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    • Hi all,   Looking for a bit of advice if possible.    Short overview: - Had a Vanquis debt for 2k from 2010 which up until 2016 i was paying amongst others via debt management company. I cancelled my debt management plan to tackle the debts myself which was effective all except Vanquis from whom i had no contact from until 2 months ago when the debt was sold to Lowell. I sent off a CCA request to Lowell and they sent me a Digital Signature Application which is the same format as the one i have posted below. They also sent a set of Terms and Conditions, which had not date on them APR rate etc. To get this matter cleared up i offered a settlement figure of £500 which of course they refused, and sent me a counter offer with a 20% discount. This is as far as i have got with them to date, i did not respond to counter offer and am awaiting their next move.   I had the default that Lowell put on  my credit file regarding the above account, removed by Experian. I wrote to Experian and said that Lowell could not prove the debt was mine and that was all i wrote. A  correction was put on my credit report and the default from Lowell removed, the correction has now dropped off along with the default. As far as i am aware Experian would of contacted Lowell with my dispute and Experian could only remove the default from my credit file with the lenders permission.   I quote from Experian website "If the lender realises their data was incorrect, your report will be updated to reflect this. Note that we can’t change or remove a default on your report without the lender’s permission. However, we’ll do everything we can to help you sort out a dispute."    My question really is, do i have any leverage with Lowell? I would like to settle the debt but do not want to have to pay these bottom feeders any more than i have too. Does the fact that the default being removed from my credit file mean they can not prove the debt  if i was  to take it as far as court? What i am hoping for is to get a low low settlement offer from them so i can clear the debt and move on.   Any help or advice, points of view would be greatly appreciated.
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    • I can't click the 'click me' link. I've managed to delete all personal info, but the file is 6.5mb as they put 7 letters into one file and I can't delete any pages. I moved house so will not have received most of the letters.  Just looking at the dates it looks like they may have confused the issue date and the date of the offence etc in the last three letters they sent, but it may just be wording. I will see if I can compress the file
    • Yup I wondered about that!        
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EEK!!!

Cahoot

style="text-align:center;"> Please note that this topic has not had any new posts for the last 5227 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.

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Q: How many times do you have to refer to the DPA and Litigation act before they agree to send you your statements.

A: Until your blue in the face cause they are still only going to send me my first 12 months worth for free anything after that they will charge me £5.00!!!

 

GRRRRRRRR :evil:

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Tell them that the DPA clock is still running and get ready to make your complaint.

 

How much can you identify as owing to you on what you have so far?


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Unsure as I can't access my account from work so I'm off to borrow a friends internet over the weekend.

Whilst on the phone earlier they infomred me they have charged me a debit interest for being over my overdraft limit - can this be claimed?

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If the interest is charge on unlawful penalties then yes it can be claimed.


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Thank you!!

 

Watch this space............ :)

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12 months free....

anything else for a fiver.

 

Have you paid them a fee for your DPA request?

 

Regards


Just another 21 Banks to go......

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Anyone for a chuckle? Feel free to help me give them some feedback;

 

Dear Miss EEK!!!

 

Thank you for your recent call.

 

We have one goal at cahoot - for you to think cahoot is the best bank in the UK, with simple products and a consistent service standard that exceeds your expectations.

 

There's always room for improvement though, so that's why we're eager to hear what you have to say and we'll be asking you for your opinion regularly. Following your recent contact with us, we'd very much appreciate some feedback about the service you received.

Please click here to answer a few short questions.

 

Kind regards,

The cahoot team

 

 

 

Cahoot

RPAND2_Call Centre Enquiry Service

questions marked with (*) are required to be completed

1

How would you rate the overall service you received?

 

Excellent

 

Good

 

Poor

 

Dreadful

2

Which statement best sums up the response you were given?

 

Very Good. It told me everything I needed to know.

 

OK. But it still left a few loose ends.

 

Not Good. It felt like you wanted me to sort it out for myself.

 

Totally Useless. You told me nothing that I needed to know.

3

How would you rate the attitude of the person you spoke to?

 

Cheerful.

 

OK. But not that interested.

 

Bored and indifferent.

 

Unfriendly.

4

How helpful was the person you spoke to?

 

Genuinely interested in helping me.

 

OK. But I still had to push for answers.

 

Didn't really seem that bothered.

 

Totally Unhelpful.

5

How knowledgeable was the person you spoke to?

 

Very knowledgeable.

 

OK. But had to put me on hold to check.

 

Didn't inspire confidence.

 

Totally clueless.

6

How would you rate the service you received compared to that of other banks?

 

Much better.

 

Better.

 

About the same.

 

Worse.

 

Much worse.

7

Any other comments? (Note: Please use the normal channels of communication for account specific questions)

 

 

 

 

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Hi,

 

I contacted Cahoot recently and quoted the court case details where statements were ruled as part of DPA personal information. I received an email offering to send me them all for £10 - so my advice is to quote statute at them!


L Smith

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I've just started looking into this, I've contacted Cahoot a couple of times over the phone and regardless of quoting DPA and the right to access personal information until I was blue in the face they literally point blank refused to send me copies of the statements unless I paid the £5 per statement.

Eventually I had a very helpful young lady call me back who told me I needed to ask (via the online contact system) for a ‘Subject Access Request’ which she explained complies with DPA and rather than being a proper printed off statement is a slightly rougher copy of what they’d see on screen when looking at your account transactions, but still, obviously, contains all the account transactions. I’ve requested this and reminded them that I expect them to reply within at least 40 days, so I’m just waiting to see what comes back.

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Well I got a response today by email they're sending me out a subject access request form in the post that I've got to fill out and send back with the £10 payment.

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No form is needed. Only a letter and the money.


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cahoot's backwards way of doing things, they make you sign and return a subject access request form. No idea why though!

 

Probably just a time wasting thing in the hope that the customer can't be bothered to complete it!

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This topic was closed on 03/06/19.

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 their.

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

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5227 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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