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Cahoot loan any1? - they can't find the T&Cs!


KennyVinegar
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Hello everyone

 

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.

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Hello everyone

 

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

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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'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 3 weeks later...

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.

 

What should I do now?

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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.

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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

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OK, thanks hhnf, I'll have a look for those.

 

Data Protection Act - Non-Compliance - Template Letters

 

Creditors and DCAs - Letter Templates & Budget Planner Letter N

 

Good luck and ask if you need help

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

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  • 2 months later...

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?

 

Thanks :)

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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.

 

Creditors and DCAs - Letter Templates & Budget Planner Letter N.

 

By law if you send this, they must comply.

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

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  • 2 weeks later...
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

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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?

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It's 12+2 working days and then after 30 calendar days they are in summary criminal default. You do not need to do anything.

 

I am not sure from quickly scanning your thread, but did you send the S.A.R - (Subject Access Request) off?

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi hopeful

 

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

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  • 1 month later...
  • 1 month later...
  • 2 weeks later...

Hello Everyone

 

thank you for a fantastic insight into Cahoot !

 

I am going to follow all instructions to the letter.

 

This thread was so easy to follow I am going to get them too.....

 

Muppy :D

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So what's claimable if they cannot produce a signed CCA?

 

Will you have to pay back just the loaned amount without interest?

or

Is it the Interest you can claim back?

 

I ask as I have 3 accounts with them: Current, Credit & Loan.

 

I'm in the process of claiming charges back on the current account & Credit Card & wondered if there's anything I can claim back on the loan as they don't appear to add charges to mine JUST THE DAM INTEREST!!!

Test Signature........

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Hi this sounds all too promising as i have cca'd cahoot also and they say they have sent it but it never arrived so their complaints team contacted me and said they would send it again which was last week and it still hasn't arrived!!! Oh, happy days!! They'll get an offer of a £1 month if they can't find it and like it!

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Hey Muppy, good luck with your claim. Don't follow my example and not follow up with your threats within the timescales you've set! I still haven't started the court process, I have been very busy lately but that's no excuse. Anyway, I'm going to send them a letter stating I believe they have mis-sold me PPI on medical and employment grounds, and seeing as they can't provide my CCA to prove I signed up for it then they had better pay it back!

 

roboticboy - I'm not sure what happens if they can't produce a CCA, I have read through several threads on this but I find it all very confusing as to what the procedure is :/

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