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    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
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Cahoot - PPI claim


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I would love, love, LOVE to claim back some of the PPI money I have spent on this loan over the last six or eight years. Can anyone please tell me the process involved? I still have £500 to pay, at £50 a month, on a "loan" whose interest rate jumped from under 5 percent to over 20 percent.

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  • 4 months later...

Hi

 

Don't know how this one got missed but yes we can help.

 

Do you have all of your statements for the account?

 

If I'm right, the flexi loan is a revolving credit agreement so you use it rather like a credit card and the balance fluctuates according to your spend and you are assigned a credit limit.

 

Is that right?

 

Regards

 

ims

 

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Hi,

 

Yes, that's right. And unforrtunately I don't have all my paperwork.

 

I applied for the loan on line, and all correspondance was done via logging on to the Cahoot website for years. In past year they have sent written statements - but that's it.

 

Unfortunately, I am no longer able to access the account details on line.

 

The total ammount has fluctuated between £10k and a few hundred pounds over that time - so I'm really stuck on how to work out the overall interest paid.

 

I also need to know the address to write to to start the claim - please!

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Morning

 

Right, the first thing to do is send a Subject Access Request (SAR) to Cahoot. There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green. This si a request for data made under the Data Protection Act. It has a statutory fee of £10 and they will have 40 days to comply. Amongst the things you get back should be a complete transaction history on the account.

 

Cahoot is a division of Santander.

 

Send your SAR to the Data Controller, Cahoot Loans, 2, Triton Square, Regent's Place, London NW1 3AN.

 

From the transaction history it will be possible to identify the PPI payments and then we can set about claiming them back with you.

 

Regards

 

ims

 

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Thankyou very much for this.I don't suppose it would be worth just jumping in and sending the first PPI letter claim would it?(Just stating when I took out the loan and saying the balance was flexible?)I suppose it would look more professional to do it this way - but seems to add a lot more time onto the claim.THANKYOU!

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Hi

 

Well there are two schools of thought.

 

One is to put in a speculative claim and hope for the best. This assumes that the bank will make the correct calculations and implies that you are putting a certain amount of trust in them. It also shows that you are pretty much "taking a punt".

 

The second, which I personally favour, is to look at it in a professional and informed way. Thereby you show them that you know what you are doing, that you know your rights, that you know what you expect and that you have submitted your claim having done the research and the work.

 

Now personally I would never trust a bank again....I use one because these days you pretty much have to.

 

There is nothing in a bank's business model that is there to help a customer, if anything quite the reverse.

 

I know it sounds blunt but it is your call....which would you prefer, wait a while and do a bit of work and get the right amount, or take a punt and trust the bank?

 

As they say, the decision is yours.

 

Regards

 

ims

 

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Dear ims21,

 

After all your great advice and information, I trust you more than any bank! Therefore this morning I posted off my SAR request, registered post complete with £10 postal order and will await developments with interest. (And impatience!). Do you know if Cahoot is quick to respond?

 

Please could I ask two more questions as well??

 

1. I wish to pursue a similar PPI caim against a bank linked to Cahoot. Do you advise that I wait to see what happens with Cahoot, or should I send off a SAR request this week as well?

 

2. Does making a PPI claim make it harder for you to get a loan in the future?

 

Many, many thanks!

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Dear ims21,

 

After all your great advice and information, I trust you more than any bank! Therefore this morning I posted off my SAR request, registered post complete with £10 postal order and will await developments with interest. (And impatience!). Do you know if Cahoot is quick to respond?

 

Please could I ask two more questions as well??

 

1. I wish to pursue a similar PPI caim against a bank linked to Cahoot. Do you advise that I wait to see what happens with Cahoot, or should I send off a SAR request this week as well?

 

2. Does making a PPI claim make it harder for you to get a loan in the future?

 

Many, many thanks!

 

Morning

 

Nothing to stop you going for them all....matters not whether they are connected banks, after all its your money thay have had.

 

FSA rules say you shouldn't be penalised in any way in connection with a ppi claim, you must aleays be treated fairly.

 

Regards

 

ims

 

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  • 1 month later...

I have just received the results of one of my SAR requests - and need a little help. Please!

 

The amount of payment protection stated on the statement for the loan term (96 months - two years to go) is £4,386.92 plus £1,289.76 interest. I don't know how to work out what I have already paid, though, as the PPI is in with my monthly payment.

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Hi

 

Personally I like the templates here.....

 

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

Make sure that you send off a completed fos consumer questionnaire (available from the fos website) and a copy of your spreadsheet claiming the PPI and bank interest plus 8% statutory interest.

 

Regards

 

ims

 

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Sadly, I can't seem to find a spread sheet thingy which works with my computer. They all appear with "Read Only" on them. I've just done the calculations on a piece of paper, using a calculator. If you could point me towards to spreadsheet link that doesn't need Word, Exce etc, I would be extremely grateful. Thankyou.

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Hi

 

Ok...no probs.....I'll write an OpenOffice version for you and post it either late tonight or tomorrow morning. That will make life a lot easier and more accurate for you.

 

Regards

 

ims

 

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Hi

 

Ok...no probs.....I'll write an OpenOffice version for you and post it either late tonight or tomorrow morning. That will make life a lot easier and more accurate for you.

 

Regards

 

ims

 

WoW! Thankyou very, very much indeed.

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Hi

 

Well the system still won't let me post attachments in this thread for some reason so I have posted it in the following thread...post#41

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?308922-ims21-v-HFC-PPI-***settled-***

 

You'll need to download the file to your PC and save it. Then rename the file and just change the last three letters (xls) to ods. Then open the file in the OpenOffice spreadsheet.

 

Amend your personal details in the blue section but do not change the interest rate boxes. Then move to the white list section underneath the coloured bits and list the PPI payments you have made. You only need to enter the date, the description (i.e. "PPI Payment") and the amount. The sheet will do the rest. Do not enter anything in the "Days Elapsed" or "Statutory Interest" columns.

 

When you have finished you will have the claim amount and this can be sent off to the lender with the completed fos questionnaire and letter of reclaim.

 

I have tested the spreadsheet and it works fine here but as it is a re-write, if you get any probs just shout.

 

Regards

 

ims

 

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