Thread: Abby Vs Cahoot

Started this one too, sent letter for details of all charges on 14/5/06. I did try requesting the information through the online form but ended up with a whole load of nonsense from them I gave up and wrote instead.

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Good luck

Natalie

Thank you. After reading the other threads and especially the Abbey ones I expect a bit of a struggle getting the data.

I tried three times online (very nicely) and each time I got back stuff about charges notices being altered via my messages and when I tried to explain I got sent to someone else and I had to start the whole process again.

I think I will email them again and ask if they have received my DPA letter and remind them of thier obligations.

Sent a note via the "Contact us" section to remind them of my DPA request.

Sent this yesterday (6/6/06), a bit short but I only had 500 characters.

Further to my letter dated 14/5/06. Please supply me with a complete list of transactions & charges relating to my accounts. A complete set of bank statements for that period will be acceptable. Where there has been any event in my account which has required manual intervention by any member of your staff, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention. If there has been no intervention, then please confirm this in your response.

Had this response today:

Dear Abby

Thank you for contacting cahoot in Coventry.

I can advise that the best option you have is to obtain a copy of your credit
report from Experian which can be obtained online via their website.

However to speed things up you can actually view your statements online to get the information you require.

Kind Regards,

Baldeep Bhambra
Who would you rather be in cahoots with?

I replied with this one which I copied off another cahoot thread, thank you!

Many thanks for your swift response. I must apologise, since perhaps I was not clear enough in my request. I require details of all transactions, charges allocated to my account in particular. As I pointed out in my original request this information is covered by the Data Protection Act, and perhaps, I may respectfully draw your attention to the case of Durant v FSA 2003, in which the judge ruled that bank statement information is indeed personal information and is indeed thus covered.
If you feel unable to acquiesce to this request I shall have no option but to seek the opinion of the Information Commisioner.
Could I request that you deduct £10 from my account and forward the details regarding my account from the time it was opened to the current date.
Many thanks for all your help and assistance in this matter.

Success! I got this today.

Thank you for contacting cahoot in Coventry.

With reference to your email, I have sent you a letter today with the
information you require.

Kind Regards,

Michelle Harris
Who would you rather be in cahoots with?

Should be here in the next few days. I can't see that they have taken £10 though.

Lovely, received details of all transactions today and I have added it all up and will be sending prelim letter tomorrow.

Received the following email today;

Dear Abby,

Thank you for contacting cahoot.

I am sorry that you felt you had to contact us concerning the level of service
that you have received from cahoot. Please accept this e-mail as acknowledgement
that your issues have now been brought to the attention of cahoot's Service
Relationship Managers.

At cahoot, we aim to satisfy our customers at all times. We have a complaints
handling procedure in place to ensure that you receive a quick and fair response
to any complaints you may have about our service. At each stage of the
complaints procedure, the details of your case will be reviewed and fully
investigated. You will be kept informed of what is happening and we will do
everything we can to help you. For a full description of our complaints
procedure, please log into your personal homepage on the cahoot website via
www.cahoot.com. Please scroll down to the bottom of the home page and click
into our 'Important Information' section. Details of our complaints procedure
can be found under the heading "Complaints Policy". This is the seventh legal
notice and can be found immediately after the section which relates to "Third
party websites and products".

It is our policy to acknowledge all complaints within 24 hours (or the next
available working day) and wherever possible to resolve. In the event that
detailed investigation is necessary, we will endeavour to give you a full reply
within 5 working days. In the circumstances where this is not possible, we will
keep you informed of progress regularly.

Yours sincerely,

Service Relationship Team

How kind.

Received this on 28/6/06. lba had already been sent. I do love the "taken ownership" bit.

Dear Abby,

I am e-mailing following your recent letter dated 13th June regarding your
cahoot current account.

I have taken ownership of your case in order to provide a response to the issues raised in your letter.

We do not accept that cahoot's charges are unfair under recent Consumer
regulations. 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'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. 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. In view of this I would not be in a position to refund the charges
you've incurred, fully accepting the disappointment this may cause.

I'm sorry I could not have written on a more positive note but would like to
thank you for taking the time to bring this matter to my attention.

Should you require any further assistance please do not hesitate to contact me
again at service.relationship.team @cahoot.com .

Yours sincerely,

David Freeman,
cahoot Service Relationship Manager.

Received a letter with the email attached as response to my lba. No other response so I started proceedings with moneyclaim on 11/7/06.

The cheek of it! I received this today.

Notice of charges placed on your cahoot current account. Click here...... There has been a charge placed on your current account with account number XXXXXXX. This is for an unathorised overdraft fee of GBP 30.00, unauthorised overdraft interest charge of GBP 0.12 and authorised overdraft interest charge of GBP 4.96. The total charge will be debited on 31-JUL-2006.

I have emailed them asking why they are applying these charges.

yep... I'm going to leave my recent charges for now - don't want to wind them up - or draw attention to fact they haven't acknowledged my money claim yet. I will ask for recent charges when they have paid up. I got charged £25 for a returned standing order of £1. Unbelievable! They didn't even send me an e-mail tell me!!!

I take it cahoot haven't acknowledged your claim then? hmmm... do you think this is tactics???

Never! A bank playing tactics?

I tried to request a judgement on Moneyclaim just now, said I could not as it is not 14 days since issue. I will try later on though.

Originally Posted by Abby

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.

If this is true, then why have cahoot just sent me a message to say that they are reducing their charges from £30 to £12?

Seems to me they have realised that their charges are neither "reasonable or proportionate"

Ahh, but here we are in the magical world of banking where nothing is as it seems and charges can change at the drop of a hat!