Cahoot loan any1? - they can't find the T&Cs!

[KennyVinegar]

Hello everyone

Just wondering if someone can help. I wrote to Cahoot a few weeks ago asking them for a copy of my T&Cs from when I took out my loan in March 2003. They wrote back saying they don't actually have them so can't send me any. What do I do now??!

Has anyone else tried to get PPI back off Cahoot? I didn't know I was paying PPI until May this year and I'm finding this process difficult because it was purchased over the internet. I've not finished paying off the loan yet either.

[hellhasnofury]

Originally Posted by KennyVinegar

Hello everyone

Just wondering if someone can help. I wrote to Cahoot a few weeks ago asking them for a copy of my T&Cs from when I took out my loan in March 2003. They wrote back saying they don't actually have them so can't send me any. What do I do now??!

Has anyone else tried to get PPI back off Cahoot? I didn't know I was paying PPI until May this year and I'm finding this process difficult because it was purchased over the internet. I've not finished paying off the loan yet either.

Hello KV,

You are still paying the loan and you do not have a copy of the terms and conditions of the premium.

Did you send a Subject Access Request, or just write a casual letter to ask.

If you did not do a Subject Access Request send one now. A full sar asking for every piece of information they have on you. There are a few kicking about the ppi forum. If you can't find it give me a shout.

[KennyVinegar]

I sent a template letter from moneysavingexpert.com, which just asked for the T&Cs.

I'll send a Subject Access Request, thanks for your help

[Hopeful1]

Hi KennyV. I'll be interested to see how you get on with Cahoot. They are next on my list for a S.A.R. I'll also be checking for PPI as well as charges.

[KennyVinegar]

I got my response today from cahoot - all they've sent me is a list of the payments I've made to my loan since it's been open (including the PPI) and a standard letter basically saying 'ok, you've asked for your statements so we know you're going to ask for your bank charges back but you're not going to get them'. WHat's THAT got to do with my loan?!?!?! And surely there should've been some more information with my statements - like my agreement for example??! Is there anything else I should have received? In fact. they said they'd send me my agreement before I sent them the Subject Access Request, but I never received it. I left it as I thought i would get it with my statements.

What should I do now?

[KennyVinegar]

Wondering if someone can help me again...
When I took out my loan I had been in permanent employment for less than a month, previously to that I had been on temporary contracts (at the same company), lasting from 4-6 months at a time. Does this mean I have been mis-sold the PPI? Sorry but I find it difficult to get my head round what the T&Cs say.
Also, I have been on anti-depressants for over 7 years, so surely if i claimed for time off with stress (not that I've had any) I wouldn't be covered because I had this condition when I took out the loan and the PPI? I don't recall being asked about illnesses but then again as I did it all on the net I'm not sure I would remember anyway.

Futher to the Subject Access Request thing, I've requested by credit agreement be sent again.

If anyone can give some advice I would really appreciate it.

[hellhasnofury]

Originally Posted by KennyVinegar

Wondering if someone can help me again...
When I took out my loan I had been in permanent employment for less than a month, previously to that I had been on temporary contracts (at the same company), lasting from 4-6 months at a time. Does this mean I have been mis-sold the PPI? Sorry but I find it difficult to get my head round what the T&Cs say.
Also, I have been on anti-depressants for over 7 years, so surely if i claimed for time off with stress (not that I've had any) I wouldn't be covered because I had this condition when I took out the loan and the PPI? I don't recall being asked about illnesses but then again as I did it all on the net I'm not sure I would remember anyway.

Futher to the S.A.R - (Subject Access Request) thing, I've requested by credit agreement be sent again.

If anyone can give some advice I would really appreciate it.

Hello Kenny,

Please read around the ppi forum, you will get info regarding ppi and mis-selling. It is also important to try and get your heard around the terms and condition you have regarding ppi.

If they have not sent your credit agreement with the Subject Access Request, send a non-compliance letter (bank template letters),

Consider also sending a request for your ca under the cca you will find the letter to send in the general debt forum in the stick Creditor template letters, you need letter N. It costs £1 and of course there are legal timelimits.

[KennyVinegar]

OK, thanks hhnf, I'll have a look for those.

[hellhasnofury]

Originally Posted by KennyVinegar

OK, thanks hhnf, I'll have a look for those.

Data Protection Act - Non-Compliance - Template Letters

Creditors and DCAs - Letter Templates & Budget Planner Letter N

Good luck and ask if you need help

[KennyVinegar]

Its been a while, life has been too hectic since xmas.

Cahoot have still not sent me my credit agreement. The last letter I sent them was the non-compliance letter on 13th Nov. After this they sent me some more information but still no cca.

Should I know send them the letter stating they have still not complied and if they don't within the next 7 days then i'll start a court order? I feel I've given them enough chances to supply me with this though as I asked for it 2 or 3 times before I sent out the official Subject Access Request letter.

I'm also a bit confused as to whether I start a claim with moneyclaim or complain to the financial ombudsman, which would be the best route? Does anyone know of any threads where someone else hasn't received their cca and has pursued it via the courts?

Thanks

[hellhasnofury]

Originally Posted by KennyVinegar

Its been a while, life has been too hectic since xmas.

Cahoot have still not sent me my credit agreement. The last letter I sent them was the non-compliance letter on 13th Nov. After this they sent me some more information but still no cca.

Should I know send them the letter stating they have still not complied and if they don't within the next 7 days then i'll start a court order? I feel I've given them enough chances to supply me with this though as I asked for it 2 or 3 times before I sent out the official S.A.R - (Subject Access Request) letter.

I'm also a bit confused as to whether I start a claim with moneyclaim or complain to the financial ombudsman, which would be the best route? Does anyone know of any threads where someone else hasn't received their cca and has pursued it via the courts?

Thanks

Hello,

Did you send them the legal request under section 77/78 of the cca.

Creditors and DCAs - Letter Templates & Budget Planner Letter N.

By law if you send this, they must comply.

[KennyVinegar]

Hi hhnf, sorry I didn't realise you'd replied.

No i didn't send Letter N, just the non-compliance letter. I'll send it tomorrow and see how that goes.

Thanks again for your help

[KennyVinegar]

They've sent me my £1 back! Still no sign of the CCA yet though. They've got til the end of this week....

[hellhasnofury]

Originally Posted by KennyVinegar

They've sent me my £1 back! Still no sign of the CCA yet though. They've got til the end of this week....

Hello KennyV,

You just send the £1 fee back straight at them and tell them to send you true copy of the CA. Let them know you are serious

[KennyVinegar]

In the letter though it stated that they were sending it me back because CCA information was free. Should I still send it back?

[KennyVinegar]

Right their time is up and I haven't received anything, I've been having a scout around the forums for what to do next but it's a bit confusing. Is it right that I now wait another month and then it becomes a criminal offence? Is there a letter I should send them stating this?