Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 28th September 2006 13:06 #1
    BSC BSC is offline
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    Default Is this a chink in Cahoots armour?

    Yesterday I sent a secure message to Cahoot telling them the £30 excess overdrafticon fee they had charged me was unlawful.

    To that I got no usual "our charges are fair........." but an almost instant message telling me the charge was refunded.

    My thought is that may set an example and also may give me greater leverage when I get round to claiming all my charges back from them.

    Your thoughts please...............

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  2. 29th September 2006 22:20 #2
    davehaley davehaley is offline
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    Default Re: Is this a chink in Cahoots armour?

    I tried this originally but they refused, in light of my claim and the 2 charges they will be taking from my account this month end i will try it again.

    Cahoot
    Prelim sent 2nd Aug 2006 - usual "if your not happy then sod off" reply.
    LBA sent 25th Aug 2006 - another "if your not happy then sod off" and an offer to refund £130, accepted as partial settlement, used to pay for MCOL
    MCOL filed on 15th Sept 2006.
    Acknoledged 26th Sept 2006
    Defended 12th Oct 2006 in a letter to me but not to the courts
    Started judgement by default on 30th Oct 2006

    Barclaycard
    Citibank
    Halifax sent S.A.R - (Subject Access Request) on 09/10/06 nothing back yet
    Capital one
    etc..........watch out here I come.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE