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Abby

Abby Vs Cahoot

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Started this one too, sent letter for details of all charges on 14/5/06. I did try requesting the information through the online form but ended up with a whole load of nonsense from them I gave up and wrote instead.


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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Good luck

 

Natalie


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Thank you. After reading the other threads and especially the Abbey ones I expect a bit of a struggle getting the data.


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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Thank you. After reading the other threads and especially the Abbey ones I expect a bit of a struggle getting the data.

 

Interesting... I sent them a nice note online.. just asking for the charges... they sent them out to me within two week.. free od charge... I think it depends who reads them and how they feel on that day, at that hour!!!


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 tried three times online (very nicely) and each time I got back stuff about charges notices being altered via my messages and when I tried to explain I got sent to someone else and I had to start the whole process again.

 

I think I will email them again and ask if they have received my DPA letter and remind them of thier obligations.


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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Sent a note via the "Contact us" section to remind them of my DPA request.


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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New to this but first letter requesting bank charges in the post today. Might need help folks as this thing progresses.

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Sent this yesterday (6/6/06), a bit short but I only had 500 characters.

 

Further to my letter dated 14/5/06. Please supply me with a complete list of transactions & charges relating to my accounts. A complete set of bank statements for that period will be acceptable. Where there has been any event in my account which has required manual intervention by any member of your staff, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention. If there has been no intervention, then please confirm this in your response.


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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Had this response today:

 

Dear Abby

 

Thank you for contacting cahoot in Coventry.

 

I can advise that the best option you have is to obtain a copy of your credit

report from Experian which can be obtained online via their website.

 

However to speed things up you can actually view your statements online to get the information you require.

 

Kind Regards,

 

Baldeep Bhambra

Who would you rather be in cahoots with?

 

I replied with this one which I copied off another cahoot thread, thank you! :)

 

Many thanks for your swift response. I must apologise, since perhaps I was not clear enough in my request. I require details of all transactions, charges allocated to my account in particular. As I pointed out in my original request this information is covered by the Data Protection Act, and perhaps, I may respectfully draw your attention to the case of Durant v FSA 2003, in which the judge ruled that bank statement information is indeed personal information and is indeed thus covered.

If you feel unable to acquiesce to this request I shall have no option but to seek the opinion of the Information Commisioner.

Could I request that you deduct £10 from my account and forward the details regarding my account from the time it was opened to the current date.

Many thanks for all your help and assistance in this matter.


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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Success! I got this today.

 

Thank you for contacting cahoot in Coventry.

 

With reference to your email, I have sent you a letter today with the

information you require.

 

Kind Regards,

 

Michelle Harris

Who would you rather be in cahoots with?

 

Should be here in the next few days. I can't see that they have taken £10 though.


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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Lovely, received details of all transactions today and I have added it all up and will be sending prelim letter tomorrow.


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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Received the following email today;

 

Dear Abby,

 

Thank you for contacting cahoot.

 

I am sorry that you felt you had to contact us concerning the level of service

that you have received from cahoot. Please accept this e-mail as acknowledgement

that your issues have now been brought to the attention of cahoot's Service

Relationship Managers.

 

At cahoot, we aim to satisfy our customers at all times. We have a complaints

handling procedure in place to ensure that you receive a quick and fair response

to any complaints you may have about our service. At each stage of the

complaints procedure, the details of your case will be reviewed and fully

investigated. You will be kept informed of what is happening and we will do

everything we can to help you. For a full description of our complaints

procedure, please log into your personal homepage on the cahoot website via

http://www.cahoot.com. Please scroll down to the bottom of the home page and click

into our 'Important Information' section. Details of our complaints procedure

can be found under the heading "Complaints Policy". This is the seventh legal

notice and can be found immediately after the section which relates to "Third

party websites and products".

 

It is our policy to acknowledge all complaints within 24 hours (or the next

available working day) and wherever possible to resolve. In the event that

detailed investigation is necessary, we will endeavour to give you a full reply

within 5 working days. In the circumstances where this is not possible, we will

keep you informed of progress regularly.

 

Yours sincerely,

 

Service Relationship Team

 

How kind.


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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Received this on 28/6/06. LBA had already been sent. I do love the "taken ownership" bit.

 

Dear Abby,

 

I am e-mailing following your recent letter dated 13th June regarding your

cahoot current account.

 

I have taken ownership of your case in order to provide a response to the issues raised in your letter.

 

We do not accept that cahoot's charges are unfair under recent Consumer

regulations. 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. In view of this I would not be in a position to refund the charges

you've incurred, fully accepting the disappointment this may cause.

 

I'm sorry I could not have written on a more positive note but would like to

thank you for taking the time to bring this matter to my attention.

 

Should you require any further assistance please do not hesitate to contact me

again at service.relationship.team@cahoot.com .

 

Yours sincerely,

 

David Freeman,

cahoot Service Relationship Manager.

 


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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Received a letter with the email attached as response to my LBA. No other response so I started proceedings with moneyclaim on 11/7/06.


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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The cheek of it! I received this today.

 

Notice of charges placed on your cahoot current account. Click here...... There has been a charge placed on your current account with account number XXXXXXX. This is for an unathorised overdraft fee of GBP 30.00, unauthorised overdraft interest charge of GBP 0.12 and authorised overdraft interest charge of GBP 4.96. The total charge will be debited on 31-JUL-2006.

 

I have emailed them asking why they are applying these charges.


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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yep... I'm going to leave my recent charges for now - don't want to wind them up - or draw attention to fact they haven't acknowledged my money claim yet. I will ask for recent charges when they have paid up. I got charged £25 for a returned standing order of £1. Unbelievable! They didn't even send me an e-mail tell 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.

 

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I take it cahoot haven't acknowledged your claim then? hmmm... do you think this is tactics???


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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Never! A bank playing tactics?

 

I tried to request a judgement on Moneyclaim just now, said I could not as it is not 14 days since issue. I will try later on though.


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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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.

 

If this is true, then why have cahoot just sent me a message to say that they are reducing their charges from £30 to £12?

 

Seems to me they have realised that their charges are neither "reasonable or proportionate"


Story so far...

 

BOS - Student account - preliminary request letter sent

 

Cahoot - Current account - list of charges totalling £420 recieved

Cahoot - Credit card - list of charges totalling £200

 

Mint - Request for list of charges made by telephone and letter.

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Ahh, but here we are in the magical world of banking where nothing is as it seems and charges can change at the drop of a hat!


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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True True... Abby.. how far did you have to go with First Direct to get your money back??


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 moneyclaim case, they acknowledged and said they intended to defend. I received an offer from the solicitor for 50% which I rejected and then they offered me the full amount. No allocation questionnaires or anything.


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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oohh... LBA goes out to them on saturday!! Sorry for mentioning FD on Cahoot thread.. but just noticed your sig...

 

When was your claim deemed recieved as it is 14 days from this date, not the date you entered your claim.


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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Yeah I checked that last night as the same thought hit me! It was issued on 17th so I have to wait until the 31st. I think I can do it at 4pm.

 

Which address did you use to serve the papers to?


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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Received a letter from DLA Piper Rudnick Gray Cary. This is what it says.

 

Dear Madam

 

Yourself -V- Abbey National PLC (sued as "Cahoot")

Northampton County Court - Claim No: 6QZ457993

 

We act for Abbey National plc in this matter. Please note that any further correspondence should be addressed to us at this office.

 

We are in the process of reviewing this claim and preparing the Bank's response. A defence will be filed in due course.

 

In the meantime, we note that you have claimed the sum of £1531.49 in respect of charges that you say have been made on your Abbey account, but have provided no details as to how this sum has been calculated. We also note that you have claimed and additional £272.67 in interest but again have provided little detail as to how this figure has been calculated.

 

As you will appreciate, you will need to produce evidence to the Court of both these amounts. This information should have been supplied by you when you filed your claim. We should be grateful if you would provide such details to us as soon as possible.

 

We should add that if you have any doubts or corncers regarding your legal position you should consult a solicitor or Citizens Advice Bureau.

 

Yours faithfully

 

The letter is unsigned although there is an email address of someone called Paul.


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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