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    • https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx   https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx
    • I would have thought it easier in small claims.  Your wife very kindly and considerately wrote to her employer offering more notice than she was obliged to do.  No doubt she had the best interests of her employer in mind and wanted to give them adequate time to plan ahead and find a replacement.  To her amazement, her employer took advantage of her kindness and unreasonably treated her notice as taking immediate effect, blah, blah blah.   Personally, I think an argument like that is quite likely to succeed in small claims where they won't be accustomed to arguing the niceties of employment contracts.  It's obvious your wife is being taken advantage of.   Again, I think you are more likely to get an even-handed and fair hearing in small claims than at an ET.   However, I'm not a lawyer and I'm definitely not an employment lawyer.  See what others advise and whether anybody else thinks it would be easier and more likely to be successful simply to sue.  (Oh - and remember if you want to sue them for the money you've got six years to do so, whereas the time limits for ETs are ridiculously tight.  Can't remember off the top of my head but is it something stupid like 60 or 90 days?  Ridiculous).   Of course there may then be issues about getting future references from them.  But if you go down the ET route that'll likely be a problem anyway.    
    • say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ?   Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it .   Also I see for a DRO it says ive got to go through  an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open .   Last off ive asked regarding pro rata forms and still cant find any 
    • Yes but I think in a small claims court it will be far harder to prove. I have plenty of evidence to discredit the Director but again it could still not be enough.   She will be a month with no money and I think it’s far more risky than a tribunal where this action alone could result in the desired outcome.   I have said to her to request a face to face meeting to enable both parties to conclude, ideally resolve and at that point we can decide what action we wish to take.    
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rosco1977

I'm in Cahoots...Not!!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 5161 days.

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I sent a DPA request to Cahoot on the 26th April via snail mail. Received the standard email back from their complaints department saying they would look into my complaint and get back to me within 5 working days. I'd heard nothing until today when they rang me up for the first time ever to say that my account was £118 over the overdraft limit and that I would soon have my account put into default.

 

I said that I was waiting for a DPA request to be dealt with before I was willing to make any payments and discuss my account further.

 

The woman on the phone then said she would chase the complaints department and put me on hold to speak to her collegue. When she came back to me she said that they had sent me details of my BANK CHARGES via e-mail or through their online message system on the 12th of May. I checked both while the woman was on the line and and there was nothing. I then reinformed her that I had requested a full DPA and not details of my bank charges and I would wait until I had received this before continuing with the conversation further. She said she would chase up the complaints department to get this done and that I would have 10 days before my account goes into default.

 

I don't care about going into default as 3 of my other accounts have done so due to me making reduced payments through the CCCS and another one doesn't really make my credit score any better.

 

I stupidly forgot to take her name as the call took me by suprise. I thought I'd let know all this as it is interesting that they mentioned bank charges as a reply to my DPA (surely this presumption is illegal) and the fact that this call comes after I make my DPA request (I've been £118 o/d for around 3 months).


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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I got a letter from Cahoot today dated the 12th May (hmmm the envelope was franked on the 15th which is the same day I spoke to the lady above!!) saying that my charges total £1160. Why do these banks presume that you only want this information when you specifically request a subject access? This is the 3rd bank to do this!!!!

 

Oh well I'm going to start proceedings against them now. Then I'm going to re-request a SAR just to make sure they haven't been lying to me.


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5161 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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