wouldn't hold your breath... took them months to send me mine - now that Santander seem to be trying to wind up cahoot, its likely to take even longer - when i did get the SAR it was pretty comprehensive - minus the records of them sending me two back dated 'notice of default' letters and and record of the account being handed to DMRS or Apex... so if this Moorcroft business continues, it'll be another SAR going in as i'm curious to compare the two to see if anything has been retrospectively added in....

mmm - this one's gone a bit strange now - i have had absolutely zero contact from the cahoot clowns for almost a year now, but a series of emails from cahoot saying that the loan was transferred to Santander in March. I have now had a letter from Moorcroft 'pre-court' division saying how they will do this and that to me unless i pay up. Thing is, i have been paying a fixed amount far in excess of what the minimum payment would otherwise be for 10 months now, so i don't really know whether to reply to them or not - i haven't had a notice of assignment so i not sure what purpose this moorcroft is serving to be honest. Should i respons or just wait? By the way, the experience with cahoot has tought me never to go near any Santander backed financial product ever again - all the best to A+L customers because they genuinely don't seem to know their head from their ar$e at the moment!

hey, i think its a case that if you aren't provided with a DPS/TDS ref number within 14 days, you are entitled to 3x the deposit - there are no arguments, no matter how clued up on the law he is (which in fact, i would guess be even worse if it went to court as they should know better! see here: Tenants: Tenancy deposit scheme : Directgov - Tenancy Deposit

tanks very much - in fact, i've just donated the amount on the bill to the good ship CAG

Hi, Out of the Blue, i've had a letter from Three/Lowells regarding an outstanding bill. The amount (which is tiny) is from July 2003 - am in right in thinking this is statute barred and that they're just trying it on?

Hi, i had three of these in one envelope a few months back, all backdated from Cahoot... The problem here is, how do you prove they are backdated, as they are usually sent by UKMail/don't have a sent date stamp on them...

maybe its just worth writing to them with the usual ' i do not akknowledge this debt' letter to them, and ask them to specify under what oz law they claim to be able to enforce collection of the alleged debt. At the end of the day, if a Credit Agreement was signed, it would have been under the heading 'Consumer Credit Act 1974' not under 'CCA 1974 + any other act related to consumer credit ever created in world' (?) . If they are acting on behalf of Barclays, that would be slightly different i guess, but i would think the most they could do is as if 'they could have some money, please' on behalf of their client, and register defaults in the UK as they would be able to under the CCA 1974. If the an australian company now owns it and claims you owe them directly, i can't see how they could enforce it - you've never signed any australian agreement to allow them to register defaults, payment information etc, in that country, have you? I think they're just trying it on IMO....

why not take a look at this as well: Information Commissioners - Data Protection Public Register and look up the UK company to see exactly what they have registered with the information commissioners office with regards to processing Data, it should bring up info like this example from a well known agency, which is the parent of another DCA that has, well 'No Power to Contact' ;-) : Purpose 2 Debt Administration and Factoring Purpose Description: The tracing of consumer and commercial debtors and the collection on behalf of creditors. The purchasing of trade debts, including rentals and instalment credit payments, from business. Data subjects are: Customers and clients Relatives, guardians and associates of the data subject Data classes are: Personal Details Financial Details Goods or Services Provided Offences (Including Alleged Offences) Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act): Data subjects themselves Relatives, guardians or other persons associated with the data subject Current, past or prospective employers of the data subject Business associates and other professional advisers Other companies in the same group as the data controller Suppliers, providers of goods or services Credit reference agencies Debt collection and tracing agencies Traders in personal data Central Government Courts / Tribunals Transfers: None outside the European Economic Area Notice at the bottom there they do not transer data out of the EEA, so it might just be worth looking up the company in question as i'm sure you just can't transfer Data willy nilly unless the agreement at the start declares that your data may be processed outside of the EEA. I could be wrong, of course, but worth having a look at the register.

looking through the PDF, it loks like it is enforcable , but others may be able to spot flaws in it.

Hi there, Have you asked for the CCA from Cahoot? Cahoot tend to have enforcable CCA's but its worth firing off a letter to them. Also, do a Subject Access Request to see if there are any unlawful charges on the account. Do Apex actually own the account now? Did you have a Termination Notice from Cahoot and a Notice of Assignment saying that they had passed it to Apex? I've been in a battle with Apex/Cahoot as well recently, and i really don't know who owns the debt now - no termination notice from Cahhot, No Notice of Assignment and a FULL SAR request from Cahhot which arrived recently (3 months late) doesn't show anything about Termination notices or Notice of assignment.

wel well, letter today from Power2contact - they'll be popping around in the next 72 hours.. stay tuned: csl harassment (cslharassment) on Twitter

hey there, thanks for the reply - i'll wait and see what happens and have my camera at the ready if/when they do call

Hey everyone, this has now been passed to CSL who have been using their highly efficient auto-dialler to call my land line / sms me. I wrote them back a snotty letter to stop calling and also the Doorstep Visit letter, as well as demanding they return the account to Cap 1. Here's todays response: On the Doorstep Visit Part, unless i've read this the wrong way, they are basicaly saying that as long as they say they are going to visit in advance, they will?!? They are also resuming 'collection activity' after liasing with Capital One, by saying that Cap 1 have fulfilled my Request under the Consumer Credit Act 1974. So, is it time to file a CPR request (and would it be to CSL?), or sit tight??

I have now provided cahoot with the proof of signature (via email) and their contact centre have replied seemingly confirming that they've lost the SAR. In fairness, theyve been quick to reply and offered to re-emburse the postage cost and the 10 postal order by sending them the receipts. However, they have said that as i'm asking for a full SAR and not just statemets, it could take a full 40 days to fulfil: Dear , I have arranged for the requested information to be sent to you. As the information required is very specific I have been advised that it may take up to 40 days for the documents to be delivered, but the relevant department will try to collect the information needed as quickly as possible. Please accept my apologies for any inconvenience that this may cause. As previously advised we will reimburse you for the recorded delivery fee rand the postal order if necessary. Once you have contacted the Post Office please let me know and I will arrange for a cheque to be sent to your home address. In fairness, the contact centre have been very helpful on this one. However, i'm not sure how i should be dealing with APEX now. i'm just making payments to cahoot regardless, but can APEX actually take any action against me with this still outstanding?

thanks, ive contacted them again about the sar - they've asked me for the proof of delivery on their side, which i've duly provided, so it looks like they've lost the request...

i had a letter from the good people at Power2Contact (in relation to a Cap1 issue) a few months ago and sent them a reply with the letter template on here regarding doorstep calls also stating i'd be recording footage and using it as evidence against them for tresspassing, as well as plastering it all over the net. They promptly replied straight away. However, its now been been 'passed' to credit solutions limited who are now sending a similar letter. These goons must think i was born yesterday as they are one and the same company, so another letter has been sent with the same info on it. I'm dying for them to rub me up the wrong way now, as i'm logging EVERYTHING they do. My advice: don't let them push you around or use bully boy tactics - and try to record / log any activity. This whole industry, to me, seems to function on fear and threats. Creating fear amongst debtors - with or without enforcable agreements - is the only oil that keeps the cogs of this industry turning, and its only due to great sites like this that we can help stop this kind of activity. With ref to CCA's and capital one, capital one deserve to punished for not having valid CCA's IMHO. Its quite simply their own fault, and i wonder how many business deals this company has got out of because the other party has not properly executed a contract or agreement? I'd be willing to bet a fair few.... > Credit Solutions will be the next lot you'll hear from now.

hi there, any idea when the account is from? I haven't seen a single enforcable agreement posted on here from cap1 up till about '05 (although i could be wrong) - i requested a CCA from these clowns in Dec 08 and received a sparse looking Application Form, and have not paid them a penny on the alleged debt since then, its now with CSL who will shortly be seen off.... If you push them, they will send something that may look like a CCA (to them) - but this is the dros i had from them at first as well (see here)

Hey everyone, yesterday i received a letter from APEX regarding this account - as it stands i have been continuing to pay the amount i can afford (which is a fixed amount). i have also posted the exact sequence of letters i have received below from Chaoot, DMRS and then Apex. To date, i am still awaiting my statements from an SAR, which was sent at the beginning of June. Does anyone know what the next course of action will be on their side? I still don't Understand how they can pass it to an external company without having received a Termination Notice, but someone has mentioned that they can send it out to collection without termination... May 2009: Cahoot http://i296.photobucket.com/albums/mm166/kstaplet/cahoot_may.jpg June 2009: DMRS http://i296.photobucket.com/albums/mm166/kstaplet/dmrsjune.jpg July 2009: DMRS http://i296.photobucket.com/albums/mm166/kstaplet/DMRSJuly.jpg July 2009 : 2nd Letter DMRS http://i296.photobucket.com/albums/mm166/kstaplet/DMRS_July2.jpg (this is a weird one, as no offer of payment was made, i simply told them what i'd told cahoot that i was going to be making fixed payments at the same time every month, and told them to check their own CRM on the history of the account) August 2009: APEX http://i296.photobucket.com/albums/mm166/kstaplet/Apex_august.jpg Now, to be clear, i'm not trying to get out of anything here (if you look at the balances on each letter, it is going down), but i'm not going to be pushed about, harassed or bullied by any of these companies when i've told them repeatedly the steps i'm taking to reduce this balance - i believe there are unlawful charges on this account but i've never dealt with a company that is so lacksidaisical (?!) ... with regard to genuine requests for Data which they should be abiding to as per laws set out regarding Data Protection. I feel sorry for anyone that has an account with a Santander Group company if they can't even sort out basic requests!

Its Headed: 'Default of Payment' and lists the balanace amount. Will try and get it posted up here but no scanner and can't find camera USB

So, the story so far: CCA'd Cahoot regarding FlexLoan last November, did not meet the 12+ 2 days so account fell into dispute, in december, jan and feb i still made payments to this account, but far lower than minimum payment (50 pouns per month). Finally received CCA in Feb '09 and upped payment to 250/mth - still below the minimum (but not by much) as this is all i can relistically afford. Cahoot proceeded to send me the usual threatening letters during this time, and sent me 3 default notices in one envelope in March (for dec, jan and feb). I've just ploughed on and cotinued to make the 250/mth payment and on May 20th, after a another threat-o-gram i called them. This 13min 33 conversation is recorded on my phone for safekeeping and the woman on the other end tried to word the same thing in several different ways (regarding clearing the arrears) - i told her that 250 is all i can afford and it didn't matter how many ways she wanted to slice it, that was all i could pay. 25th May, another letter saying i was in arrears, then all quiet... (although the 250/mth has continued to leave my account as a SO every month) Until Saturday, when i received a letter dated 29th/06/2009 from Debt Management and Recovery services Ltd with a notice of default and saying that they have been asked by cahoot to recover the full amount. It still stands that i can only afford to pay this amount, and thats it, but i'm a bit confused over the process that should be followed here - if Cahoot passed this to DMRS: (a) Why haven't they sent a Default Notice? (b) Why haven't they sent a notice of Termination? © How can DMRS issue me with a notice of default? I see that DMRS are part of Abbey, but i'm sure i've seen on here there's a process that should be followed vefore passing to another party? Hopefully someone can clarify this one for me. The CCA is valid, as its identical to the other FlexiLoan agreements from Cahoot posted on here. It does seem that they've stopped interest on the loan, which i guess signalls that the agreement has been terminated, but i've not had a notice of this. I'm also waiting on a response to my SAR as there are charges on this account, but their customer services department are atrocious with things like this - maybe due to being bought by Santander - too many siestas methinks - so i'm not holding my breath for my statements...

had the debitas 'we'll be round to discuss this soon' letter yesterday, so am waiting for them to nip round now (maybe with a proper credit agreement that asked for last year?).... anyone know if debitas do send people out? guess i'll find out soon enough...

see below, egg have offered me 24quid. very generous - do i go down the moneyclaim route now or one final letter?

hi, yes, i had a default notice last month, identical to this one received today: the date on this is 07/06/2009. The letter below is from debitas, dated 07/06/2009(this one's a clickable thumbnail : so cap1 rather nicely sneaked in one last default and a 24 pounds charge on the same day as passing it to debitas, but after the termination notice? With regard to the debitas one, it gave me 3 days to reply, should i send them the 'return 2 offices down to cap1' letter or wait until they try and take action?

hey guys, thanks for the advice. Indeed there are unlawful charges on this account. My scanner isn't working, so had to take a photo - heres the letter from Crap1. I'll post the Debitas letter when i can (that came the same day, yeaterday)

hi, received 2 letters today - one from cap1, and one from Debitas saying they are now acting as agents for Cap1 - is it worth sending debitas a letter saying return to Cap1 (although i believe they are one and the same)