Settled cahoot credit card account, defaulted.

[mccarthybaby]

Hi everyone. Am just finding my feet on here and trying to read as much as possible.

 

I have got my credit file and have had a cahoot credit card, which i settled at a reduced rate. There is still a default listed on my credit file even though shows as settled? can i ask them to remove this now?

Also can i still go back and claim any charges that may have been applied? And again what about PPI? would this be an option too if i had this taken out too.

 

So my first point of call is to do a SAR? is this correct - then a CCA?

 

Sorry if this seems so waffled but really want to get this sorted?

 

So if i get the CCA and this is an unenforcable agreement what happens as i have already settled this account?

 

If this makes sense to you then hopefully you will be able to advise next xourse of action for me.

 

Many thanks

 

Leah

[dx100uk]

well you don't need to do a CCA, if you are going to SAR then typically the CCA comes with in, esp if you ASK for it on the SAR letter.

 

now, ofcourse you dont need a cca in this instance as it is settled.

as for the default, sadly it stays there for 6 yrs.

 

 

yep, go claim them charges + int and also look on the PPI forum at the guidence thread and see if you can reclaim the PPI,, i bet you can

 

good luck

 

keep us informed

 

dx