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Cahoot Flexiloan CCA request response

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Hi,

 

Following the advice from a previous post on here to send CCA requests to my creditors,

 

I've had a response of sorts from Santander regarding my Cahoot Flexiloan account.

 

I defaulted on the account 7 years ago and have been managing payments to them through PayPlan ever since.

 

The Default expired on my credit file last year and I've stopped paying PayPlan (again, under advice)

because they've been screwing up my payments and until I did some digging,

I didn't realise their estimated settlement figure bears no relation to what Santander say i owe.

 

I sent the CCA request on the 7th March and

 

yesterday I got a statement with my last 9 transactions on it. That's it. Nothing else.

 

What do I do now?

 

I'm not paying them any more as I believe technically my account is still in dispute.

 

I'm desperately trying to clear up my credit file (my mistakes were from years ago and I've worked hard to correct them and get myself straight)

so I think I'm right in saying they can't default me again,

 

but can they issue a CCJ?

 

I can't start this cycle again.

 

If anyone can help it would be hugely appreciated.

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Howdi

 

Simple answer... Yes they can still try to apply for a CCJ... if they havent got a CCA then they may find it hard to enforce...

If thye have only sent you a statement with 9 payments on it then challenge them and let them know they have done it wrong.


 

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The leaflet they enclosed with it implies this is just a standard statement they are required by law to send from time to time. It doesn't in any way acknowledge receipt of my CCA request or infer this is their response to it. Do you think I need to write back to them stating that?

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