTION 24.07.2006

[deleted]

[MODERATED: Letter removed - Letter templates are available in the templates library for registered users only]

[jellybabe]

Hi barracad,
not been online since sat morning,coz lighting fryed my modem somehow.
Only just got back to notice you deleted/edited my last post.
Sorry,if i put anything there i shouldn't have.didn't know better.
Also,i haven't had no reply to my last post,and not sure if i can send the lba off with an estimated amount of interest or if i should leave it out as i can't proof the exact amount.Will send my lba off Monday afternoon, without the estimated interest if i don't get a reply by then,as i don't want to mess anything up.
thanks and sorry again,
jellybabe