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Does this sound ok? Dear xxxxx Thank you for your letter dated xx/xx/xx I respectfully decline your offer of settlement by vouchers and request, once again, that you return to me all charges imposed on this account, totalling £xxxx, By cheque or postal order. Further more, I closed my account as I wished to cease trading with yourselves and I DO NOT want it re-opened. You have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully Sproggi

Thank you for the replies, As they only have 4 days left until I am due to send them the LBA, do you think that it would be ok to combine my refusal of the vouchers letter with the LBA somehow? I still cannot believe that they are allowed to just go ahead and re-open accounts like that! Sproggi

Hi, At the begining of the month, I closed my account with a catalogue. I then sent a DPA followed by a prelim on receipt of statements. This morning I received a letter from them containing vouchers as a gesture of goodwill for admin charges. They then state that they note the account is closed and that they can now process an order for me to use the vouchers. It goes on to say that I may close my account once i receive my order and pay off any outstanding amount. Are they actually allowed to re-open this account without my say so? Surely they cannot do this? I do not want to use this catalogue any more and I do not want to accept vouchers. Sproggi

Letter received today confirming that trading statement is on it's way. Don't think it will be much, but better in my pocket than theirs:D Yep Bookworm, lesson well and truely learnt, never trust anyone on the phone:rolleyes: (Hmmm...now wondering about the phonecall the other night that started something like 'congratulations, you have won a fantastic holiday for 2' ) Sproggi

Well LBA went out yesterday and letter refusing offer was due to go out today. Captial One, however, have sent me the offer cheque this morning. Do you think that it would be acceptable to return the cheque with the letter refusing the offer and just add a note to say that I am returning it? Sproggi

Thank you Alan. I have decided to refuse their 'gesture of goodwill' and hold out until they pay in full. Letter declining their offer all ready to go tomorrow. Sproggi

No, don't let them dictate the timetable. It is YOUR action against them, so they need to abide by YOUR timetable. If you have not received your money back from them by next Thursday, you need to send the LBA. Go get 'em Sproggi

Update: Both LBA's ready to be posted today as 14 days were up yesterday. Now Mr Sproggi received the usual letter this morning from Mr Udy saying 'take 4 weeks to look into' etc. Tough!! 2 weeks from receipt of LBA Moneyclaim being filed (unless they pay in full of course). I, however, received a letter from Paula Scott saying she will send me a cheque in next 14 working days for £118 as I have closed my account. I still intend sending my LBA off to them as I have now worked out the interest on the penalties whiich I had not included in my Prelim and I want that back too, also I worked out that I had missed a charge of £20 due to them neglecting to send me one of my statements. If I accept the £118 in partial payment, can I still claim the interest that they applied to these charges? If so, I am not sure how I would translate this onto Moneyclaim if it should go this far. If I refuse this money, would it then compromise my claim? Sproggi

Well done Paul, glad you got a result. Sproggi

Latest email received from them today: Dear Mrs Sproggi Thank you for contacting cahoot in Coventry. We can confirm that we have today received your request for additional details of charges on your accounts. We have referred your request to the Contact Support Team within cahoot, whom will contact you within the next five working days. Kind Regards, Katy Cullen Who would you rather be in cahoots with? Not much but at least they answered 4 days quicker by using email instead of 'contact us'!! Sproggi

Well I missed it:mad: I wouldn't have known anything about it if I hadn't read your post. I have tried looking on their website and all I can find is a passing reference to 'some' package prices increasing in Sept. I have only recently returned to them and am at present only paying half price (for a few more months). Think I might be cancelling again if they are going to wack their prices up:mad: Sproggi

If you want to try speaking to someone in this country, you could ring: 0115 8433939 for Account Enquiries This number should put you through to Nottingham, obviously you will pay for the call though. You could also try ringing the freephone number and insist on being put through to someone in this country. Good luck Sproggi

Cahoot took the money for my CC, I phoned them first and, after checking with his boss, he said 'yes, no problem', I made sure that I took his name and told him that I needed it in case there was a problem. I had already sent a S.A.R - (Subject Access Request) through their 'contact us' first, but phone call seemed to speed them up!! Might be a bit cheeky, but worth a try with others:rolleyes: Just remember to take their names. Sproggi

Thank you for the link NWSM, very useful. Just a slight correction to it though, no 'co' in address so should read: APACS - the UK Payments Association Sproggi