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namarie66

can i get my cahoot debt written off due to hardship?

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I have a credit card with cahoot,

which I am trying to repay.

A financial company managed to freeze the interests and now I just repay the palance slowly as

im unemployed.

I have been quite unhappy with them as I have never received and letters from them more than

10 years I have been banking with them,

even dealing with repayments myself now, I try and call them and nobody seems to be able to help as

they have been bought by santander and have limited staff! I would really like to get this £5000 written off, any ideas?

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I have a credit card with cahoot,

which I am trying to repay.

A financial company managed to freeze the interests and now I just repay the palance slowly as

im unemployed.

I have been quite unhappy with them as I have never received and letters from them more than

10 years I have been banking with them,

even dealing with repayments myself now, I try and call them and nobody seems to be able to help as

they have been bought by santander and have limited staff! I would really like to get this £5000 written off, any ideas?

 

Do you own your own home ?

 

If so, it is most unlikely they will write the debt off. If you don't have any assets, then you might consider sending them the letter from the following link.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387360-Ask-your-Creditor-to-Write-off-your-Debt-**Correct-as-at-October-2013**

 

Are there any charges or is there any mis sold PPI you could reclaim in order to reduce the outstanding balance ?


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I dont own a home,

also it is true that my health is very bad right now,

and I am being seen by psychologists and psychiatrists as I was

looking into ending my life from stress. of course I am

unemployed at the moment as my doctors have signed

me off from searching for work due to my health....

Does this letter really work?

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does this letter also work for bank accounts? my debt is £5000 on each account?

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and thank you so much for your reply! Best Wishes to you.

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I dont own a home,

also it is true that my health is very bad right now,

and I am being seen by psychologists and psychiatrists as I was

looking into ending my life from stress. of course I am

unemployed at the moment as my doctors have signed

me off from searching for work due to my health....

Does this letter really work?

 

I would imagine they factor in all kinds of things. When was the agreement first entered into - how much is owed - how long after you took out the agreement did you have the financial hiccup - how long is it likely to last ?

 

You don't own your own home, so there is little point in them trying to obtain a charging order. You aren't working, so an attachment of earnings is out of the question.

 

Your health is poor so you are unlikely to be working any time soon.

 

I understand lenders have written off debts where this no hope of every recouping their money.

 

I see no harm in trying, do you ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have had my cahoot visa card for about 15 years, the last year I got into this financial mess!

definately no problem trying this letter, thanks CitizenB!

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own thread created....

 

 

how you DMP is not a fee paying one?

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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