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    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cahoot Flexi Loan


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I have a flexi loan with Cahoot which has been transferred to Santander without any notification can they do this also the interest rates are very high. Do I contact Cahoot or Santander regarding interest rates transaction details etc.

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  • 5 months later...

Sorry to bump another old thread but did anyone get anywhere with getting the APR reduced. I'm another one who is in the boat of the APR being increased a lot and have some arrears but also no chance of getting alternative finance to pay this off in a lump.

 

Cahoot were a nightmare to deal with when I wasin the middle of my financial problems would do nothing to help at all.

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sorry but they have been less than communicative with me.

they did state that it would not raise the apr any more,big deal.

I am awar that a person was successful by using a national

newspaper financial guru jessica gorst williams however have been unable to get any info

on the ins and outs of it.

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  • 1 month later...

I too have the living hell of the old Cahoot Flexi loan, now under the Santander roof. I did the sensible thing of going to Debt-Line..... to help me with the outrageous interest rates @ 23.5%. Stopped my DD to santander and was hit with a default notice threat, without even contacting me first. Then I started the letter war between Debit-Line and Santander, Debt-Line was told that they are no longer able to contact Santander via phone, they had to fax if they wanted anything, so I was in talks with the collections department at Santander, they said they due to the nature of the loan their hands were tied, they could not reduce the rate of the interest, or stop it even if I was on a DMP, they advise I stopped making payments for 7 months after which time it would move to a DCA, but interest would still be applied for the duration of the loans life. So they said it was best if I reinstated my loan repayments with them and then after a few months apply for a fixed Santander loan at a reduced interest rate...... of course my credit file has been hit bad since moving to Debt-line having now 3 missed payments on file, so I am in no good position to do that, besides Santander said I would need to increase the amount of the loan by a minimum of another £1000 to be successfully.

 

I send a letter to Santander asking for my original CCA and statements as advised by debt-line they never replied in the 28 days and just continued to send my monthly statements and another letter of you have been naughty we are now reporting you to your credit agency and placing a default on your account. I have written a plain english letter to the FOS now and have informed Santander of this, and their reply was they doubt the FOS will do anything about my issues with them. I am waiting to find out still, 2 months have now past.

 

To summarise Santander are as uncooperative and they were when the loan was with cahoot.

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Before going to the Ombudsman I'd had my interest reduced to zero (as is the case with all my accounts). This was because the CAB encouraged me to let all accounts default and then they handled it. Do NOT allow a default to happen if your credit record is clean but if it's not you may have to do it that way.

 

In my case the debt is still with Santander too despite defaulting over 2 years ago and last making a payment over 1 year ago. They haven't sent me any demands in all that time which is highly bizarre!

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I spoke with their collections department and they said that they are unable to change the interest to zero even if a default is applied to the account, and I would be liable to pay the interest as well after they have their money back via DCA.

 

Don't want to default really, need to get my credit rating back up to scratch as I would like to get a mortgage as some stage in my life :)

 

I have already sent a letter to the FOS, in plain english about a month ago, just waiting to hear from them, and yesterday I have written a SAR requesting all the information santander hold on me, cos I have a feeling that they no longer have all the information eg CCA, if they don't then I would be in a better position to tell them with no signed CCA how can the loan be valid as I never agreed or signed an agreement for santander to monitor my loan.

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  • 4 weeks later...

I stop paying this account when it was transferred to Santander, have not paid for nearly a year, just kept getting reminders from their computer and statements that made no sense.

Anyway, started getting phonecalls from their callcentre, 4/5 a day.

Had enough, sent them a SAR, silence, no correspondence from them, absolutely nowt.

Going to start pursuing them now.

Don\'t let the B**tards grind you down

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I had a leaflet a few months back which had in it terms and conditions referencing that either party can end the agreement. So I wrote them a letter saying I would like to end the agreement and the monies I have already paid to be a satisfactory amount to close the account. The reply was that I have done to many draw downs on the account and the amount outstanding is still to be paid, I am however concerned that in the letter they referred to it as an approximate amount and not the actual amount. Should I question the letter, though I doubt I will get anywhere as I have had no reply for when I sent a SAR letter.

 

I have contacted the FOS, but have had no reply from them either, how long does it normally take for them to reply?? should I call them?

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  • 2 weeks later...

hi, i know it's a long shot and an old thread,

but could i please get some advice of you regarding wording the complaint re interest hikes. I have yesterday been served with a default letter, dated 15/06 (only received it yesterday) and obviously only have a week left to pay it now???

No certain date on it to pay, just says within 14 days of serving.

 

Those interest hikes on that dreaded cahoot loan have led to my downfall, and i would like help with this please....

 

thanks,

Jellybabe

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Well there is nothing we can do about the interest hikes according to 'Meg' today from the Cahoot (Santander) customer services department, and she also told me that we cant even change the underwriters mind on reducing the interest rates, what they say is final she says... I ask if I could speak with the CRO but she then went on to say that they couldn't doing about it either. I think Meg is a new employee there, she knows nothing about how banking works. Useless.

 

Anyway Jellybean, I would advise you to contact them and say you have just received the letter (thats it you are bothered about your credit rating) and say in the time the letter has been issued I do not have the means to make a full payment at this time but I can give you a token payment and negotiate a repayment plan that way a default can not be server, but your credit report will say arranged AR, instead each month until the payments have been brought back in line.

 

Good Luck.

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Thanks for the reply shaneo1,

 

I'm not particularly worried about my credit rating as it's down in the dumps now anyway. But i have the feeling that the DN they served me with might be faulty?

 

I wonder if anyone could have a quick look please? I uploaded it here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?152406-jellybabe-vs-Cahoot-Flexi-Loan&p=3461553&viewfull=1#post3461553

 

Thank you.x

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Well got back copy of CCA this morning, original agreement 2004.

 

No mention of Loan Amount nor Limit.

 

No mention of APR

 

Statement from Santander shows rate of 20% APR which has been since 2008???

 

Any ideas on dealing with this lot?

Don\'t let the B**tards grind you down

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  • 5 months later...

This is it 1 year on and the same reply letter as I got in Jan 2011. After the complaints have been different. I still have no SAR or CCA from them. its off to the FOS. I have requested that half my loan be written off and I pay half. but if they can not produce the information I have requested from them CCA and T&C they be in breech of contract and refund me back the monies from when Santander took over the loan. As its now a fixed loan at 21.5% where I signed for a variable flexi loan at 8.5%. Hook, Line and Sinker.

 

Wish me luck. :mad2:

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This is it 1 year on and the same reply letter as I got in Jan 2011. After the complaints have been different. I still have no SAR or CCA from them. its off to the FOS. I have requested that half my loan be written off and I pay half. but if they can not produce the information I have requested from them CCA and T&C they be in breech of contract and refund me back the monies from when Santander took over the loan. As its now a fixed loan at 21.5% where I signed for a variable flexi loan at 8.5%. Hook, Line and Sinker.

 

Wish me luck. :mad2:

yes,it seems they are beginning to break under the weight.we kept complaining in writing and even used recorded delivery.our account was 21.9 now its zero percent as santander say "based on your complaint"they now state company policy is reducing account to original rate from start of account

and refunding increases of interest so keep at em

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Ok the link in the post below is to my last letter from the complaints department and in here they mention that they advise from their terms and conditions not mine that the loan account that I had agreed was fixed throughout the full term of the loan. Funny I signed something to say its variable from 8.5% so for the past 10 years it should have been fixed they are saying then....???? and it was also accepted they their interest rate was agreed throughout the length of the loan. ME AGREE TO 21.3% am I stupid.... where is form I signed for that??? and they go on to say that Santander has not acted in error. Can I lol here.

 

Who thinks that this loan can be written on based in the false evidence in this letter please advise.

 

PATFLA - can you please send me a sample of the letter you sent them and got back in return to get your loan interest stopped and refunded the interest charges. How did you do this FOS or santander complaints. Thanks in advance.

 

Many thanks

santander-complaints-reply-1-oct-2011.jpg

Edited by shaneo1
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I would be very interested in an example of this letter aswell please....i'm in the same boat...interest hiked up that much that i can't afford to pay it no more, and they are now chasing me :(

 

Also, they have just sent me a letter that they now terminated the account and will chase the outstanding amount, even though i have offered them payment which are approx. 3/4's of the full monthly payment. I have paid this on time every months since offering , and still they have defaulted and terminated?

Edited by jellybabe
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http://ubuntuone.com/0YaBG78MMPCCY6Wf4bOU5P

 

My last letter. Please feel free to pic holes in letter, they call resolution and understanding.

I have just sent a short message to the ceo at santander.co.uk asking for resolution and how can some people get refund and not others, If this is true I would be getting more back than the amount I owe for sure.

 

This is what I have written to the CEO:

Dear Sir/Madam,

 

I write to raise a formal complaint on the above account. The account was taken out on 24 July 2002 with the company Cahoot. I understand Cahoot was taken over in the 2009/2010 period by Santander who had bought the parent company Abbey.

 

The account was excellent until October 2006 when the company imposed massive interest rate hikes. These interest rate rises have continued up to 23% from 8.5%

 

I wish to complain that these rate rises were unfair and the rate rises and current rate is unreasonable, furthermore in a recent letter from your complaints department it states that terms and conditions that I signed was for the loan interest rate to be fixed for the the duration of the loan until paid. Please see the attached. I only ever signed one set of T&C which stated that the interest rate was 8.5% and variable, no where did it state that it was fixed. I have never received the T&C your staff speak of nor have I signed to agree to this.

 

I am currently in touch with other customers with these products who have had success with interest rate refunds/reductions (through fos involvement) and await to hear your comments.

 

I would prefer to settling this matter with you rather than through the FOS. I look forward to hearing from you very soon.

 

Yours Faithfully

Edited by shaneo1
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I am still paying £1 per month to santander as I had previously before it was taken over.

When Santander initially took over I had a letter from a place in sheffield requesting that I contact them to arrange repayment.

I sent them a reply stating that I consider the account in dispute, due to the hike in interest rates.

I heard nothing back.

Interestingly, the statements I receive quote the interest rate at 0 %

The £1 monthly payments are being credited to the account, but I have heard no more.

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