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Settled cahoot credit card account, defaulted.


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Hi everyone. Am just finding my feet on here and trying to read as much as possible.


I have got my credit file and have had a cahoot credit card, which i settled at a reduced rate. There is still a default listed on my credit file even though shows as settled? can i ask them to remove this now?

Also can i still go back and claim any charges that may have been applied? And again what about PPI? would this be an option too if i had this taken out too.


So my first point of call is to do a SAR? is this correct - then a CCA?


Sorry if this seems so waffled but really want to get this sorted?


So if i get the CCA and this is an unenforcable agreement what happens as i have already settled this account?


If this makes sense to you then hopefully you will be able to advise next xourse of action for me.


Many thanks



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well you don't need to do a CCA, if you are going to SAR then typically the CCA comes with in, esp if you ASK for it on the SAR letter.


now, ofcourse you dont need a cca in this instance as it is settled.

as for the default, sadly it stays there for 6 yrs.



yep, go claim them charges + int and also look on the PPI forum at the guidence thread and see if you can reclaim the PPI,, i bet you can


good luck


keep us informed



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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