Thread: JuryMan Vs Cahoot

Hi guys

I have a cahoot loan in default registered on my CRA files for the sum of just over £11k at the time of default (August '06).

I probably received a DN at that time, but was in a bad was in my life an simply ignored my debts. (I've a few other threads about those...).

My question here is what to do next with this one. I've had no communication to or FROM Cahoot since the default whatsoever - they've not chased this in close to 3 years, nor (as far as I can tell) passed it on to a DCA.

I've not CCA'd them or anything yet as I don't want to wake the sleeping beast until I have to - but I'd like to try and get the default removed, perhaps with a F&F settlement of some kind. Naturally I'd like to know whether I technically have to pay them anything at all (an unenforcable CCA for example).

From reading other threads, it seems Cahoot generally have their house in order - the agreements are generally watertight, and they generally produce them if demanded to.

I don't want to CCA them to only start them off down a road chasing the debt.

Can someone give their opinion on what they'd do next?

yeah that was an option for sure - I just dont like the damn default on my CRA files...

after the statute barring, will the defaults be removed too? Or can cahoot then "adjust" the CRA file somehow?

I noticed that some banks close one account (marked as "settled" for example) that you might have defaulted on, and they "open" another account which they default you on - with some date inbetween (hope this example makes sense).

IE, can cahoot wait 5.5 years, "close" that file on the CRA's, then "open" another record which they default me on, thereby resetting the clock?

The same with a debt collector - can they not "create" a default? I've a default from Aktiv Kapital for example - where the original debt is a HSBC debt... Can the Debt collector not wait 5.5 years then register the default or debt?