jellybabe vs Cahoot Flexi Loan

[Undercover-Elsa]

Alternatively, once it's defaulted and passed for collection, often the balance owed is fixed and interest frozen, and they're more likely to consider reduced payments etc. They will, however, trash your credit file.

[jellybabe]

Hi Undercover-Elsa,

 

Sorry for late reply, i don't seem to receive emails no more when someone replies to my threads??

 

I will have a look at your time orders link today....i haven't heard anything from them yet, but no doubt it'll soon happen. I try not to worry about my Credit file too much, it's trashed now anyway since my hubby had lost his job last year. It only took him 4 month to find a new one (on a much lower income),but from then on everything went haywire.

 

Thanks very much for all the information,

 

jellybabe x

[jellybabe]

ok, the time orders link doesn't work?

[Undercover-Elsa]

Hi Jellybabe..

How odd! It did. Just looked and a whole section of blogs by Sequenci (the author) seems to be missing. Maybe they've been moved.

BRB..he's online so I'll ask him

Edited July 11, 2011 by Undercover-Elsa

[Undercover-Elsa]

Hi again Jellybabe,

The blogs are temporarily unavailable, however Sequenci has kindly pointed me in the direction of the link below for you:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=06_time_orders

 

Hope this helps,

kind regards,

Elsa x

[jellybabe]

thanks very much. x

[jellybabe]

...a little update on this....

 

i have since my last post received several chase and threat letters from Santander's Debt collectors after not reacting to their faulty DN.

 

Contacted them 3 times, well, 2 letters to the Collectors (which have been ignored) and the last letter i directed straight to Santander, which have now replied saying that i need to ring them to talk about this. I did send a letter asking for lower payments and included a Budget Sheet.

I will not ring them , instead, i think, i will have to remind them again that i will only communicate with them in writing?!

 

One funny thing though...Have also received another letter now from Collectors, saying that my account will be passed back to Santander within 3 weeks. And Santander is in the process of preparing a DN to me??? Have i missed something??? Thought they had sent me one already as showing above....faulty one, but still marked as a DN?

 

Was this just a decoy to scare me and make me think it's a real one so i do quickly pay?? (If i would have had the money, i probably would have fallen for it!)

 

Is this Legal???

 

Any thought anyone??

 

Thanks,

 

xx

[Undercover-Elsa]

Hi Jellybabe,

As things stand, they can issue another default notice (but there's no guarantee they'll get this right either). Did you say anything to them about the original DN?

It's best to keep quiet if you have a bad one - it's only of use after they issue a claim, as part of a defence.

 

Just hang fire and see what Santander come up with

 

Elsa x

[jellybabe]

Hi Elsa,

 

Thanks for your reply.

 

Nope, haven't mentioned the faulty DN at all. Thought it'd be better not to mention it, just in case.

 

Just made me wonder that the Collectors sent me a letter saying that my account will be sent back to santander so they can issue me a DN, as the first one is marked as one.....but i gather that was just a threat making it look like a DN to scare me.

 

I will just keep on paying the amount i offered in my last letter, and see what happens?

 

Should i not contact them to say that i will only communicate in writing?

 

Thanks,

 

Jellybabe x

[Undercover-Elsa]

Hi JB,

The first one is definitely a Default Notice.

You could if you wish write back and tell them that you can only discuss this in writing as you require a written record of negotiations, reiterate that you have made them a genuine offer of the maximum you can afford and look forward to receiving their acceptance of this in writing.

If you keep paying the figure offered - gives you the moral high ground.

 

Alternatively if you're feeling brave, you could cease payment and ignore them until they default it again and terminate the account, which usually freezes the amount owed and stops interest. THEN make your offer of payment.

This route is faster, but you'd have to put up with the hassling letters and be ready to jump in with a payment offer at the right time. Your choice.

 

I notice you sent a CCA request ages ago. Did you get a response to this?

 

Elsa x

Edited August 14, 2011 by Undercover-Elsa

[jellybabe]

Sorry, not been on here for a while due to health problems.

 

I have approx. 2 weeks ago received another one of those weird DN's and today i have received a letter confirming termination of the said account. And all this on a faulty DN?

 

The thing is, i know they can do that, but i have paid the maximum amount i can, which i had offered them from the beginning. And i paid it on time, as soon as i got paid each month. On the monthly statements it looked to me as if they froze the interest aswell, which i took as their acceptance of my request.

 

Now they tell me that one of the following will be done without further notice:

 

1.outstanding balance will be passed or sold to a debt collection agency for recovery of the outstanding balance.

2.Default information will be passed to the CRA's (which is obvious, i expected that).

 

The letter only states the Arrears on the account.

 

Could someone please advise on what my next step should be now? Should i hold back until i get letters from DCA now or should i contact Cahoot (now Santander) regarding this, and that i thought we had an agreement?

 

Please please, if anyone can help, it would be very much appreciated.

 

Thanks,

 

jellybabe

[jellybabe]

I have now sent Complaint emails to Santander for mine and my Husbands account regarding the Loans. We have Moorcroft threatening us with legal action aswell now if we don't pay until the 9th Jan. Only received the letter today.

 

Both accounts haven't received any proper DN, and for one account we have received notice of closure.

 

I just hope these emails will get us somewhere. We had tried to arrange lower payments and made them every months since then, to no avail. We still pay approx. 75% of the minimum payments, which i thought was reasonable...even though we could do with lower ones, but we make do.

 

I have also stated in the emails that we now consider those accounts to be in Dispute....i just hope they accept that, it'll buy us some time maybe.

[shaneo1]

Who did you email Jellybabe? go direct to the [email protected] I did and I had amazing results. Good luck

[Undercover-Elsa]

What happened about the CCA Request Jellybabe?

[jellybabe]

shaneo.....I did email the same adress you stated, and i missed a call from someone at Santander. Even though i did state in my email that i would like the reply to be by email or letter only. Should i ring back? or should i send another message reinstating that i want things be done in writing?

 

Undercover-Elsa....i haven't sent a new CCA request off yet. But maybe i should send one to Moorcroft anyway?

[Undercover-Elsa]

Yes, definitely send one. Now that it's defaulted/terminated have they stopped adding interest?

 

If they don't comply with the CCA I would stop payment until/unless they do comply, but put the money to one side each month with a view to an F&F at some stage. Certainly 75% of usual monthly amount is a high payment on a defaulted account and if you're struggling with this they need a wakeup call (CCA) after which they'll be far more likely to either offer a discount or accept much lower payments within your budget.

 

kind regards,

Elsa x

[jellybabe]

Thank you Elsa, will do.

 

It'd deff help us if we could pay lower amounts. And the interest seems to have been reset to 0% now.

 

jellybabe x

[shaneo1]

Absolutely ring back, I did and I was put on to a lady called Faye Muggeridge. Very very helpful. Don't miss out on this opportunity.

[jellybabe]

Thank you shaneo....i will do, even though i'm not very confident on the phone. What kind of questions do they ask you?

[shaneo1]

I would just simply say:

 

I can see from my phone call log that you have contacted me, my name is 'jellybabe' and I calling regarding my Cahoot Flexi loan account number 666666. Could you please put me through to who called, thank you.

 

Something like that.

 

What they told me was that they where looking into my complaint and will reply with an answer with in 10-14 working days.

 

At the end of the day Jellybabe, they are as much human as you are and to be honest very friendly and approachable in that department.

 

Remember to ask for an email to back up the phone conversation you have just had with them.

 

Good Luck. Call them today friday 13th, break the bad spell of the day

[jellybabe]

Thank you!

[shaneo1]

If there is one thing I have learnt with santander is that they never really send you a reply via email as quick as they could over the phone. Talking is better than email. Call them now let me know how you got on.

[jellybabe]

Thanks, i just rang and the gentlemen seems to have gone home already..Just my blooming luck

 

Never mind, i left a message explaining who i am and what account it is about....i didn't leave my phone nr again (maybe i should have, but totally forgot at that moment), but saying that, he should have it anyway.

 

Don't think he'll ring back until Mon now anyway.

 

Thanks

[shaneo1]

Least you have done your bit and followed up the call. It is up to them now to reply back and I am sure they will so will. Lets wait and see what happens then.

 

Good Luck

[jellybabe]

Thanks for your help so far shaneo and Undercover Elsa..it is much appreciated.

 

I do hope it turns out good for us, even if it only means we can reduce our payments a bit...that would help a great deal.

 

And Congrats shaneo on your success. How long did it take until you had your refund?