Thread: 121o121 v Cahoot **WON**

Well here we go again. After sucessfully claiming against lloydstsb, I'm now going through my credit cards one by one.

Am I correct in think that I can ask for the SAR by logging in and clicking "contact us"? That may save me a £10 cheque that way?

And if anyone has done this, have you done the whole template as in the letter, or just scaled it down?

Regards

Similar Threads:

• 121o121 v Halifax CC ***SETTLED IN FULL***
• 121o121 'vs' Lloyds TSB (again) ***WON***

SAR made using their online "E-Messaging" system.

Yes.. I did it this way - though you will have to shorten it to fit it in...
Well done on Llyods.. I'm trying to get some dosh back for my OH from them... Just awaiting statements

Well to be honest the judge sped things along by ordering an allocation hearing this wednesday. That prompted Lloyds to settle early.

Good luck with them, i'll follow your thread.

Thanks

I sent it by letter in the end as I received no answer with the 2 emails.

I have today received my account information made under the Subject access request. They have returned the cheque to me aswell, so thats another one to cross out of my cheque book (unlike the Halifax).

Now I've got the hang of claiming from banks but credit cards are new to me so bear with me please.

Looking through my account statements I can see numerous charges.

I pressume "billed deferred finance charges" and "billed finance charges" are my interest entries as I cannot see them anywhere else?

By the looks of things my claimable charges are marked "overlimit charge assessment & charge for late payment".

I hadn't realised how much this would add up to. I think I'll need a new yellow highlighter pen!

I have today sent my prelim letter off for £551.00.

What is interesting is that one charge listed is direct debit reversal (manual). That charge is for £40 where as the others are all £25. Why did they write "maunual" next to it? Are all the others automated?

A question on its way to the service relatiopnship manager.

My word Cahoot, that is impressive.

I have today received a letter (dated the 14th) declining my request for a refund.

No surprises there then!

I have been advised that should I wish to continue my complaint, I need to write to Abbey's Stage 2 complaints team.

Apparantly the stage 2 team will carry out its own investigation.

Really? You won't just copy and paste four paragraphs of text under my name and address after the 12th day?

They go on to say "Should I choose to seek legal redress, neither Cahoot nor Abbey, will be held responsible for the fee's you incur.".

And all signed by a Mr Andrew ******

Have just completed the MCOL stage.

I will start to familiarise myself with the court bundle now.

More work entailed, but an enjoyable learning curve.

Hi Mark

I haven't challenged the "manual intervention" entry on my charges statement yet. I've decided to leave it until preparing my court bundle.

I have taken the step set out by Cahoot, that I should complain to Abbeys stage 2 team. I know it's a wasted letter, but will be good to submit it in my bundle when the time comes.

Regards

This morning I received both a "Notice of Issue" from Northampton county court, and a letter from Abbey telling me their investigation has taken longer than expected as they want to research it fully. I should hear from them again within 4 weeks.

Playing the waiting game now then until a defence is entered.

Claim number 7QZ10585 incase any mods want to put me in their "litigation in progress" catagory?

claim acknowledged 6/2/2007

Hi there,
I'm about to send my SAR off, can't remember my on-line log-in details, so want to send it by post. What address did you send it to? I read somewhere that recorded delivery items can't be sent to PO Box's
thanks

Hi Longleigh10

I've not sent any documents recorded/special delivery, and they have all got their ok.

The address I have used is:

Cahoot
Friars House
P. O. Box 1981
Coventry
CV1 2ZD

Hope this helps....

Received Acknowledgment of Service through via post this morning.

I addressed my claim to Cahoot, however Abbey have their details on the form. The full name of the defendant on the form is:

TS6 BO3 (Bank Charges Team)
Abbey National PLC

Abbey National House
2 Triton Square
Regents Park
London
NW1 3AN

They intend to defend all of the claim, and signed by James Arrandale (Abbeys Solicitor).

Anyone else got the same Solicitor?

I have today, received the following letter from Abbey.

Dear 121o121

121o121 -v- ABBEY NATIONAL PLC
CLAIM NO. *******

We are in the process of reviewing this claim and preparing our response. A defence will be filed in due course.

In the meantime, we note that you have claimed the sum of £656.46 in respect of charges that you say have been made on your Abbey account. How ever, you have provided no details as to how this sum has been calculated or your bank account number. Similarly, you have not provided details of the £105.46 claimed by way of interest, showing how that amount is made up with reference to each charge.

As you will appreciate, you will need to produce evidence to the Court regarding these amounts, and this information should have been supplied by you when you filed your claim. We should be grateful if you would provide such details to us as soon as possible.

It would also be helpful at this stage if you can provide e-mail and telephone contact details to us.

We look forward to hearing from you.

Yours faithfully

Abbey National Plc

I will respond by sending them my schedule of charges and interest spreadsheet, with a covering letter along the lines of:

Dear Abbey

I write in response to your letter dated 6th February 2007, in which you ask for details of how my claim against Cahoot has been calculated.

I can confirm that Cahoot has already received two copies of my schedule of charges. Additionally, after receiving their final response, I was advised to continue my complaint to youselves. I did this by way of letter on 27th December 2006, and included my schedule of charges document. You were also given Cahoots reference for your benefit. Nevertheless, I shall forward you these details again.

As my claim was filed online at www.moneyclaim.gov.uk, I was unable to attach additional information/documents. These will be forwarded for the courts benefit with my completed allocation questionnaire once you have entered your defence, and my claim has been transferred to my county court.

At this point, please be advised that I am claiming unlawful charges on a credit card, not a bank account.

Yours faithfully

121o121

Any comments on the above? I take it this standard with Abbey claims?