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ellielou
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I'm just after a little advice if possible?

 

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

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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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?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

Link to post
Share on other sites

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.

 

I would also send Cahoot a section 10 notice under the Data Protection Act. Template here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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