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.
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barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised
cahoot - £400 - refused refund, LBA sent
marbles - £690 - settled in full!!!!!
citicard - £800 - LBA sent, offered part payment of £372
captial one - £700 - LBA sent, offered part payment of £256
mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response
I obtained a forthwith judgement against them on 30th August which, according to the court, they subsequently tried, and failed, to have overturned. Nor have I received any direct communication from them. I now find myself in the bizarre position of having to take enforcement action....
After hearing what a nightmare Chimera has had it is really putting me off.
They don't seem to have a clue what they're doing.
However probably will raise MCOL next week.
Good luck with yours xx
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barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised
cahoot - £400 - refused refund, LBA sent
marbles - £690 - settled in full!!!!!
citicard - £800 - LBA sent, offered part payment of £372
captial one - £700 - LBA sent, offered part payment of £256
mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response
Ben007 - Have you got a thread somewhere? I would be really interested in everything you have done against Cahoot.
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
I'm just waiting to get paid so i can raise my court action against them.
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barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised
cahoot - £400 - refused refund, LBA sent
marbles - £690 - settled in full!!!!!
citicard - £800 - LBA sent, offered part payment of £372
captial one - £700 - LBA sent, offered part payment of £256
mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response
Hi Lager Lou,No. This is the letter I had back:
I am writing to you in reply to your letter dated 18th September 2006. I have taken ownership of your case in order to provide a response to the issues raised in your letter.
It is 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 were not under any obligation to do so and could have gone to another bank if you did not agree to the charges.
In any event, we do not agree that the charges are disproportionate. The charges are reasonable and proportionate to the administrative costs incurred by cahoot.
Having reviewed the history of your account I can see that in general your account has was well managed and the charges detailed in your letter represent uncharacteristic breaches of our terms and conditions. Given this and the fact that you were a customer for four years I am willing to consider a full refund as a gesture of goodwill.
As a protracted discussion is in neither parties' interest I have now requested for a cheque of the full amount to be forwarded to you at the following address:
xxx
I hope that this resolution is to your satisfaction. Please be assured I have carried out a full investigation for you and I hope you feel I have offered a fair response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file. If you remain dissatisfied though you can find details of how to take your complaint further at legal T&Ts . The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service.
Kind regards
Emma Brookes
Service Relationship Manager, cahoot
I begin my MCOL on Wednesday against them for £1935 so I'll let you know!
JKop Vs Barclays SETTLED JKop Vs Cahoot SETTLED Jkop V Capital One SETTLED Jkop V Marbles SETTLED Jkop V MBNA £422 MCOL Jkop V Egg SETTLED Jkop V Cahoot Credit Card SETTLED Jkop V HSCB £1500 W.I.P!
I agreed on a settlement figure with them for a debt I had with them. I paid the amount to them 18 months ago and the accounts are still showing as open despite being informed in writing twice the debt had been settled and they had closed my accounts!!
I rang again today to chace it up as I want to make sure they're closed before I go for the £380 they owe me . I was told they were happy that the amount agreed had been recieved and they were in the process of closing my account. I then asked how long it took to close an account as I'd paid it to them 18 months ago - silence on the other end of the line
Hopefully they'll now be closed & I can go for my charges back
Halifax 1
WON - £1,355.49 21/07/06
MINT
WON - £273.81 14/09/06
First Direct
WON - £913.50 01/09/06
Capital One
WON - £130.13 03/11/06
Halifax 2
WON - £188.03 01/12/06
Kensington Mortgages ERC
MCOL for £6,204.39 Discontinued
Halifax Mortgage Admin fee
WON - £10.00
Direct Line Mortgage Redemption Fee
WON - £99.00
Halifax 3
MCOL for £109.01 reg 07/03/07
has anyone had any luck against cahoot??
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. I was told they were happy that the amount agreed had been recieved and they were in the process of closing my account. I then asked how long it took to close an account as I'd paid it to them 18 months ago - silence on the other end of the line 
