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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

SAR sent today via 'contact us'. Maybe, by claiming back my money, they will finally understand that I really do want to close my account, something that they do not seem to have taken in despite 2 phone calls:-x Sproggi

Think this might what you would need to read through: http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html Sproggi

Quote: you would know that a cheque is calid for 6 months from the date of issue Sorry NWSM but have to contradict you on this point. 6 months from date of issue may be the case with NW (never banked with them so not sure) but it is not the case with all banks. I wrote a cheque a few years ago at the begining of the month, 6months to the day later it had not been cashed and so I was under the ussumption that this cheque was no longer valid. I was wrong, 2 weeks later the cheque went through causing my account to become overdrawn and thus incurring charges. I immediatly contacted the bank to complain only to be informed that cheques are valid for 6 calander months, in other words, if I wrote a cheque out on 1st January, it would be valid until midnight 30th June, technically giving the business 7 months to bank cheques!!!! In cases like this, who should be held responsable and be made to pay? The bank for not clarifying the term '6months'? The retailer for not banking the cheque within a reasonable time frame? or the account holder for not checking with the bank before assuming the cheque was now invalid? Another quick point that some people might not be aware of: A cheque with a cheque guarentee number written on the back by the account holder themselves, is not technically guarenteed. Sproggi

I read somewhere on this forum (read so many, I can't remember where now!) that someone else had the same problem. They have presumed that charges were added and included thiis to their total. If they want to despute the charges for these dates, they will need to provide the statements and as they are 'unattainable', that would be rather hard! Should these statements miraculously appear, then I think (but not sure) that they would be in breach of the S.A.R - (Subject Access Request) and would be frowned upon by the judge. You've got nothing to lose and 3 months of charges to gain:D Sproggi

Thank you for posting this, I am about to take on Studio and had not thought about using the 'contact us'. Scales clicked. Sproggi

Already did that when I read your post Abby:D Sproggi

Many Thanks for the help Abby, it is handy to have their email address instead of having to rely on 'Contact Us' which not only restricts what you can say but also seems to take them a week to reply too. Anyway, email now sent so will await their reply. Just hoping that they don't decide to close my account because of this as I have Current account, Credit card and Flex loan and no way to pay off quickly:eek: They make me angry when they say that they are going to reduce the amount of my Flex loan 'as a result of your account behaviour with us or another financial organisation' when several 'other finacial organisations' have just informed me that they are increasing my credit limits! (not that they have actually reduced it yet for some reason). The only problem that I have had with Cahoot for over a year was 3 x £30 charges plus interest made by them for me going over my limit by 53p one month:mad: Oh well, will have to face that bridge if and when it turns up. Sproggi

This morning I received copies of all of my statements for my credit card account with Cahoot, but nothing relating to either my current or loan accounts:mad: Now please correct me if I am wrong, but, The SAR (and the shortened version that I sent through the 'contact us' section) states that the request is for 'My banking history' with them and should, therefore, cover ALL accounts. They have taken the £10 from my credit card account as authorised and listed it as a duplicate statement fee!(think I must have upset someone as I seem to be the only one they charged:rolleyes: ) and so I wonder if their reasoning is that, as the money came out of that account, that is the only one they have to send. Should I now use the 'contact us' section again and remind them that the request covers all accounts and that the clock is still ticking? Sproggi

Hi Dan, Clydesdale bank is in with Yorkshire bank: http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/ It does not matter if you signed anything as this is covered by Unfair Terms In Contracts, So yes, claim your money back from them. Sproggi