Cahoot didn't make any mention of passing it to a DCA and said specifically "We wanted to let you know that we will be clearing the outstanding balance on your cahoot credit card account ending XXXX from 10th December 2014 and closing your account." They go on to say the account has been inactive for a long period of time and an outstanding balance has accrued and then say "As during this period of inactivity we have not been sending you notices or reminders of the outstanding balance, we are waiving payment of this and you have nothing more to pay". It then tells us to cancel any direct debits or contact any DMP providers to stop making any further payments. CCJ was in January 2010.

My wife and I have been on a Stepchange DMP for 4 years - we had over 30 creditors to begin with but now have around 20 and have paid off about 70% of what we owed. One of the remaining creditors - Cahoot - has recently contacted us to say that they are writing off the amount owing (which is £1579) because they have failed to provide us with any statements since the start of the DMP. Looking at the other creditors there are 2 more on there who don't send us any statements either. Is it worth raising this as a complaint with them? If so what wording should we use? They have both frozen all interest and charges so we don't really want to upset them! Additionally my wife received a CCJ at the same time as we set up the DMP and we agreed with the creditor to pay £116 a month on a £9k judgement. They then sold this to Investec who we have paid via standing order ever since. They never ever send us a written statement and rather strangely no CCJ shows up on my wife's Noodle or Experian accounts - there definitely is one, we have a copy of it. Does anyone know if they have to supply a written statement of account for a CCJ?