Thanks - got all my ex's info back now: S.A.R for Littlewoods, Great Universal, Empire Stores, Capitol One and Little Personal Fianance credit card. Some came with a copy of the signed agreement. LPF and Empire are fine - nothing on there. Capitol one just has late charges. Great Universal and Littlewoods have loads of PPI and charges. We cancelled the Great Universal PPI and they stopped taking from the next statement. THe same day we cancelled the Littlewoods PPI and the lst 2 statement she has still been charged it. I told her not to re-cancel just yet as it gives more evidence to Littlewoods wrongly applying the PPI to accounts. Total PPI since 2004 of LW and GU - £1600. Total charges (late) since 2004 of CO, LW and GU - £300.

Agreed, they were very helpful on the number 01246 542 500 - checked three for me - 2 were cashed.

Bump....

Is ther any updates on this - I'm due to start mine.

Any update on this please?

Are they within their rights to discontinue the Membership fee assed in favour of the interest? I queried this today. Form 2004 till now I would have paid 582GBP MFA. Instead they cancelled the MFA after 3 months and charged me interest and the amount from 2004 is 1584GBP - 3x the amount. I asked Cahoot today for proof that they sent me the e-mail at the time and asked why the changed from MFA to interest. They said they did a survey and people didn't want MFA but wanted interest charges instead - They didn't survey me!!!!!! I signed up for MFA and as far as I can tell from mt T & C 2004 they cannot change this. A little help?

lol - RESULT

Don't panic - the way things are going all banks will go bust by the time the test case finishes so nobody will get anything back!!!!!

Not sure if you realise but A & L are NOT part of the test case. How on earht can they rely on the OFT test case if they are not part of it????

Tell me.......Have a claim at the moment with A & L who are stating all claims will go on hold, bla bla until the end of the test case.....seeing as they are not part of the test case, how can they rely on this. Roboticboy....

Not sure if you realise but A & L are NOT part of the test case. How on earth can they rely on the OFT test case if they are not part of it????

Not sure if you realise but A & L are NOT part of the test case. How on earht can they rely on the OFT test case if they are not part of it????

Thanks you Sir. So the PDF form you sent is for me to fill out & post to the court - correct? I'm confused about how much I want to claim as I have no idea not even a guess as the info has not arrived.

Does the court supply the N1 form - Sorry for being a pain but I have usually done this through MCOL.

How can it be stayed when A & L are not part of the test case?

Hello - I need to go to court now as they have not responded to the 40 days & alos no reply to the 7 day reminder. Whihc court do I use? Is there a website to find my local one or can I do it online?

..

Can't help as I know I never take out PPI.

Just checking the signature - I found the CP bit

Jellybabe - how do I do a auto signature like your above - I cannot find the tool.

Correct address. I was quite surprised how quick they responed to my Prelim & LBA. Both received by e-mail. Will now issue court claim as they have refused my tiny amount of £123 (over limit fee - due to the dammed interest!!!) They'll recove this is interest within 3 months.

Cahoot do not do fixed rate loans - wwll that was what the Cahoot lady said to me. She advied to go to the Sister company Abbey for a fixed rate. My rate has just gone up to 17.9% from 14.9%. (comes into affect on the 11/08/2008. I pay the standard repayment each month - £110. The interswt alone is approx £63 - it's DISGUSTING!!!! I cannot get a fixed loan as Studio Cards DEFAULTED me. I might "question" the default which will show as "in question" on my Credit file hopefully buying enough time to get a fixed rate loan. I've up-ed my repayments to Cahoot to try & pay this off quicker. I gonna CCA & SAR them on the loan for my own interest but not sure what I can clima as I don't have PPI, no late payments etc. However, I signed up for (ticked box online at application) for monthly fee rather that interest. Worked out to be £9.10 per month versus the Interest at £63 per month. If I signed up for monthly fee how the hell can the change that? I thought the "Consumer Credit Agreement" was there for our protection.

Wow - we'll reading all the threads took most of my evening up!!!!

Interesting - well......if they also agreed to remove my default on my credit rating I would not pursue for the money. To remove the default is worth more to me than £340.00

In the process of taking them to court for Service charges of £340.00 They have ignored all court timelimits & I have entered judgment against them. I have requested (though Money claim online) they pay immediatly & I will give them 2 weeks & then execute a Warrant. I have not signed a CCA with them so how can they charge me interest if I haven't entered into credit agreement with them?????? To be honest I don't know how this will pan out so my advice is wait to see how I get on first.