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.
Just received this response from Cahoot, even though they are out of time by the deadlines I have set:
"I refer to your letter dated 13th December 2006 regarding your cahoot account. I have taken ownership of your particular case in order to provide a response to the issues you have raised.
Firstly please accept my apologies for the delay in responding to you.
We do not accept that the cases that you mention apply in this situation or that cahoot charges are unfair under the Unfair Terms in Consumer Contracts Regulations 1999. The object of these Regulations was not price control nor were they intended to interfere with people's freedom to agree the terms of their contracts.
It is well known that banks make charges and cahoot 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. Equally, you are free to move your account to another bank at any time if you do not agree with 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.
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 within Abbey at legal T&Ts under the heading 'Complaints policy'. The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service.
Yours sincerely,
cahoot Service Relationship Manager.
Does anyone have any ideas how to respond or should I just take them to Court via Moneyclaim?
Cahoot 'Get Lost' letter!
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
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