Cahoot

A question about : Cahoot

Hiya

Does anyone know what I should put in my cahoot secure message to ask for a list of all charges. Can I just ask them to send this to me or should I use a specific wording?

Thanks

Best answers:

• Some people have used Secure Messaging for different banks.
  Personally I would prefer to send a letter, but the main thing is you make it clear that you're making a request under the Data Protection Act for a list of your charges.
• bexterwho, can you keep me updated on how you do with cahoot... I'm currently deciding whether to go ahead with trying to claim back from cahoot too.
  thanks x
• will do. I haven't entirely decided what I'm going to do yet, but once I've got the statements from them I'll see how much is on there and then make a decision. I think its in the region of Ј600. Its on a credit card account and I've just opened a new cc and balance transferred it all over to the new one.
• through internet banking. is that method of correspondance ok for pursuing reclaiming charges ?
• Your probably best to send Cahoot a letter when querying for all your charges.
  However, I use secure messages the seldom times I get charged, and they're quite responsive and give me back my charge as a "goodwill gesture" until this latest knockback I've received :-( Its £30 so I'm probably just going to leave it, although I'm tempted to query why the charge is so high???
• I used Instant Messaging for First Direct, it was ok for the initial stages but First Direct opted to change the process to written mail themselves.
• Anyone claiming from cahoot or that has successfully claimed from them??
• Not many by the looks of things at the moment
• Hi this is the first post ever on here, been reading through, but so many posts on here got a bit lost.
  My question is this, I have took Cahoot to court reclaiming charges on Credit Card Account. With all interest piled up it comes to nearly Ј300o claim. The problem is when I filled out AQ online there was not enough room to say that I wanted the money paid by cheque.
  I don't want Cahoot to pay the money off my credit card Ј3016, because I hae some other debts as well and am using DMA at the moment costing me Ј25.00 a month. Started this before realising I could have got things sorted for free. Also Cahoot will cncel my credit card.
  Question is can I phone or write to the judge asking him, to make sure I am paid by cheque?
• Hi sharmal
  I will put this on the reclaim bank charges thread where people who have been in this position will be able to answer the question, welcome to MSE and keep posting.
• Little confused if the amount you are claiming is circa £3000 but you state that £3016 is "outstanding" on the C.C then all you would only owe cahoot in reality the £16?
  has the defendant indicated that they will attend court? as in reality they likely to settle before the matter is heard.
• So sorry. I am going to court for £2600 plus interest at 8%. With the interest and the time it has taken it will be nearer £3000. I only have £3016 on my credit card, I am £16 over my limit. Cahoot said they would be defending the case. They have not put in their statements to the court, these were suipposed to be in 14 days before the date, and the court still has not received anything from them and told me to wait.
  Yes once it has all gone through and I win I would owe between £16 and £200. But I do have others I am trying to pay off and would like to spread the payment around as at the moment I am skint. Been off work for 5 weeks and do not have any money to pay any one else, also MOT and Tax due on car.
• o.k presuming the defendant chooses to settle prior to court they would reconcile the balance on the card to show what is owed minus the charges, court interest and costs. ( i.e total amont claimed)
  they would then issue a cheque for anything owed in excess of this
  so if the sums you have given are correct then they would subtract the £16 and issue you with a cheque for £2984
  However are there any other complicating factors that you have not mentioned, other than the account is obviously still "live"
• If they do not show on Friday I am going to plea to the judges better side and see if he can issue an order for the money to be paid by cheque. Not received anything in the post this morning and balance on account is still standing.
• Just to let you all know I won my case against cahoot. Got a phone call from Inga at 4.45pm today Tues, getting whole lot charges interest and all court costs.
  YIPEEEEE
  See you can do it as well