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Hi there,
I have been a away some time from this site. I am ready to battle Cahoot again, this time for my Credit card charges.
I am shocked at the amount of stays for claims, even for Credit cards.
The banks just seem to get away with anything!
My question:
Does anyone know of any stays in the Burton on Trent Court?
Is it advisable to start a claim now, or should i rather wait for the outcome of the "test case".
Are there any Cahoot Credit Card claims still being paid out?
This is really confusing now.
The test case does not affect credit card charges as there is a clear breach of contract involved with credit card claims and therefore the legal issues differ. So there should be no reason why you should not put a claim in now.
Hi Zoot,
Thanks for your reply. Thats exactly what i was hoping to hear )
I was just a bit worried after reading messages that even Credit Card claims have been stayed by the Courts.
Right, this has been standing still for a long while.
Am in the process of writing my S.A.R. to be sent next week.
I can remember from my last claim "many moons ago", that i received funny printouts when i did my S.A.R. back then. Some of the amounts didn't have no description on them, just the amount. So i am not sure if i took the money out or if it was a charge?
Let's say they send the same thing again now with my new S.A.R. from next week, does this comply with my request? Or can i ask specifically for proper statements (which would be easier to read and understand)?
Any advice appreciated.
Thanks
Ok then, S.A.R. sent off on Mon via recorded.
Just had following message on royal mail:
This item is being sent to an address that has a redirection in force and will take an extra day or two to arrive.
Will have to wait a couple more days until i can start counting.
Any advice on my question from post #6?
I can remember from my last claim "many moons ago", that i received funny printouts when i did my S.A.R. back then. Some of the amounts didn't have no description on them, just the amount. So i am not sure if i took the money out or if it was a charge?
Let's say they send the same thing again now with my new S.A.R. from next week, does this comply with my request? Or can i ask specifically for proper statements (which would be easier to read and understand)?
Just found my old spreadie from when i initially started this process a couple of years back. I think i started in a diff thread somewhere.
Anyway, added all my charges from the last year onto my old saved spreadie and it amounts to quite a bit calculated with the 19.9%.
Would it be wise to wait for my statements to come or can i start the process and then amend if need to once they arrive. They only just received my S.A.R. on the 4th July. which means there would be quite a wait for me. Thought maybe i could start and therefore shorten the whole process a bit?
Finally received my statements, together with a cover letter :
You have asked for copies of your statements, which we assume is to enable you to reconcile your bank charges.Blah Blah Blah, we believe the charges are fair...legal proceedings with the OFT in relation to unauthorised bank charges.Cases will be stayed, and so on and so on.
We all know that rubbish.
Must be a standard reply as my claim is relating to Credit card charges NOT bank charges.
Anyways, got my spreadsheet ready, and will send my Prelim off tomorrow or Mon.
Correct address. I was quite surprised how quick they responed to my Prelim & lba. Both received by e-mail. Will now issue court claim as they have refused my tiny amount of £123 (over limit fee - due to the dammed interest!!!) They'll recove this is interest within 3 months.
jellybabe vs Cahoot Credit Card
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