Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Got the following email after sending the first letter demanding the bank charges I ahd calculated they owed me. Has anyone claimed in a Scottish court yet? Do I need to send another letter before I start proceedings. My total is actually over £2000 and therefor is above small claims thershold for court, anyone know if you just do the same for larger claim?
Dear Mr X,
I refer to your letter dated 4th 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 the cases that you mention apply in this situation or 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. As you've stated in your letter, 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
Ended up making two claims for seperate a/c's. A joint a/c and single a/c. Got an offer for exactly half the amount claimed from one a/c but these charges were a small claim. Rejected it and got the full £420. Must be paying a fortune to the scottish solicitors to handle these claims
My initial writ is calling this week for a whopping £2720 for the other a/c, can't wait to see if they try and defend it.
Well the date passed a week ago for a defence to be lodged by Cahoot on the initial writ. Nothing lodged so decree granted against them and now only have 1 more week to wait before sending the sherriffs officers with the decree for the full £2720 + court fees.
Anyone had experience of how long they have been taking to pay up? Might just petition to wind them up if they take too long.
Have had the decree in my hand for over a fortnight now and as of yet they have still to repond to my letters so will just pass it to a sheriffs officer.
Shona&billy, Got the info form the Govan Law Centre website. You pay a higher fee than a small claims, £59 I think. If need be I could send my copy of the intial writ to you by PM. You can let me know. Also have the initial letters to cahoot too if you need them.
Ian v Cahoot ******Settled in Full******
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
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