bump back up..hoping summer or Vint or anyone else ....can maybe tell us what to do next ...can we deal with Cahoot now its passed to Debt Managers ?

hi there...sorry to bother you all again... I sent off a subject access request to Cahoot copying in debt managers asking for details of data they hold on their systems. I advised my partners previous addresses however they have replied after approx 30 days saying : "after locating your customer folder it appears that the address we have for you is different from the address on the letter that you sent us. If you can login to your cahoot personal homepage and update your address details then send us your request again we will produce and send out the access request for you. if you are unsure of your login details please call us on 0844... and we will help you with this process. Im not sure what to do for the best : - partner told them her previous addresses in the letter asking for SAR - theyve had a £10 postal order already and they want us to re-request - theyve obviously passed debt onto debt managers so im not sure who to correspond with - partner has no information on account numbers or logins i'm happy to pay the debt for partner once they deduct ppi payments plus interest but i dont want my partner to in any want acknowledge the debt until i'm sure its ok to do so. Anyone got any suggestions what our next steps should be ?

Thanks Vint1954, thats brilliant i found the letter so i'll get that sent off.. last questions promise...would you send the letter and £10 postal order to Cahoot themselves rather than Debt managers Ltd ? I was thinking i'd send it to Cahoot and just send a copy to Debt Managers to hopefully avoid Debt Managers chasing her ? The address i have on the bottom of the credit agreement is an abbey national adddress, does that sound right ? ie Data Controller (as suggested on the template) Cahoot Division of Abbey national PLC Abbey National House 2 Triton Square Regents Place London NW1 3AN

thanks Vint1954, I'll do that . Can i ask one more question - ho should i go about this ? ..I dont know how much of the debt relates to this - Is it in order to ask the debt company for a breakdown of the debt ? ..once i've got this write back on her behalf , asking for the refund of the ppi (with interest) ? Can i do this with them or does she need to approach Cahoot even though the debts now with Debt Management ? Thanks again for all your help.

thanks every one for their replies...Unfortunately i dont know how to scan the document or i'd put it on. I've had a closer look tho at the document and a lot of the info sems to be there : - credit limit - "we will tell you from time to time what your flexible limit is" - signatures - both my girlfriend and a signator on behalf of cahoot have signed though the field below "substituted creditor" has not been signed - interest rates & apr's - "the interest rates for withdrawals and balance transfers is a monthly rate of 0.5575%. The APR for withdrawals and balance transfers is 6.9% variable. The APR is calculated on an assumed credit limit of £100.00 - repaymnets - each month on or before the payment date you have chosen you must pay at least the minimum payment set out in your cahoot flexible loan statement. The minimum payment will be the greater of either £50 or 1.75% of the flexible loan balance. Payment protection : the section reads : "HAVE PEACE OF MIND WITH CAHOOT PAYMENT PROTECTION" We strongly recommend you to protect your loan repayments for a monthly fee of just 77p per £100 of your outsanding balance. Tick here (ONLY IF YOU HAVE NOT APPLIED ONLINE) for Cahoot payment protection. Unfortunately i've pressed my girlfriend on this and she now seems to think its possible that she first applied for this loan on line. She 's adamant she didnt sign up for payment protection but i'm wondering if there could have been a default tab or something where they automatically iassume your taking it unless you opt out. "You can find details of the full policy on page 17 in the terms and conditions booklet page" Either way, would I be right to assume that if she has taken this loan out online, then its looking likely that she's going to be liable ? only positive i can see is that from what you guys said earlier about multiple agreements if ppi exists - then surely above does not constitue defining the terms ? To clarify my/our aim here - is not necessarily to challenge the debt itself but reduce it to the correct level without payment protection thanks again for all your help folks - i'm not sure i'm going to be able to do much but your helping me understand the process much better.

Thanks for your reply Who would i do this with though ? Debit Managers Ltd wont be in a position to discuss the rights and wrongs of the payment protection, or will they ? - given my girlfriend stopped making payments, will Cahoot have washed their hands with the debt ? I'm tempted to write back on her behalf to Debt Managers Ltd asking them for a breakdown of the loan, repayments and charges but i'm not sure if it would be ok to do this ? Some of the other threads seem to imply that by responding about the debt itself , would indicate some sort of ownership for the debt, which she disputes because she never asked for/agreed to the payment protection. Any help would be appreciated . girlfriends getting stressed and upset about the tone of the letters . Wording on the letter seems to indicate the next step may be a visit from one of their "collectors" calling at her house. Thanks for reading this.

Ive been trying to help my girlfriend out of a debt situation she had dating back to 2004 - prior to me knowing her. Ive established she took out a £4K loan with Cahoot in 2004. Since then ive calculated she had repaid £3400 and in Dec 2007 called Cahoot to ask how much was outstanding. She was advised there was still approx £4K outstanding and told this was because of payment protection that the debt was so high (which she knew nothing about ). She apparently chased them for several months about it, with no success then in an attempt to get them to send copies, stopped making payments. She then moved house and "forgot all about it" - not very clever , I know to ignore the debt ! Since then... 11/5/09 - letter received from Debt Managers Ltd arrived demanding £4792. 14/5/09 - I got involved and after reading this website sent off a letter to Debt Managers asking for evidence of liability for the debt. 18/5/09 - Debt Managers advise they are arranging for copy papers 28/9/09 - copy of "credit agrement" received showing a flexible loan ,signature and date but no details of the amount borrowed or repaid. Interestingly, it clearly shows that my girlfriend had NOT requested Payment Protection - the box is clearly not ticked. Admittedly ignoring the debt was not the best course of action, but does anyone have any suggestions about what our next steps should be ?