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.
O.K, I have decided to risk requesting my data from Cahoot, hopefully this will not be enough to cause them to close my accounts.
I am going to send my request via their 'contact us' form which allows 500 characters, does this sound o.k or am I missing out too much important information?
Please supply me with a complete list of transactions and charges relating to my banking history with your organisation.
Additionally,please provide details of any events requiring manual intervention.
Please deduct the statutory maximum fee of £10 from my credit card. You have 40 days in which to comply.
I did it this way sproggi. There was no problems. Good Luck. I am at money claim stage now (put it in on 7th, deemed as delivered by 12th, so waiting for 26th to see what happens!)
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
oh.. and I have got more charges since.. so I will be asking for them back too... or I'll just claim again.. I'm not too bothered as long as I get the bulk back and can pay off overdrafts.
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
We've got your request for a duplicate statement and it will be with you within a week. You'll be charged £5 for each monthly statement you've asked for.
Don't forget you can view and print your statements for the last 12 months. To view these log onto your personal homepage select your account and click on 'statement'.
Kind Regards,
Lisa Przygocki
Who would you rather be in cahoots with?
Are they trying it on with me?!!
My message was headed Data Protection Act 1998, Subject access request.
I did NOT ask for statements, I used the top part of the S.A.R - (Subject access request) letter in the library!!!
Needless to say I phoned them straight away and put them right
They apologised and promised to sort it out today and said the information would be with me 'shortly'.
Then they said that they would take the £10 out of my current account even though this would have taken me over my limit and incurred yet more charges (or maybe that was what they were hoping for!), in my original message I had asked for it to be taken from my credit card and I stuck to this request, even then they had to check it was ok to do this.
I am not sure whether really are trying it on or whether they just can't be bothered to read their messages properly, even though this is their prefered method of contact.
I had a lot of messages from people trying to get me to pay £5 for each statement. It seems Cahoot might need to brush up on thier DPA training.
I did not have to pay £10. They said this information was free of charge.
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
This morning I received copies of all of my statements for my credit card account with Cahoot, but nothing relating to either my current or loan accounts
Now please correct me if I am wrong, but, The SAR (and the shortened version that I sent through the 'contact us' section) states that the request is for 'My banking history' with them and should, therefore, cover ALL accounts.
They have taken the £10 from my credit card account as authorised and listed it as a duplicate statement fee!(think I must have upset someone as I seem to be the only one they charged ) and so I wonder if their reasoning is that, as the money came out of that account, that is the only one they have to send.
Should I now use the 'contact us' section again and remind them that the request covers all accounts and that the clock is still ticking?
The contact us only gives you a few characters, send them the letter in the template section (the one about non compliance) to the customer service email address.
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
Many Thanks for the help Abby, it is handy to have their email address instead of having to rely on 'Contact Us' which not only restricts what you can say but also seems to take them a week to reply too.
Anyway, email now sent so will await their reply.
Just hoping that they don't decide to close my account because of this as I have Current account, Credit card and Flex loan and no way to pay off quickly
They make me angry when they say that they are going to reduce the amount of my Flex loan 'as a result of your account behaviour with us or another financial organisation' when several 'other finacial organisations' have just informed me that they are increasing my credit limits! (not that they have actually reduced it yet for some reason).
The only problem that I have had with Cahoot for over a year was 3 x £30 charges plus interest made by them for me going over my limit by 53p one month
Oh well, will have to face that bridge if and when it turns up.
If I helpe click on my scales (I think I get points or something).
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
Wonderful! Soon I'll be a Jedi Knight or something.
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
We can confirm that we have today received your request for additional details of charges on your accounts. We have referred your request to the Contact Support Team within cahoot, whom will contact you within the next five working days.
Kind Regards,
Katy Cullen
Who would you rather be in cahoots with?
Not much but at least they answered 4 days quicker by using email instead of 'contact us'!!
Sproggi's DPA request
Reply With Quote
) and so I wonder if their reasoning is that, as the money came out of that account, that is the only one they have to send.
