Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
After getting into a few financial problems a few years ago, I finally decided to get rid of the problem (the ex). I bought him out of the house & borrowed enought to pay of the debts. However, as I didn't have enough to pay them off completely I agreed a % with them - around 70%ish for each one.
In Cahoots case this has left a £55 debit balance on a current account that almost 3 years later, despite telling me 3 times they've corrected it with the CCA's, is still showing on my credit reports. They have notified CCA's of changes to my loan and credit card account & these are showing as settled & closed.
I have been writting to them on and off for almost 3 years about this now. The last 'lot' of letters started in April & I've rec'd the odd reply but only to tell me to forward a copy of my credit report as they can't find any record of it!?
I've read I can get a court order to make them move this incorrect information - does anyone know how I do it & what wording I need to use?
I've also contacted the CCA's which are no help whatsoever!
Any help would be really appreciated.
Cheers
Ellielou
Halifax 1
WON - £1,355.49 21/07/06
MINT
WON - £273.81 14/09/06
First Direct
WON - £913.50 01/09/06
Capital One
WON - £130.13 03/11/06
Halifax 2
WON - £188.03 01/12/06
Kensington Mortgages ERC
MCOL for £6,204.39 Discontinued
Halifax Mortgage Admin fee
WON - £10.00
Direct Line Mortgage Redemption Fee
WON - £99.00
Halifax 3
MCOL for £109.01 reg 07/03/07
I have removed your 2 other threads on this. Please stick to one thread.
Have you made an official complaint to Cahoot and received an answer? Have you been in touch with the ICO? Have you served a section 10 notice on Cahoot?
Sorry about that - I wasn't sure of the right place to post my query.
I haven't submitted an official complaint, nor have I contacted the ICO - I'm guessing this should be my first actions?
Halifax 1
WON - £1,355.49 21/07/06
MINT
WON - £273.81 14/09/06
First Direct
WON - £913.50 01/09/06
Capital One
WON - £130.13 03/11/06
Halifax 2
WON - £188.03 01/12/06
Kensington Mortgages ERC
MCOL for £6,204.39 Discontinued
Halifax Mortgage Admin fee
WON - £10.00
Direct Line Mortgage Redemption Fee
WON - £99.00
Halifax 3
MCOL for £109.01 reg 07/03/07
Okay, I would give Cahoot one last crack at it and give them a date by which to resolve it. If they don't get the ICO involved. I will warn you that they are not the fastest to respond.
Your other option is of course court but you ned to have been seen to have exhausted all other avenues first.
Cahoot
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