Thanks for your reply, i live in scotland is this still the same form i fill in ?

Please Help,

Hi guys really hope i havent left things too late, been away for a few days, NO REPLY whatsoever with regards to my last letters, what is my next option, cheers, and thanks till eye die

Ok guys, Letter sent, not sure where to go from here, sorry for needing spoon fed but thanks again

BOTH SENT 20/02/08 I got the standerd letter back 3 Weeks Later stating nothing was happening due to test case, I pointed out that the test case did not effect Credit Cards i never got a Reply, I Pointed out AGAIN it did not effect Credit Cards and Got The Previoustly Posted Reply on the 24th Apr Dear Sir or Madam, Re. Account number: XXXXXXXXXXXXXX I am writing to request that you repay all the late payment fees and/or over limit fees that have been applied to my account. I do not believe the charges reflect the true cost to Cahoot and are unfair and disproportionate. I am therefore requesting a refund based on the Unfair Terms in Consumer Contracts Regulations 1999. This is supported by the Office of Fair Trading’s April 2006 statement into credit card charges, which noted that the level of charges at the time, and prior to that period, were unfair. I request that my complaint continues as it is not covered by either of these arrangements. The FSA Waiver states - “We are making this waiver by consent available only to providers of current accounts with overdraft facilities. The test case aims to establish legal certainty on the lawfulness and fairness of charges levied by current account providers for unauthorised overdrafts.” THE OFT Agreement states – “The OFT has initiated an investigation under s.224 of the Enterprise Act 2002 into the fairness or otherwise for the purposes of the Unfair Terms in Consumer Contract Regulations 1999 of certain terms contained in each Bank’s personal current account arrangements…” As my complaint is not in relation to current account provisions and you are not authorised to suspend my complaint The charges total £250.00, plus as I believe I have been unlawfully deprived of the money I have calculated £99.51 interest at the statutory rate, the amount the court will award. I therefore ask that you repay me the full amount of £349.61. I have attached a full schedule of the charges and interest with this document. I look forward to a full response to this letter within 14 days. Yours faithfully, XXXXXXXXXX Charge Value Date Interest Total £25 01/09/2002 £10.95 £35.95 £25 01/11/2002 £10.62 £35.62 £25 01/12/2002 £10.45 £35.45 £25 19/12/2002 £10.35 £35.35 £25 01/01/2003 £10.28 £35.28 £25 01/02/2003 £10.11 £35.11 £25 20/02/2003 £10.01 £35.01 £25 01/03/2003 £9.96 £34.96 £25 20/03/2003 £9.86 £34.86 £25 19/08/2004 £7.02 £32.02 Total £250 £99.61 £349.61 AND Cahoot Friars House Coventry CV1 2ET Dear Sir or Madam, Re. Account number: XXXXXXXXXX I am writing to request that you repay all the default charges that have been applied to my account during the past six years from the date of this letter. I do not believe these charges reflect the true cost to Cahoot of going into unauthorised overdraft. The charges total £905.00, plus as I believe I have been unlawfully deprived of the money I have calculated £301.31interest at the statutory rate, the amount the court will award. I therefore ask that you repay me the full amount of £1206.31. I have attached a full schedule of the charges and interest with this document. I look forward for a full response to this letter within 14 days. Yours faithfully, XXXXXXXXX Charge Value Date Interest Total £20 12/08/2002 £8.85 £28.85 £25 20/08/2002 £11.02 £36.02 £25 20/09/2002 £10.85 £35.85 £25 20/10/2002 £10.68 £35.68 £20 04/11/2002 £8.48 £28.48 £20 15/11/2002 £8.43 £28.43 £25 20/11/2002 £10.51 £35.51 £25 20/12/2002 £10.35 £35.35 £20 03/01/2003 £8.22 £28.22 £20 09/01/2003 £8.19 £28.19 £25 20/01/2003 £10.18 £35.18 £20 21/01/2003 £8.14 £28.14 £25 20/02/2003 £10.01 £35.01 £25 20/03/2003 £9.86 £34.86 £25 20/04/2003 £9.69 £34.69 £25 20/05/2003 £9.52 £34.52 £25 20/06/2003 £9.35 £34.35 £25 20/07/2003 £9.19 £34.19 £25 20/08/2003 £9.02 £34.02 £25 20/09/2003 £8.85 £33.85 £25 20/01/2004 £8.18 £33.18 £25 20/02/2004 £8.01 £33.01 £25 20/03/2004 £7.85 £32.85 £20 08/06/2004 £5.93 £25.93 £25 20/06/2004 £7.35 £32.35 £25 20/07/2004 £7.18 £32.18 £20 04/08/2004 £5.68 £25.68 £20 18/08/2004 £5.62 £25.62 £25 20/08/2004 £7.01 £32.01 £25 20/09/2004 £6.84 £31.84 £25 20/10/2004 £6.68 £31.68 £25 20/05/2005 £5.52 £30.52 £30 20/06/2005 £6.42 £36.42 £30 20/07/2005 £6.22 £36.22 £30 20/08/2005 £6.01 £36.01 £30 20/09/2005 £5.81 £35.81 £30 20/10/2005 £5.61 £35.61 Total £905 £301.31 £1206.31 THANKS

Ok Guys this is where the help is requiered First Replay Dear Mr XXXXXXX, I’m contacting you further to your letter regarding your cahoot credit card account. We do not accept that cahoot charges are unfair under the Unfair Terms in Consumer Contracts Regulations 1999. The object of these Regulations was not price control nor were they intended to interfere with people's freedom to agree the terms of their contracts. It is well known that banks make charges and cahoot charges are in line with those of other banks. The terms and conditions of the account and the charges that apply are clear and fair and were provided to you at the time you opened it. You freely agreed to the terms and conditions and the charges when you opened the account. You were not under any obligation to do so and could have gone to another bank if you did not agree to the charges. Equally, you are free to move your account to another bank at any time if you do not agree with the charges. In any event, we do not agree that the charges are disproportionate. The charges are reasonable and proportionate to the administrative costs incurred by cahoot. I've considered this matter carefully and am not in a position to refund the charges you've incurred. Please be assured I have carried out a full investigation for you and I hope you feel I have offered a fair response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file. If you remain dissatisfied though you can find details of how to take your complaint further within Abbey at http://www.cahoot.com/legal/legal.html#importantInfo under the heading 'Complaints policy'. The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service. Yours sincerely, David Freeman cahoot Service Relationship Manager Told them I wasent happy 2nd Reply Dear Mr XXXXXX, Thank you for your recent e-mail. I’ve again considered your complaint and do feel that the charges are fair. 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 Please be assured I have carried out a full investigation for you and I hope you feel I have offered a fair response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will assume that everything is resolved and will close your file. If you remain dissatisfied though you can find details of how to take your complaint further within Abbey at http://www.cahoot.com/legal/legal.html#importantInfo under the heading 'Complaints policy'. The complaints policy also explains your ultimate right to refer your complaint to the Financial Ombudsman Service. Yours sincerely, David Freeman, What is my next step, again thanks for your help Tilleyedie

Thanks Guys, i have not got a clue !!

Hi All currently me Vs Cahoot, for £1500, no sure what im doing so may need your help soon