This is not correct. A member of staff in a Jobcentre CAN access the full information right down to the actual illness / disability. David

Any thoughts or suggestions please???? David

Since the above, I have requested repayment of charges etc from Alliance& Leicester - this amounts to £680.00. Gone through the various steps and now at the stage of Court Action. However, in the mean time, A & L have put into my account a goodwill gesture of £390.00. I sent them a letter advising them that I do not accept this as a "Full and Final settlement" and also authorise them to remove it. Three weeks later they have not acknowledged my letter (though the Royal Mail website confirms they have received it), and have not removed the monies from my account. My concern is that if I make the claim they will take back the credit thus making my claim incorrect. Or, would forum members agree that I still claim the full amount but mention the £390.00 in my claim. As usual, any advice would be greatfully received. David

Apologies, I should have used the multi-quote facility. Cahoot are taking the loan payments out of a Cahoot current account. There is no direct debit, no standing order, they just take the payments. And obviously, there is no agreement to this either. David

Hi I'm confident that the appropriate letter has been sent in the first place and I've also had a look at loads of threads, there just doesn't seem to be an appropriate second / final letter. David

It is now 24-June-2007 and the 12 days + 1 month have passed. I have been reading thread after thread and can find no definitive piece of follow-up action for what to do next. I have seen much advice and many various letters. Is there actually something specific. Another problem I'm having at the moment is that Cahoot continue to take "repayments" from the curent account and there seems absolutely nothing I can do to stop them - any advice would be appreciated. Many thanks David

Just a quick update. In the last week on two different occasions Cahoot have sent my wife a copy of her Current Account application form from 2002 - which we never asked for. They have also returned her uncashed £1.00 Postal Order. She did write on the 01-June-2007 advising them that due to their continued non-compliance with her request she would be witholding payment but as her current account is with them they still took it anyway She also seized the opportunity to remind them that she does not acknowledge the debt. According to previous posts, she has to wait until 23-June-2007 before we should write again. I'll keep you informed. David

Brief update The day after I submitted my claim I realised I mad an error on the N1 claim with some dates. I decided to leave sleeping dogs lie and sort it out if Argos query it. I received my notice of issue on 31-May-07 advising that Argos had until 15-June-07 to reply. To my surprise on Tuesday 12-June-07 I received a cheque from Argos for the full amount PLUS interest from date of issue to date of settlement amounting to.............................................£327.50.:o My advice to anyone is keep tight to the established sytem on these boards and don't give-up. David

Update On 30-May-07 I received, by Special Delivery a pack from MBNA / Alliance & Leicester containing what I thought would be their defence. Instead, it was a complete S.A.R - (Subject Access Request) with statements, screenprints, copies of correspondence. At last, I can calculate what they owe me I thought; no need, they also included that information as well. Today, another letter arrives containing a "goodwill gesture" of £92.20, my court claim against them for costs and damages for non-compliance with the DPA. They now want me to inform the court that I wish to withdraw the claim. However, I will wait until the cheque clears as I'm sure they would. Despite threatening to defend the indefensible, they didn't !! I can now wait for the outcome of my actual claim now - £680.00 - which was posted today. David

Will do !! Once again, many thanks for your help and assistance in this matter. David

The second paragraph of my letter said........ "I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 by Postal Order, which represents the fee payable under the Consumer Credit Act." Hopefully, that should cover it. David

Just a thought The loan my wife has is a type of rolling acount where she can if she wishes continue taking amounts out of the loan, make a payment, then take more money out etc. If this is the case, should I be refering to Section 78 of the CCA 1974 ?? What do you think?? David

Excellent thread - can't think why I haven't seen it before. Great work to everyone concerned. David

At the moment, Cahoot still haven't replied. Am i correct in thinking I now have to wait until the middle of June (for the extra one month) or is there another letter we should be firing off to Cahoot? David

Quick update........ I phoned Argos on 24-May to advise that I was going to court to issue a claim and if they wanted to make a final offer. I was told that the offer of £175 remained as their full and final offer so I responded with "excellent". Today I attended the Norwich County Court and submitted my claim. Can't say I didn't try !!! David

I love this post - it's brilliant. Scales have been stroked as appropriate !! David

Just a quick update Letter posted on 01-May-07 and according to Royal Mail website, was received by them on 04-May-07. Therefore, come the 16-May-07, I can move forward. As I know there is no agreement, I'm interested to learn what they'll say. David

To be honest, I would just stick to the planned and proven method. It is quite apparent from these boards that Cahoot will only start reading letters when they come in the form of a County Court claim. Best wishes David

Update Letter from the Court today stating that the Defendant filed and Acknowledgement of Service on 10-May-2007 AND that the Defendant has responded to the claim indicating an intention to dafend ALL the claim. Keep you all informed. David

Many thanks for your help and advice - much appreciated. David

Sorry to beg but I could really do with some ideas to my original questions. Many thanks David

It would be something if they licked the stamp but even the franking of the envelope is automated !! David

A First Class Recorded I posted on Tuesday to Cahoot in Coventry arrived today in Bradford !!! It's getting better but why Bradford ??? David

Well done - I thought my claim was going to be difficul but they quickly crumble !!! David

Letter posted !! David