Thank you phantom just had a reply to my e-mail threating them with court.

Dear Mr *********

Thank you for contacting cahoot in Coventry.

I can confirm that bank charges are yet under review to confirm whether they are unfair.

Please remember, the onus of the running of the account is the account holder's

responsibility. Therefore you must ensure that there are sufficient funds in

your account to cover any payments or direct debits that are due.

As advised in our previous email ' If you remain dissatisfied though you can find details of how to take your complaint further within Abbey at http://www.cahoot.com/legal/legal.html#importantInfo under the heading 'Complaints policy'. The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service.'

this is the fourth e-mail from them, this one is now beginning to show a change of tone, the last three said in no uncertain terms bog off, hmmmm

I have just replied again telling them they have 14 days to return a measley £90.00 or see them in court. Also told them to look at my banking history with em, never, never have I incurred bank charges in all my time with em.

Keep ya posted

Happyhippy

I have a Cahoot current account, which thankfully is not my main account. I have four other bank accounts and have never been charged for anything in over 15 years of banking. Well near christmas I was out shopping and forgot my credit and debit cards, my daughter wanted an urgent present so as luck would have it my Cahoot debit card was in my jacket. I new I had a £250.00 overdraft and so proceeded to take out the balance that was left and some of the overdraft. Well xmas eve computer just dies, very busy at work and other commitments and yesterday managed to purchase new system and install. Well to my surprise I find e-mails by the dozen from cahoot nothing important on them except to say charges applied to account. When I finally find my log in I am horrified to find that with the interest it put me over the limit. £30.00 from December to March total £90.00. I have today sent a cheque to cover the overdraft and the possible o/d fee for this month. When I contacted them to justifiy this charge, I was met with the usuall you should have read the fees etc.

I am going to follow the advice of this site and ask them to refund me these extoranate charges. I have not asked for the interest back.

Do I stand a chance or should I just put it down to bad luck. First time in 32 years I have ever received a charge on any bank, credit card or other.

For £90.00 is it worth it????? What happens if I lose in the small claims court, can they ask for legal costs???