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Nici vs Cahoot & EX


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I have PM'd you.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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Thanks Abbey - I don't suppose anyone has any e-mail address??

 

They are now ignoring my calls :(

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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Or does anyone have a good letter I could fax to them....???

 

Saying pay up or the baliffs get called...

 

And does anyone know of a good independant baliffs that I could set upon them?

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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Can you send in the court baliffs? Or prehaps phone the court and speak to them? My local court have been great by telling me what options I have in recovering my money.

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

Link to post
Share on other sites

Just off the top of my head, hows this for a fax? Anyone want to add to this?

 

Dear Sir

I am writing to you with reference to my recent claim against Cahoot in the small claims court. The case number is XXXXX and my account number(s) are XXXXX.

As I am sure you are aware I won the case and I am currently waiting for you to pay me the amount you owe, £XXXX.XX. I have been very patient and given you every opportunity to settle this. I require you to contact me today else I will be contacting the court to recover my money with their services.

My contact details are ……..

Yours faithfully

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

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Share on other sites

The court ahve told me I can re-issue warrant.. and send baliffs in - but I ahve already done this once, and was hoping to get it settled before sending baliffs in again (as they didn't do much last time)

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 Abby - I shall do that tonight... - if they don't get in touch I suppose I'd best get in touch with the court again...

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 also incurred approx £800 worth of charges since filing the claim last year - that I wouldn't ahve got had I got the money when I won the case. Has anyone got any idea of how to ask them to pay up these fees as well.. or should I start a new claim?

 

Thanks

 

Nici

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 started a new claim for the charges I had incurred since I began the first one. Mainly it was because I was paying a whole load of court fees!

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

Link to post
Share on other sites

Thanks Abby - you are a star...

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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Right... see below.. I will send both a fax and an e-mail. Feel free to add/amend... etc..

 

 

Dear Sir/Madam

 

I am writing to you with reference to my recent claim against Cahoot in the small claims court. The case number is xxxxxx..

 

As I am sure you are aware I won the case and I am currently waiting for you to pay me the amount you owe, which now stands at £xxxxxx – I have attached a copy of the spreadsheet.

I have been very patient and given you every opportunity to settle this. I require you to contact me within the next 24 hours else I will be contacting the court to recover my money with their services which will add more cost to your existing debt.

 

My contact details are:

Work: xxxxxxxxxxxxxxxx(9am-4.30pm)

Home: xxxxxxxxxxxxxxxxx (8am – 8.30am & 5pm onwards)

 

Yours faithfully

Nicola Chapman

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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Sent e-mail and fax this morning - got read reciept of e-mail at 11.45 am - no word as yet.... fingers crossed

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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Share on other sites

Thanks everyone... I asctually had a phonecall yesterday at 2.30pm.

 

She remembered my case, and said that a cheque should have been sent out a couple of months ago - she is going to see what ahs happened and cancel cheque so she can send a new one. I am to phone her at 2.30pm today to see whre things are up to... so fingers crossed - I might be getting a cheque very soon :D

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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Share on other sites

woohoo - well done jellybabe.. will be keeping fingers crossed we'll both be smiling soon :D

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.

 

Link to post
Share on other sites

Well done Nicci, wonder what took them so long?

First Direct - £2791.84 received in full and final settlement.

Cahoot - Agreed to settle for full amount of £2024

Abbey National - AQ questionnaire returned and 50% offered

Lloyds Bank - AQ questionnaire returned

Link to post
Share on other sites

They reckon it was sent out.. but spoke to her before. She's cancelled previous cheque (apparently) and processed new payment yesterday - cheque should be with me monday/tuesday :D

 

Then I need to ask about getting my charges back since putting in claim - she suggests I write a letter saying basically -

 

as you are aware - I won the case.. now can I ahve the rest of the charges back.

 

I'm a bit worried about tackling them twice though - I am going to pay off both overdrafts, but I still ahve a credit card and flexible loan with them. Can they close my loan account or credit card account?

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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Share on other sites

i know, i would have some more charges to claim back. But don't really want to tackle them twice, as that would probably mean account closure.Apart from the charges i was happy with my account, so wouldn't really mind keeping it open. Although i do have a parachute account just in case. I also have a Flexible loan and Credit card with them. I don't think they can just close them because of your previous claim, they should be classes as different accounts. I hope! Because i still want to persue some charges on my credit card aswell.

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I have incurred £800 worth of charges since claim filed though - it's a lot and it wouldn't happened - had they not put charges on my account or paid up when they should have done... I don't care about my bank accounts being closed, but didn't know if they could close c/card or flexible laon when I have a balance on them??

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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Share on other sites

Wow, that is a lot more than i have incurred.Although £170 already is a lot of money which they charged me since then.

I would deff go for the rest of it if i was you. Like i said, loan and credit card are 2 seperate contracts i should think. And i wouldn't think they could just close them because of your claim on your current account.

But then, i don't know for sure.

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I have claimed my credit card charges as well... Two current accounts and a credit card - but then if I get the £800 my card shoudl be payed off..

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.

 

Link to post
Share on other sites

I will try and pen a nice letter asking them to give me the charges back seeing as I have already won a case.. I suppose I have a decent case for it seeing as they are 6 months late paying me ....

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.

 

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6270 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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