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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Cahoot - PPI claim


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This worked brilliantly. Thankyou, thankyou, thankyou! (It added another £300 in interest to my claim - in fact, another £1 has been added since I filled it in last night!) Claim sent off today. Do you know roughly, on average, how long banks take to get back to you?

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This worked brilliantly. Thankyou, thankyou, thankyou! (It added another £300 in interest to my claim - in fact, another £1 has been added since I filled it in last night!) Claim sent off today. Do you know roughly, on average, how long banks take to get back to you?

 

Hi

 

Excellent...glad it worked OK for you.

 

The banks have 16 weeks to investigate ppi claims and give you a final decision before you can pass it to fos so it is a waiting game now.

 

Regards

 

ims

 

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I'm still waiting for a reply to a SAR request from Cahoot too - and the 40 days is up tomorrow.

 

If your SAR stuff doesn't turn up then write to them saying they are in breach of the DPA and that if you don't receive your information within 14 days you will be reporting the matter to the ICO and may consider legal action to force compliance.

 

Regards

 

ims

Edited by ims21

 

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I also have a flexi loan with Cahoot they have transferred it to Santander how do I know if there is PPI on this loan - probably being thick here but really dont know if it is on the loan?

Thanks

 

Hi

 

If you haven't got your agreement and/or statements you will need to send a SAR as outlined earlier in this thread.

 

ims

 

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Hi Cornishpixie,

 

Good Luck with Cahoot - I spent more than an hour on the phone to them today - and had to ring SEVEN numbers just to be told they hadn't a clue what I was talking about!

 

Anyway, use this address to senda Subject Access Request to Cahoot, to see if you have paid PPI:

Complaints Dept,

Cahoot,

PO Box 968,

Bradford,

BD1 9EL

 

I used a London address, but was told today it was the wrong one...

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Has anyone been successful in asking Cahoot for a SAR?The deadline for a response to my request was today, a Sunday, so I suppose it may turn up tomorrow. (Although I'm not holding my breath).Apparently I sent the SAR request to the wrong address (London instead of Bradford) - and a Cahoot telephone person said it takes three to five working days to send the request from London to Bradford as it is treated as "second class internal mail."I have repeatedly tried to find out if Cahoot are dealing with my request, but with no joy.I know the letter arrived in London on September 13 and was signed for there. However, despite ringing SEVEN different numbers, I haven't been able to track down anyone who can help.

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If they have not complied within 40 days of receipt then they are in breach of the DPA.

 

Write and tell them so and that if you do not receive your information within 14 days you will be reporting their failure to the ICO and are preparing court action to force compliance.

 

Personally I'd not bother with the phone myself.

 

ims

 

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I have just received information on my Cahoot flexi loan account following a SAR request...and it seems rather strange.

 

Firstly, although I took the loan out eight years ago, I wasn't charged for PPI for a year - according to the SAR information. PPI only kicked in when I used the wothdrawal facility of the loan for the first time.

 

I have been sent a "Credit agreement" for the flexible loan, and there is no mention of PPI on it.

 

Secondly, the SAR info is not complete.There is no record of my transactions for the past 18 months - although PPI wasn't much over theis time, and I can just guess at it I suppose.

 

Should I justpress ahead with my claim anyway?

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Hi you really need all the statements during the period that PPI was paid to enable you to calculate the full amount of PPI you are claiming back + interest.

 

Do Cahoot give any reason why the last 18 months statements are missing,very often the reply to the SAR often arrives in 2 separate packages.Any way ask the question,if they are unhelpful then calculate/guess the amount,that usually gets things moving.

 

Regards FS

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Hi Annie

 

Responding to your PM.

 

See my thoughts in red below

 

Regards

 

ims

 

I have just received information on my Cahoot flexi loan account following a SAR request...and it seems rather strange.

 

Firstly, although I took the loan out eight years ago, I wasn't charged for PPI for a year - according to the SAR information. PPI only kicked in when I used the wothdrawal facility of the loan for the first time.

 

PPI is only charged on this type of loan when there is a balance due to the lender. All the time the balance is zero or the account is in credit then there will be no PPI premium payable

 

I have been sent a "Credit agreement" for the flexible loan, and there is no mention of PPI on it.

 

No surprise there. Don't forget, banks are known to have just slapped it on without the customer's knowledge or agreement

Secondly, the SAR info is not complete.There is no record of my transactions for the past 18 months - although PPI wasn't much over theis time, and I can just guess at it I suppose.

 

Is the 40 days up? If not, I'd wait until it is up as sometimes information is sent in more than one package. If it is up then you can send the failed SAR letter whch is in the CAG library.

Should I justpress ahead with my claim anyway?

 

You could do but I always think it best to have as much information as you can get, even if that means waiting a bit longer for them to complete the SAR.

 

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"Firstly, although I took the loan out eight years ago, I wasn't charged for PPI for a year - according to the SAR information. PPI only kicked in when I used the wothdrawal facility of the loan for the first time.PPI is only charged on this type of loan when there is a balance due to the lender. All the time the balance is zero or the account is in credit then there will be no PPI premium payable."SORRY: Should have made this clearer.It was a flexible loan so, although I initially borrowed £10k, I was allowed to borrow more from the original sum once I had paid some back. So... I paid back more than 1k over the first year, then withdrew the cash I had paid in and started again. This was when the PPI first kicked in. I just don't understand why. Surely I should have been paying the PPI when I borrowed the original 10k, and not when i used the withdrawal facility?

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Hi

 

Well it could be that they just slipped PPI on to the account at a later date "under the radar" so to speak. Doesn't really matter that they didn't charge it for the first year....just means you have nothing to claim back for the first year. I wouldn't get too bogged down in that aspect of it myself.

 

ims

 

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Hi

 

Well it could be that they just slipped PPI on to the account at a later date "under the radar" so to speak. Doesn't really matter that they didn't charge it for the first year....just means you have nothing to claim back for the first year. I wouldn't get too bogged down in that aspect of it myself.

 

ims

 

Cheers IMS - I just found it really confusing.Claim in the post tomorrow!By the way - do you think it would be possible to claim seperately for the hefty interest rise the loan had. (From 5percent to 19%) I read somewhere on here that Santander/Cahoot were now paying out for this - as they had admitted it was wrong...Or should I just lump the claim together?

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  • 1 month later...

Can anyone give me a general idea of how long Cahoot/Santander take to discuss/settle/make a decision on a PPI claim?

 

I put in a claim with Cahoot several weeks ago, sent by recorded delivery to a Bradford PO Box address,

but have yet to hear anything from the company.

 

A pal of mine made a successful claim to Santander/Abbey earlier in the year, receiving a pay out within two weeks.

 

He got a phone call just one day after the claim arrived with the firm, and the money was in his account two weeks later

 

.Has anyone else made a PPI claim with Cahoot?

 

I would love to know what procedures they had to go through after sending off the claim.

 

Thankyou.

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Hi

 

For claims received on or after 1st Sept 2011 they will have a max of 12 weeks to give you a decision.

 

There will probably be some threads in the Cahoot and/or PPI forums

800

ims

 

Can anyone who has had experience of cahoot help?

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