Anonymouse vs Cahoot

[anonymouse]

Hi All

 

After sending my Prelim letter to Cahoot two weeks ago I got the standard response so today e-mailed them my LBA, giving them 28 days to respond (I'm going away over Xmas).

 

Anyways, I got a second e-mail back pretty much immediately saying the following:

Dear Anonymouse,

 

Thank you for your email dated 6th December 2006.

 

I can confirm that cahoot's position remains unchanged from my email dated 6th December and we are unable to consider the refund that you have requested.

 

if you wish to continue with your complaint you will now be required to write to Abbey's Stage 2 complaints team. This department is an autonomous body within Abbey who will review your complaint on an independent basis. If you decide to write to them please state that cahoot has issued its final response in relation to this matter and please quote my name so that the relevant paperwork can be quickly obtained.

 

Stage 2 Complaints

Abbey

PO Box 911

Central Milton Keynes

MK9 1AD

 

Stage 2 Complaints will review the details of your case and carry out its own investigation. In the unlikely event that you are still dissatisfied you can write to the Financial Services Ombudsman at the address below.

 

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

Should you choose to seek legal redress, neither cahoot nor Abbey, will be held responsible for the fees you incur.

 

If you have any further queries or wish to discuss anything in greater depth, please do not hesitate to contact me.

 

Please be assured I have carried out a full investigation for you and I hope you feel I have offered a fair response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file. If you remain dissatisfied though you can find details of how to take your complaint further at legal T&Ts . The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service.

 

Yours sincerely,

 

Andrew Starling,

cahoot, Service Relationship Manager

 

I presume I can ignore their "Stage 2 Complaints Team" and now go on to the next stage? And am I right in thinking they've just waived their 28 days notice and I can file an MCOL today?

 

And finally... Should I mail Mr Starling once I file the MCOL with all the details?

 

Thanks all

[Lager_Lou]

Up to you really - I personally waited the whole 14 days after the LBA so that when I go to court I can tell the judge that before bringing action I had given them 28 days to try and sort it out. Frustrating playing the waiting game I know (because they won't pay out) - which is why not everybody does wait.

 

And no - I wouldn't bother informing Mr Starling

 

Whatever you do, good luck and keep us informed

 

Lager Lou

[anonymouse]

I'm feeling brave, bring on the MCOL today!

 

Thanks Lou

[anonymouse]

MCOL filed, now I play the waiting game...

[anonymouse]

So it got to 14 days, and I filed for judgement by default, which I got. Do I wait, or send the bailiffs in now?

[anonymouse]

Actually, thinking about it, is there a letter template anywhere I can use to send Cahoot a letter saying "Send me the money before I get the bailiffs in" ?

[Lula]

I wouldnt send the baliffs in just yet, they are going to request a set aside do you know who their legal team are? a quick look on this forum should tell you, when you find it ring them and just say what your name is and that you are ringing about case ref XXXXX and see what they say, they my admit that they forgot to file a defence and ask if you would be prepared to consent to a set aside and as much as it is a pain in the backside, the judge will allow it.

 

If they offer settlement then wooo hooooo

[121o121]

hi anonymouse

 

any developments with your claim?

[anonymouse]

Yes!

 

Mailed customer services and said "Oi! Give me my money!".

 

Well not quite, but something like that. Anyways, this got forwarded to the legal team, and I got a mail from Inga stating that they had no details of my case and could I mail the claim and judgement to her.

 

Did this, chased a couple of times and was told a cheque was in the post. Got home last night and there was a cheque for the full amount waiting on the doorstep. Well impressed Will donate once it clears!

[121o121]

I assume this is now a "settled in full thread"?