Lucid vs Cahoot

[lucid]

Hi everyone,

I'm hoping that this is going to be nothing in comparison to what myself and Mindzai are going through at the moment with Lloyds, but unfortunately I've made a couple of minor mistakes with my Cahoot and Smile accounts which means I need to begin this whole process with them.

A couple of months ago I went about £10 overdrawn for one day in my Cahoot account after a payment took a day longer to clear than I expected. So I received a £30 charge and, after contacting them to ask if they would cancel the charge and getting told that they wouldn't, I made sure that I had the money paid in to cover this charge. Now on my latest statement I've seen that I'm going to get charged another £30 on 18th October because my account was overdrawn by £2.24.:o I hadn't realised that my account was overdrawn at the time and had obviously made a mistake. But as I knew that they wouldn't cancel this charge I decided that I best get a preliminary letter emailed to them in the hope that they will pay attention. At the moment I will not have the money to be able to cover this charge when it's taken and so will be taken overdrawn again and the long cycle will begin.

I emailed the prelim letter to contact.us@cahoot.com on 6th October and have asked them to refund the original £30 charge and to cancel the £30 they intend to take on 18th October. So I'm keeping my fingers crossed and am hoping that because it's a relatively small amount that they will go ahead and do this without too much trouble.

I will update any progress as it happens.

Lucid

[Steward]

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[lucid]

Well after two weeks of hearing absolutely nothing from them I have just emailed my lba. Since my prelim email they have taken a further £30 charge which I have now added on to the total. I have also pointed out that section 15.3 of the Banking Code requires them to give a written acknowledgement of customer complaints within 5 working days of receipt - so have prompted them to at least do this on this occasion.

Lucid