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Nici vs Cahoot & EX


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Ex left me in an awful position nearly two years ago, with thousands of pounds worth of debts, which I admit I had stupidly taken out in my name, but I did not spend. Anyway.. I have a joint account with him still, because the account cannot be closed until the £1000 OD is paid off... so I am going to ask them for all of the charges back, and pay off the account, and should have money left to pay off other debts with them too.. I have worked out that in the last year alone, on two current accounts and one credit card, I have paid £445 in charges.. should have been more.. but I asked for a couple to be refunded, as they were silly...

I will take cahoot first and them barclays, citi, ge capital, natwest etc... I have been charged so many times.... and just accepted it... Any advice would be appreciated.. I have started by sending them a polite email asking cahrges since the account opened - 2002 i think... will see what they say.. from reading the posts, they may be difficult, but I don't mind.. so long as there is a light at the end of the tunnel... This could actual clear at least a auter of the debt I have now - that would be nice!!!

 

Welcome to the site...

 

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Keep us posted as to how you're getting on.

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As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

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As it's only £2k I can see no reason for splitting it...

 

As to the interest... IMHO... They should know what charges have been levied... Think they should be getting the idea by now ! However, I would probably send the breakdown... But it all depends on how helpful you want to be them and how quick you want resolution... (It's possible they may play ball if you are nice to them...)

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Ooops.. too late.. have split the three up, but sent e-mails of 5 mins apart.. Have atttached a copy of the breakdown with it as well.. lets see what happens now...

 

Can't hurt !

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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IMO with the prelim letter it is worth waiting the 14 days to give them a chance to digest and perhaps (not bloody likely) change their minds... That way you can demonstrate that you have been entirely reasonable in your requests of them...

 

However, another letter letting them know that you do not accept this response and reminding them of your request for a satisfactory response within 14 days of sending (/recieving) original letter...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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