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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.
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 SAR, or just write a casual letter to ask.
If you did not do a SAR 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.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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.
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 SAR, but I never received it. I left it as I thought i would get it with my statements.
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 SAR thing, I've requested by credit agreement be sent again.
If anyone can give some advice I would really appreciate it.
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 SAR, 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.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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 SAR 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?
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.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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?
Thanks for the reply. This is what I have sent them so far:
03/09/07 - letter requesting T&Cs (which they couldn't find)
22/10/07 - SAR letter
13/11/07 - letter of non-compliance (including section asking for my credit agreement under the cca)
12/02/08 - Letter requesting cca (letter N) from which they have sent the £1 back
Right Cahoot's time is up, I have received no credit agreement. Do I now go straight to the court process, i.e. fill out an N1 form using the POC for the 'DPA - non compliance'?
Cahoot loan any1? - they can't find the T&Cs!
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.
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Re: Cahoot loan any1? - they can't find the T&Cs!
Originally Posted by KennyVinegar
Re: Cahoot loan any1? - they can't find the T&Cs!
