Reclaim Unfair Bank Charges Discussion Area

Katuska wrote:

Fair enough, then you really don't have to wait on them, file your claim.

ok, is that through the moneyclaim site?

I got this email from cahoot this morning after sending in LBA - does any one have experience of this and what should I do. Do I write to the address below or just go to MCOL after allotted time?? HELP!

Thanks so much.


Thank you for your letter dated 29th January which I received this morning.

I appreciate the points you've raised in your letter and can confirm that the charges levied contribute towards our costs for administering delinquent and overlimit accounts. cahoot's Debt Management Team are dedicated to ensuring that accounts are brought back within their agreed limits and make arrangements and manual payments to clear arrears.

I've considered this matter carefully and am not in a position to refund the charges you've incurred. This is my final response in relation to this matter.

If you wish to escalate your complaint you will now be required to write to Abbey's Stage 2 complaints team. 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
Abbey
PO Box 911
Central Milton Keynes
MK9 1AD

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
London
E14 9SR

If you have any further queries or wish to discuss anything in greater depth, please do not hesitate to contact me.

Yours sincerely,

Mike Quinn
Service Relationship Manager, cahoot

I appreciate the points you've raised in your letter and can confirm that the charges levied contribute towards our costs for administering delinquent and overlimit accounts.

This is a small revelation from Cahoot. They have pretty much shot themselves in the foot with any future defence as they've unwittingly admitted unlawfully charging.

Matty73 wrote:

Bank: Halifax
Amount Claimed: £1,100
Amount Back: £1,000

Intially said no to my claim, but then when I said I'd have no problem with going to court and adding interest they offered me £500, I said no to that as I didn't feel it was fair enough then they offered me £1,000 so I took it!

Matty.

Currently £42,000 in debt could no longer cope, contacted CCCS and now I'm working to sort everything out a long road......but worth it!!!
_____________________________________________________
Hello Matty,
It was seeing your signature bits that makes me want to add my congratulations. Have had trouble finding how to post my own success but think this is the thread I need to add to.
Although I am on Benefit, I have just(I think)managed to give the recommended 5% donation of my refund to the Consumer Action Group, whose support has been simply outstanding.
Good luck for the future and keep going.
You know you will always find support here among msers.

Bibsy wrote:

I'm slightly confused by the exact terms used - on the guidelines on this site it says you can't claim back for 'Account Service Charges'. I have charges of approx. £5 per month dating back 4 years labelled as 'Account Charge' - am I to assume that I can't reclaim these?
Also, if anyone has any general tips for dealing with Lloyds in particular, I'd be very grateful!

You cannot claim back these £5 charges. See the LLOYDS THREAD for peoples experiences with this bank.