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What should I do next?

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Ok not sure what to do next, so any help would be much appreciated….


Basically I've set a few emails to Cahoot and they have offered me £300, I replied to them saying I would accept the £300 and would they please pay it into my account. I made clear however that I would still be pursuing for the outstanding money.


They wrote back reiterating their position and explaining to take the matter further I would have to write to their 'Stage 2' complaints department.


Following that email the money hasn’t been paid into my account and so I wrote the letter below again to Cahoot customer services.




Dear Cahoot


Further to my correspondence I still firmly believe that that the regime of 'fees' which you have been applied to my account over the last four years in relation to exceeding credit limits and late payments on my loan and so forth are unlawful at Common Law, Statute and recent Consumer regulations.


I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.


From the records provided I have calculated you have taken £650.00 plus £141.78 which you have charged me in overdraft interest for the sum which you have taken. Total £791.78


I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.







I sent this letter by recorded delivery yesterday and I recieved this response today...


Dear Crazybob


Thank you for your recent letter.


I would like to reiterate that we don't accept that cahoot's charges are unfair

or unlawful and we don't agree that the charges are disproportionate. The

charges are reasonable and proportionate to the administrative costs incurred by



As previously stated I'd like to offer to refund £300 of the charges incurred as

a gesture of goodwill. If you wish to accept this, please advise me via e-mail

stating that you accept this in settlement of your case and that you will not be

taking any action against cahoot through the courts.


If you do not wish to accept this and want to escalate your complaint you will

now be required to write to the Manager, Regulated and Final Stage Complaints.

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


PO Box 911

Central Milton Keynes



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


E14 9SR


If you have any further queries or wish to discuss anything in greater depth,

please do not hesitate to contact me via e-mail at:



Yours sincerely,




What should I do now though...?


Should I do nothing, wait 14 days and then file against them, or should I write to ‘Stage 2’ complaints explaining the situation and tell them if they don’t respond in 14 days then I’ll take matters further.


Will it reflect badly on me if it goes to court and I didn't take the opportunity to write to the 'Stage 2' complaints department, who might possibly have offered me a more agreeable settlement.

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If it was me, I'd write and say "thanks, but your offer is not acceptable. You now have 14-days (or whatever) before I get legal on your ass" (or words to that effect).


Can't imagine it would go against you, because you are maintaining the dialog of offer and counter-offer. It's just that you've been unable to agree, which is why you are now presenting yourself before the court to decide who's right. Of course, the bank would have paid up 100% of the claim Looooonnnnngggggg before you got to court...

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850


The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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