jellybabe v Cahoot - Page 3

jellybabe · 25th July 2006, 12:28

Thanks,same to you

jellybabe · 16th August 2006, 10:05

Back of my holiday now.
No good news in the post from cahoot.Got an email dated 8th augst, asking me to send my claim form to following adress:

Quote:

Private & Confidential
Lee Loftus
Service Relationship Manager
cahoot
Friars House
Coventry
CV1 2ZA

Do they mean that this is the adress that i put in the moneyclaim??
Oh yes,and i've got another charge of £25, which will go on my claim aswell.

Abby · 16th August 2006, 14:14

I used the Abbey National Address, but if they are asking you to send the papers to that address then I would do so.

jellybabe · 16th August 2006, 14:31

yeah,thought so too.so, the adress i will put on my moneyclaim form will be the above then.I was just a bit confused,as i don't send anything to cahoot when i file my claim online,do i??i never did with my claim vs argos.

misspickles · 16th August 2006, 22:53

Hi Jellybabe
Looks like im about the same position as you, I received that email from lee loftus this week, am waiting till 14 day deadlines is up as it coincides with payday, then will be MCOL! will be interested to see how you get on with this bank! Good Luck!
Miss P x

jellybabe · 16th August 2006, 23:02

hi misspickles,
my deadline run out on the 8th August,but i was on hols til tuesday.Will do mcol on fri (payday)

jellybabe · 16th August 2006, 23:03

forgot to say...good luck with yours!
will keep you posted.

jellybabe · 17th August 2006, 17:23

anyone got any advice about the following:
I am interested in claiming the higher rate of interest. i am about to do mcol tomorrow morning,but haven't mentioned the higher interest in my lba or any letter before that.
Can i still claim the higher interest when i file my claim tomorrow?Or is it better to just go for my normal interest rate and the 8%?

Abby · 17th August 2006, 17:41

I am not sure what the higher rate of interest is that you are talking about. I claimed for the 8% because it is the rate set by the court.

jellybabe · 17th August 2006, 18:54

yes, but a few others have claimed the higher rate of interest instead of the 8% as explained in the following thread:
A New Way of Looking at Interest- 1st successful Claim - N'wide.
It states that you can claim the alternative amount of interest at the rate that the bank charges you instead of the 8%. you can only claim that or the other if i understand it right.for example if the bank charges you....say,29.8%...you should be able to claim that or an alternative lower percentage.All at the discretion of the judge.
And believe me, it could make quite a difference to a claim.

Abby · 17th August 2006, 18:59

Wow, that would be nice! I would happily give it a go, either Cahoot will go to court and someone will finally get thier day in court or they will give you the whole lot. I'd be happy to give it a go if I had not already done my moneyclaim thing.

jellybabe · 17th August 2006, 22:10

that's what i thought.Would be more than nice.I think i might give it a go.
Will have to do my calculations again.

Abby · 18th August 2006, 08:47

I'll watch with interest. I think I will give it a go with my last few claims.

jellybabe · 22nd August 2006, 00:16

no update yet. Am at moneyclaim stage now, but it will have to wait until i find the cash for it.

jellybabe · 22nd August 2006, 13:46

and yet i got the message that another charge is going to be added.
They just don't get it,do they??Oh well, it will all up my total to claim even more.

jellybabe · 23rd August 2006, 17:58

Right, i decided to wait with my moneyclaim and send them a revised lba stating that i will claim the contractual rate of interest.The only problem is.....unauthorised overdraft is 21.9 %, and CC is 13.8%. As i had them both combined in my claim, i am not quite sure no more what to do??
Do i just find the middle??Let's say 16% for both??
Heeeeeelp please

jellybabe · 26th August 2006, 07:46

anyone?

Michael Browne · 26th August 2006, 17:35

Quote:

Originally Posted by jellybabe

Right, i decided to wait with my moneyclaim and send them a revised lba stating that i will claim the contractual rate of interest.The only problem is.....unauthorised overdraft is 21.9 %, and CC is 13.8%. As i had them both combined in my claim, i am not quite sure no more what to do??
Do i just find the middle??Let's say 16% for both??

Personally I think to change horses in midstream like this is not a good idea.

Either continue with the claim as is and claim s69 8% or split into a claim for each a/c and re-send the LBA claiming the appropiate contractual rate for each

jellybabe · 26th August 2006, 17:54

yeah, i had the feeling that it wouldn't look very good.
I think to keep things running smoothly, it's best to just keep it as it is.
ie. claiming just the 8% when i file. Ok, it would make a difference with my current account, as that would change my claim to about £240 less than with contractual rate.
But hey, i am glad that i can get some at all.
Decision made.......mcol as soon as my cheque from my argos card claim has cleared.
thanks again

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