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



+ Reply to Thread
Results 1 to 6 of 6

Thread: Jd Vs Cahoot

  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    JDandCoke Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Oct 2006
    Posts
    4

    Default Jd Vs Cahoot

    Not sure how to start this exactly, but I'm sending off my first letter for the Subject access requesticon being sent today recorded dleivery.

    Wish me luck! I think I'm looking at about £2000 in charges over 3 accounts.

    should this be 3 different claims? or can I claim all 3 (cc, loan and c/a) in one.

    Copy of letter:


    Me
    My address
    Mytown

    CAHOOT
    Abbeyicon NATIONAL PLC
    2 TRITON SQUARE
    REGENTS PLACE
    LONDON
    NW1 3AN

    29th November 2006


    Data Protection Act 1998
    Subject access requesticon


    Dear Sir/Madam

    ACCOUNT NUMBERS: X, X, X

    Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

    Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

    If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

    I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

    If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.
    I would be happy to collect the Data from my local branch.


    Yours faithfully,





    *me*


    Similar Threads:

  2. #2
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    JDandCoke Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Oct 2006
    Posts
    4

    Default Re: Jd Vs Cahoot

    Well, here's an interesting turn.

    I decided to wait to send in the paper request and do a electronic request via their site.

    This is the reply I got from them:

    Thank you for contacting cahoot in Coventry.

    You can view the last 12 months statements online and we can order duplicate statements for you but please be advised that there is a charge of £5 per statement for this service.

    To view your statements log onto your personal homepage and:

    - select your account
    - click on 'statement'.

    Remember you can view and print up to 12 months worth of statements from your personal homepage.

    If you require paper statements then please advise the statements that you require and that you are aware of the £5 per statement fee.

    If you have any further enquiries please do not hesitate to contact us either by secure message / email or by calling 0844 9000 900.

    We are open between 8am and 8pm in the week and between 10am and 6pm over the weekend and always happy to help in any way that we can.

    Kind Regards,

    David Miller
    Who would you rather be in cahoots with?
    Seems they want to charge me £5 per statement. Is this right? can they really do that? or is the limit £10 set in stone.


  3. #3
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Lager_Lou Novitiate Lager_Lou's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jul 2006
    I am in
    Southampton
    Posts
    208

    Default Re: Jd Vs Cahoot

    No this is rubbish. Under the data protection act they are obliged to give you all the information they hold on you, for a fee of £10.

    Threaten them with the information commissioner if they don't comply.


  4. #4
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    JDandCoke Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Oct 2006
    Posts
    4

    Default Re: Jd Vs Cahoot

    Hmmm I thought so. They are a pain. I think I'll send the paper request in and see if they comply.

    Of course I could let them charge me £5 per statement and claim that back too!


  5. #5
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    davehaley Novitiate davehaley's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jul 2006
    Posts
    45

    Default Re: Jd Vs Cahoot

    I just went on the contact us bit and asked nicley for a full list of charges and interesticon and they sent them for free within days.

    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.

  6. #6
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    karens25 Novitiate karens25's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2006
    Posts
    230

    Default Re: Jd Vs Cahoot

    I sent a cheque for £10.00 with the dpa letter which they returned with a full list of transactions on the account for free

    cap one - prelim letter sent 23/8 £460 owed
    partial refund, now sod off letter received 6/9
    lba 5/10, claim served 30th jan,
    CAP ONE SETTLED IN FULL 15thTH FEB!!!


    lloyds card services - prelim sent 23/8 £332 owed
    sod off rerceived 25/9
    lba 26/9
    claim issued via mcol 13/10
    awaiting papers from SC&M
    court date set for 26th March


    nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.
    non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!
    5/10 lba sent for pre action disclosure
    settled in full 2.1.07



    cahoot - Data Protection Act sent 7/8 on hold for a while

    Tesco - prelim sent 6/10 £200 owed


Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE