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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Thoma -v- Cahoot


Thoma
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Sent my LBA on 11th July 2006 and have just received the following reply via email:

 

Dear Thoma,

Thank you for your recent letter.

I can confirm that my previous e-mail is cahoots final response on this matter. Please send your claim form to me at the following address:

Private & Confidential

Lee Loftus

Service Relationship Manager

cahoot

Friars House

Coventry

CV1 2ZA

Yours sincerely

Lee Loftus

cahoot Service Relationship Manager

 

Do I still have to wait until 25th July before starting my claim in case they change their mind or should I process my claim now ?? I'd appreciate any advice thanks.

 

By the way cahoot are now reducing my flexible loan limit, which I rarely use, following their interest rate increase following my first letter, seems like they're trying to fight back ?!? :|

 

Cheers, Thoma

 

7th June: Data Protection Act sent to cahoot

21st June: Request for repayment

11th July: LBA

18th July: Final reply from cahoot ??

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I hope they don't try and do that to me... have about 7k with cahoot, will be claiming back 2.7k. Will pay off overdrafts and some of credit card. Just flexible loan which is up to it's limit of 3k... grrr... well, if they do, I'll just have to pay it off monthly - at least I won't be tempted to spend more on it!!

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Here is a copy of my latest email from cahoot informing me about changes to my flexible loan account:

 

Dear Thoma

On 17 July, we sent you an email with the subject 'Important message about your cahoot

flexible loan' to advise you that we are going to reduce the credit limit on your

flexible loan.

Unfortunately, the new limit we advised you of may be incorrect. We apologise for any inconvenience caused by this error. We will therefore send you a new secure message on 25 July with details of your correct flexible loan limit. This new limit will be applied to your account on 26 July. No changes will be made to your account before this date.

From the 25 July, to read your secure message please log in to your personal homepage at Banking online in the UK from cahoot and click on messenger inbox. For your security, details of your new limit will only be available on your message board. After 26 July, when your new limit is applied, you will be able to see your new available limit on your flexible loan account status page.

Your new flexible loan limit will not be less than your current outstanding balance.

You will not be expected to make any extra payments and should continue with your normal minimum monthly payments. We regularly review lending limits and these changes have been made as a result of your account behaviour with us or another financial organisation.

Regards

Harvey Griffith

Head of Customer Contact

cahoot

 

For you Chimera the green statement is good, however from my point of view what's all that about ?? the part that I've highlighted in red !!! I've never had any problems with my accounts with any financial organisation other than asking cahoot for their charges back !! I think I'm right in saying they are trying to fight back ... incidentally the 25th July is the end of the 14 day period prior to moneyclaim !! :rolleyes:

 

Cheers, Thoma

 

 

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Thorma,

 

I had exactly the same email and I have not even asked for my info yet! (Too scared that they will close my accounts leaving me to find around £10k).

 

Previous to this email, I had one informing me that they were reducing my flex loan and that I had suffiecient funds available in my account to cover this, thereby not incurring any charges. I promptly contacted them to enquire where they got their figures from as they were totally incorrect. Still awaiting a reply.

 

It looks like they are sending these emails to everyone.

 

Sproggi

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well.. thanks for the reassurance, although it doesn't really help you does it. At the end of the day, they will be the ones missing out. Are you planning on staying with them? or moving to another bank?

I am planning on geting my credit file back in shape, paying off some debts, and then consolidating all my debts with egg. Spoke to them a few months ago, trying to extend my loan, and they were great - they actually had a debt helpline, and gave some really good advice - anyhows, enough of that.. cahoot are probably being funny with you, but if it doesn't bother you - let them be.. Annoying as it is - they are being quite laughably petty

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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I didn't get the e-mail.. but I have noticed cahoot are strange like that... they don't e-mail everyone, and certainly not at the same time. Has anyone got the one about credit card penalties being reduced - mine arrived at about 3.30 this am

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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I have a parachute account all set-up with First Direct but my main banking is done in a Barclays joint account.

 

I opened my cahoot account at a time when my finances were a lot less healthy; two mortgages, ongoing divorce etc. Hence I incurred the charges I am now reclaiming ... banks like to kick you when you're down by increasing your initial debt at every opportunity.

 

In the past I have consolidated with egg and I must admit they've been pretty good, offering payment breaks (obviously adding interest at the same time) but good all the same. I also had an egg credit card which quickly became a 'bad egg' following the end of their initial low interest period, again though it was easily transferred across to the loan.

 

Best of luck anyway,

Thoma

 

Yo

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  • 2 weeks later...

Filed my claim using Moneyclaim on Thursday 27th July 2006, just sitting back and waiting to hear from them now ... with fingers crossed !!

Subsequently closed my "flexible" loan account and in process of transferring my banking to First Direct.

 

Best of luck to fellow pursuers!

 

Cheers

Thoma

 

7th June: Data Protection Act sent to cahoot

21st June: Request for repayment

11th July: LBA

18th July: Final reply from cahoot ??

27th July: Filed claim online

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Thoma,

 

watch out for first direct. They are great if you stay in your balance, but are terrible for charges (unless that has changed since I left).

 

Good luck with MCOL. I have got hudgement by default - but still heard nothing...

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Thanks for the advice Chimera, I "intend" to stay in credit with First Direct and will see how it goes. Plus I get £50 for opening the account, not that it will go far if I start going in the red !

Best of luck with your judgement, keep us posted with your outcome .....

 

7th June: Data Protection Act sent to cahoot

21st June: Request for repayment

11th July: LBA

18th July: Final reply from cahoot ??

27th July: Filed claim online

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will do mate.. I'm hoping to keep in the black too.. luckily I have a longstanding account with HSBC. I thought about closing it last year.. Glad I didn't... luckily for me, they have always been quite pro-active at my branches, so have no problems with them really. I found the customer service excellent at FD until I started experiencing financial difficulties...

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 1 month later...

Quick update ..... had a couple of letters from Cahoot's solicitors (DLA Piper etc.) stating they did not have details of how I calculated the charges.

 

Replied same day via email and got confirmation of receipt.

 

29th August received 50% "Without Prejudice" offer from solicitors stating how they wish to reach settlement to reduce further costs and prevent us having to file the Allocation Questionnaire.

 

Decided to refuse their offer but on 31st August received the Allocation Questionnaire anyway.

 

Now in process of refusing their offer via email and will wait a couple of days before returning the allocation questionnaire to see whether they've had a change of heart.

 

I'll keep you all posted on progress.

 

Cheers, Thoma

7th June: Data Protection Act sent to cahoot

21st June: Request for repayment

11th July: LBA

18th July: Final reply from cahoot ??

27th July: Filed claim online

29th August: Received 'WITHOUT PREJUDICE' offer of 50% refund

31st August: Received Allocation Questionnaire from Northampton County Court

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Received offer of 75% of claim today from Cahoot via email, must say I'm tempted when I see all the stuff that may follow my allocation questionnaire.

Wouldn't know where to begin compiling all the paperwork, case notes, etc.

 

Any advice would be welcome ..........

 

Cheers, Thoma

 

7th June: Data Protection Act sent to cahoot

21st June: Request for repayment

11th July: LBA

18th July: Final reply from cahoot ??

27th July: Filed claim online

29th August: Received 'WITHOUT PREJUDICE' offer of 50% refund

31st August: Received Allocation Questionnaire from Northampton County Court

13th September: Received another 'Final' without prejudice offer of 75% of claim

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Congrats to anyone that has actually managed to successfully get into the Cahoot secure messaging online banking thing! I've had a loan account which ends in February 08 (but who's counting!) and have never once been able to access it. They send things to me, "Please check your secure messages" I would but I've never been able to access them. Phone them up, "Can you confirm your security details?" No, you've never bothered setting them up. So, no idea what is owed on my account, and they are also the only bank taht cannot changea direct edbit date (probably to make sure that for the next 4 months they can charge me penalty fees for missed direct debits until my 4 weekly pay cycle catches up with that date).

 

Roll on the day this loan has been paid off - I don't begrudge paying back the money, but I do begrudge the ridiculous secure messaging system they have!

 

I hope everyone gets what the need from this bunch.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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