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Update, after a long slog, Cahoot offered me 500 pounds, I more than likely could of continued and got the full amount back. But I stopped at 500 from a possible 1000, though this was a gesture of goodwill according to Cahoot

Cahoot have no decided to ignore me, so I have filled out a claim against them.

I sent a reply via email "Hi, Thanks for that standard reply, now I am sure I have seen that reply elsewhere, oh yes, you sent it to everyone with the same enquiry. So basically, in less garbled words, your telling me to put up or shut up, move on to another bank. Do you tell all your customers who are not happy to "go away" sounds like a great business plan. So much negativity in your email to me, even IF you did charge fair amounts in which you obviously believe, how can you expect anyone to take you seriously when the only positive in your email is the first two words and the last two "Thank You" and "Your Sincerely" As appose to Yours? That's fine, you have basically tried to dust me under the mat in hope I would blow away. Simple, I will just be forced to claim this back through the courts. Lee Prescot" Guess it's time to get serious

Yes it's shocking, I am appauled by the standard reply that basically tells me to put up or shut up.

Christ so I got a standard reply, Cahoot's service manager used a pre type email, he didn't even take his time to write a personal reply. Thanks for showing me that.

Think I should send the 2nd letter before court action or that reply good enough to justify sending a small claims? Cahoot have disgusting service, last year they sent me an email with most of my banks details, the only thing missing was my password, other than that they sent the lot via email. My Address, name, age, telephone number, credit card number, my works email address and telelphone number. Took them pest part of 3 months to sort that out and offer a decent apology.

Got a reply to my letter sent via post, Cahoot's reply was via email. "Dear Mr ******, Thank you for your recent letter regarding charges on your cahoot credit card account. We do not accept that the cases that you mention apply in this situation or that cahoot's 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'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. For the above reasons I will not be refunding any charges. I am sorry that I cannot be writing on more of a positive note and apologise for any disappointment that this may cause. If you require any further assistance please do not hesitate to contact me. Your sincerely *** *********** cahoot Service Relationship Manager" I find that email some what rude, or is it just me? Basically Cahoot are telling me to go away.

Nothing relaised what it was... ignore this

I have taken the first step, I have wrote a letter giving them 14 days to pay up basically. They received it today and sent me an email to say this is being looked in to. Will keep you posted

Yes the total is 1500 over 2 years, I have started with a letter. That's a crazy amount, on a few occasions they have charged me 25 pounds for not honouring a 10 pound direct debit..

Any help would be great

Hi, Just found this site, very interesting, and made me look back through my bank statements, in the last year I have paid Cahoot 670 pounds in charges on my current account and 175 pounds on the credit card. That's a total of £840 pounds, for me that's over 2 months rent. I admit I have struggled over the last year, because of the arrival of my daughter in November 2004. So do you think I should contact Cahoot and try to reclaim some of those charges, has anyone challanged Cahoot before?