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Cahoot credit card account from 2001 CCA?

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Hi all,

 

I got a Cahoot cc back in 2001 and have been paying the minimum payments for a very long time. Recently I’ve been unemployed and I’m struggling to meet the payments. They are not interested in setting up a payment plan until I have missed payments. Is there any merit in sending a CCA?

 

Thanks for your help

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even with the OC, its worth a shot. But we dont condone debt avoidance. WHy not reduce payments right down and negotiate a settlement with the CC?

 

They cant refuse to set up a repayment plan if you are in financial difficulty. Theyd be in breach of their credit licence. But youd have to escalate it over the heads of the phone monkeys to get them to do it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Still with the bank. The phone monkeys as you put it won’t engage until I miss a payment.

 

What constitutes a successful CCA request. Can’t they just send any old copy of their legacy terms?

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Still with the bank. The phone monkeys as you put it won’t engage until I miss a payment.

 

What constitutes a successful CCA request. Can’t they just send any old copy of their legacy terms?

 

Esclate it to the CEO. They cant force you to enter into default if youre willing to pay. Of course, not meeting the terms of the agreement constitutes a default anyway, but theyre being pretty petty

 

 

As for the CCA, if its before april 2007 they have to supply the full original, with original terms, and any changes through the life of the account.

 

post april 2007, they can just send what they want and let a judge decide


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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