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HAK v Cahoot


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A quick Google with "Cahoot`s debt collectors" would suggest it to be our friends at Moorcroft. :rolleyes:

 

Regards, Dave.

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Subscribing...

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Bloody ell.............

I am going to write to them this week to tell them I can no longer pay the min on my flexi loan as they put the apr up by 4% in one month...

 

Any idea how to play it!!

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Going to write letter tomorow as I need to reduce the payments.

 

This is the first time I will have gone in arrears on this account.

 

Should I send a CCA request in with my letter to reduce payements that way they will not be able to put any charges on from the begining.

 

What do you think

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Sorry, come across this late in the night....

 

There's quite a few letters to go at here...

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162353

 

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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  • 2 weeks later...

Just got an email from Cahoot today

 

We have decided to make changes to the rates we charge on the cahoot Flexible Loan due to the Bank of England base rate moves seen in 2007.

 

From 5th September 2007, your rate will change to 21.2% APR variable.

 

This has gone up 6.2% in six months.

 

I dont stand a chance!!

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I had a Vanquis card and the second I made a poker transaction the apr went up to 48.6% in one go!!

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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Hi Ro55e30

 

Just to let you know that Cahoot bumping up their APR by 5% overnight was one of the reasons i couldnt afford the minimum repayments on my flexiloan. However, once i sent an income/expenditure sheet and a reduced payment offer, they were very reasonable and straight forward to deal with. They froze the interest and charges and accepted my reduced payments on condition that i make no more withdrawals from the flexiloan. Hope this helps.

  • Haha 1
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Hi

 

Thats good to hear.

 

Havenot sent the letter yet as not due to end of the month.

 

What did you write in your first letter to them

 

RO

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I used Letter B from the templates in the Debt Section (Letters to Creditors). Amended it slightly to my circumstances, and included an Income / Expenditure sheet showing all my creditors, total debts owed and my offer of pro-rata payments to them all.

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BCW also collect for them :(

 

I would definitely get that payment offer off :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Buchanan Clark and Wells - oh not so popular :x

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Update

 

I sent of a template letter to hold the account for 28 days..etc.

 

Got a great reply today saying cant do that and we will keep adding intrest on to the accounts...

 

I was not going to CCA them but if I CCA them after 12 days can they add intrest..

 

RO

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Update

 

I sent of a template letter to hold the account for 28 days..etc.

 

Got a great reply today saying cant do that and we will keep adding intrest on to the accounts...

 

I was not going to CCA them but if I CCA them after 12 days can they add intrest..

 

RO

 

Don't CCA unless the debt is more than 6 years old - I never like CCA'ing OC's because they are more likely to come up with something than DCA's. If you are getting into difficulties it's best in this case just to try to get a payment plan out of them, CCA'ing might drain the goodwill somewhat.

  • Haha 1

"Why CCJ when you can CCA!"

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  • 4 weeks later...

Well its started...

 

They took the DD minimum payment for my CC out of my current account and I went £3.00 over my overdraft.

 

Even tho I cancelled the DD they re-anstated it back.

 

Well they are going to charge me for this:

 

£30.00 + £4.35 intrest.

 

Any advice please.

 

HAK

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  • 2 months later...

HAK

I know this thread is old, but did you ever get round to CCA Cahoot?

 

I have a flexi loan and the Credit agreement seems unenforceable

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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Hi US

 

I have CCA them about my overdraft but not the rest. Still awaiting the responce.

 

Can you post the agreement so I can have a look at it.

 

HAK

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