Ok thanks.

They say their client is Santander.

I will try and keep this as short as I can. I had a bank account with Cahoot. The last time anything went I to the account was Feb 2009, that was tax credits, they confirmed this. They have been applying charges every month, month after month. I have not heard from them for some years, I have always denied this debt. In 2011 I element to the financial ombudsman, with the complaint that these charges were being applied to the account and I do not recognise to hem. The FOS said to hem hey were applied fairly, even though I have never been notified about them, something I find hard to believe. Cahoot have not contacted me, and in August 2015 they defaulted me. I spoke to the Information commissioners office regarding the default. They confirmed it had been applied unfairly, and should reflect the time the default took place. I complained to Cahoot, who confirmed the last time anything was paid in was early 2009, and the account was in arrears from March 2009. Cahoot have reluctantly corrected the date of the default to September 2010, based on a phone call in early 2010 with me saying I was taking the issue to court. They refuse to out it back to when the default happened. The first default letter was sent to me know August 2008. But they have told me they decided not to act on that one. Cahoot told me in a call, that they know why I want it put to 2008 when the original default was issues, as it means it will drop off my credit file straight away..... I am now being chased by Westcott, I received a letter today. As stated I have always denied this, now it seems that as Cahoot have changed the default date from Aug 2015, to Sept 2010, they have passed this disputed debt to a DCA. What options do I have here. This debt is solely bank charges, of which I knew nothing about. Thanks Bob

The new keeper had to sign it though. Hence sending it to him to sign and Tax. When I got the replacement vehicle I was given the whole V5 to fill my part in and send off. I got the replacement the week before.

Hi, Unsure what I should to here. I sold my car on 6th March 2013. I was in the process of getting the private plate removed, so I did not have the log book at the time of sale. Car sold, and buyer came to pick it up on the 6th March. The tax was due to expire on the 31st March. I received the log book back from DVLA, on the 18th March (with the mow old VRN on) and sent it the same day to the new keeper with details filled in and signed. He asked me to send the logbook so he could tax it, where the PO will take the logbook off him and send to get the vehicle registered in his name. I called DVLA the following morning to let them know I had sold it, and was asked to put it in writing, which I duly did. 4-5 weeks later I received a tax reminder letter. I called DVLA and told them I had sold it and informed them in writing. I was again asked to write in. This time I wrote in, and filled out the back of the tax reminder, sending a copy of the bill of sale detailing the new keepers detials again. I received an acknowledgement in June saying they had updated theor records. Ok finally!!!! Today I have received a letter from "Collectica" saying I have to pay £80??? I called them to say that the vehicle was sold on 6th March, to be rudely told that I must pay them and they will keep sending letters and calling until paid. This will increase, and will result in bailiffs. My partner is furious at this whole situation, and DVLA. I have just called DVLA to ask what is going on, their failure to update their records is not my issue, I dont key in the details, why did they not do it when I tild them in March? To be told to "Please put your concerns in writing" ARGGGGGGGG..... What should I do here? Thanks in advance....

Is there a tamplate I can use, the letter in the link refers to being on benefits, and hardship etc. I have read somewhere there is a rule about levying charges upon charges. This is what has happened here. I can change the letter in the ling, but then I dont think there will be any substance to it, and dont want to quite different rules if I am not sure. Also they will probably ask me for an income and expenditure form , and see that I am not in real financial hardship, although I was out of work in 2010 for 3 months.. Thanks Bob

I am not in receipt of benefits, and not in financlai hardship. I just object to them charging me every month for years without informing me, letting me log onto the account, and not answering my complaints over the years. Then having the gall to demand full payment otherwise they will default me...

It is charges, and only charges. I have been arguing this, wrote to the CEO's office, and they say there is nothing they can do as the FOS have ruled in their favour, and it has cost them. .... BUT, what the FOS ruled for was that the account was opened correctly, nothing to do with the charges that have gone on month after month. .. Thats my point, and also that they have not been informing me. They are going to default me in 3 weeks unless this has all been paid. I tried to call collections yesterday, and I failed security because I could not name one og the DD's that was on, back in 2006!!! So they wont speak to me. I am getting very frustrated with these people, they dont listen to you and dont address the underlying issue. They wont answer why I have not been notified, apart from that it will have been on my online banking, that will be the one they removed from me years ago!!!! I am fed up with them. I guess they will dafault me, so how do I go about a BCOBS complaint? They have not looked at any other complaint I have made, so cant see this one being looked at properly. Thanks Bob

3-4 years ago. I dont actually know for sure as I have no statements, and they wont let me login to the account.

I had a case with the FOS, where I questioned the legality of the opening of my Cahoot current account. I did not sign anything, I had a credit card a few years earlier, and as I had signed that, the FOS deemed it acceptable for Cahoot to open a current account 3 years later using the same signature from three years earlier... Well as this has been going on and on, Cahoot have been charging me £30 + interest a month. They took away my online login, so I could not login to the account since 2009. I have not received anything from them for over 2 years. Just before xmas I got a letter saying it was £4,300 O/D..... I again questiones these charges, why have they not been informing me, to be told I have a login to service the account, I explained I have not had it since 2009, as it was taken away, and was told that the charges will remain. Got a letter last week, 28 days and a default will be registered..... I again called them and asked for more information on these charges, and was told that as this had been to the FOS, who had upheld the complaint (That was actually on the opening of the account though) Cahoot said there is nothing they can do and the account must be paid in fill within the 28 days otherwise I will get a default.... I have made numerous complaints about these charges over the years (going back to 2005) and am told each time "They are being looked into, your reference is xxxxx" At one time I had 13 complaints running all for the same reason, none of them answered, just closed... I dont know where to go here, I have emailed the CEO office, who said that they have had to pay for my initial complaint to go to the FOS, the full balance is now due, which is increasing on a monthly basis, and a dafault on 21 days or so... Any suggestions?

Well I have had another reply from FOS. They have enclosed a copy of the Credit Agreement. It states (which they have highlighted) "The Cahoot Account consists of the credit card and the cahoot current account" So when I signed for the credit card in 2000, I was infact signing for a current account aswell, that Cahoort didn't open for over 2 years, when they made a mistake on the credit card. I was advised that 2 agreements shoulkd have been signed, but have now found out that is for accounts opened before 2007. "The Cahoot Account" agreement that I signed was aboloshed in 2007. I opened the credit card in 2000, and the current account was done in 2002. Looke like I will have to find £4k somehow. £4k of charges aswell....

Hi, Yes the account was used. The charges are for going overdrawn. Which have gone on month after month. I have questioned them all. I never received a response to any of them. I stopped using the account years ago now, and the DR balance is from these ridiculous monthly charges ever since.

Well further to the above, I contacted Cahoot, and spoke to someone who was very helpful. He agreed that a second agreement should have been signed, and could not understand how a current account was opened without one. He then confirmed that he could see this had indeed gone on for years, and was dgoing to try and sort it out. He called back 10 minutes later to say there was nothing they could do as it is with the FOS...... Who are telling me something completely different, and are no help. I have asked for a face to face meeting with the FOS and Cahoot..... Lets see...

Old post I know... But who did you speak to as I am in a similar position here. I had a credit card with them, which I soigned an agreement for in 2000. Cahoot opened up a current account in 2002, without me signing anything, and sent me a card. They have applied charges month after month, and it now stands at 4K OD. I have complained to the FOS and they say the agreement I signed in 2000 for the credit card also stands for the current account that THEY opened in 2002. Madness... I need to sort this out asap, and was wondering who you spoke to. Thanks

I have had a reply from the FOS today saying that as I signed an agreement for a credit card in 2000, the same agreement is also applicable for any other accounts opened in the future... REALLY!!!! Surely I would have to sogn a new agreement for a current account.... Cahoot's agreements had for credit cards and current ac****s on them, so a one for all agreement. But surely I would have to sogn another one to be in agreement with the account upened 2 years later, and also for a current account not a credit card... I am :mad2:over all of this.. Basically Cahoot have not responded to my emails/calls/letters, apart from each one saying "we are looking into your complaint" or "your complaint has been escalated" Whenever I chased them up, they opened a brand new complaint:mad2:. In the meantime they have been slapping £30 + interest onto the account. Now £4k..... I simply cant pay this, I have not used the account for 3 years, as they were not getting back to me...