Cahoot CCA

[bobsp]

Well I have had another reply from FOS. They have enclosed a copy of the Credit Agreement.

 

It states (which they have highlighted) "The Cahoot Account consists of the credit card and the cahoot current account"

 

So when I signed for the credit card in 2000, I was infact signing for a current account aswell, that Cahoort didn't open for over 2 years, when they made a mistake on the credit card.

 

I was advised that 2 agreements shoulkd have been signed, but have now found out that is for accounts opened before 2007. "The Cahoot Account" agreement that I signed was aboloshed in 2007. I opened the credit card in 2000, and the current account was done in 2002.

 

Looke like I will have to find £4k somehow. £4k of charges aswell....

[bobsp]

I had a case with the FOS, where I questioned the legality of the opening of my Cahoot current account.

 

I did not sign anything,

I had a credit card a few years earlier,

and as I had signed that,

the FOS deemed it acceptable for Cahoot to open a current account 3 years later using the same signature from three years earlier...

 

Well as this has been going on and on,

Cahoot have been charging me £30 + interest a month.

 

They took away my online login, so I could not login to the account since 2009.

 

I have not received anything from them for over 2 years. Just before xmas I got a letter saying it was £4,300 O/D.....

 

I again questiones these charges,

why have they not been informing me, to be told I have a login to service the account,

 

I explained I have not had it since 2009, as it was taken away, and was told that the charges will remain.

Got a letter last week, 28 days and a default will be registered.....

 

I again called them and asked for more information on these charges, and was told that as this had been to the FOS,

who had upheld the complaint (That was actually on the opening of the account though)

Cahoot said there is nothing they can do and the account must be paid in fill within the 28 days otherwise I will get a default....

 

I have made numerous complaints about these charges over the years (going back to 2005)

and am told each time "They are being looked into, your reference is xxxxx"

 

At one time I had 13 complaints running all for the same reason, none of them answered, just closed...

 

I dont know where to go here, I have emailed the CEO office,

who said that they have had to pay for my initial complaint to go to the FOS,

the full balance is now due, which is increasing on a monthly basis, and a dafault on 21 days or so...

 

Any suggestions?

[dx100uk]

when was the last time YOU made a financial transaction on the account.

 

dx

[bobsp]

3-4 years ago. I dont actually know for sure as I have no statements, and they wont let me login to the account.

[dx100uk]

if the balance is all charges since 2009

 

then i feel a bcobs complaint is the way to go

 

 

dx

[bobsp]

It is charges, and only charges.

 

I have been arguing this,

wrote to the CEO's office, and they say there is nothing they can do as the FOS have ruled in their favour, and it has cost them.

 

.... BUT, what the FOS ruled for was that the account was opened correctly,

nothing to do with the charges that have gone on month after month.

 

.. Thats my point, and also that they have not been informing me.

 

They are going to default me in 3 weeks unless this has all been paid.

 

I tried to call collections yesterday, and I failed security because I could not name one og the DD's that was on, back in 2006!!! So they wont speak to me.

 

I am getting very frustrated with these people, they dont listen to you and dont address the underlying issue.

 

They wont answer why I have not been notified, apart from that it will have been on my online banking, that will be the one they removed from me years ago!!!!

 

I am fed up with them. I guess they will dafault me, so how do I go about a BCOBS complaint?

 

They have not looked at any other complaint I have made, so cant see this one being looked at properly.

 

Thanks

Bob

[dx100uk]

BCOBS is very powerful

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

 

adapt this

dx

[bobsp]

I am not in receipt of benefits, and not in financlai hardship. I just object to them charging me every month for years without informing me, letting me log onto the account, and not answering my complaints over the years. Then having the gall to demand full payment otherwise they will default me...

[dx100uk]

still a bcobs complain

 

they are unfair

 

dx

[bobsp]

Is there a tamplate I can use, the letter in the link refers to being on benefits, and hardship etc. I have read somewhere there is a rule about levying charges upon charges. This is what has happened here. I can change the letter in the ling, but then I dont think there will be any substance to it, and dont want to quite different rules if I am not sure.

 

Also they will probably ask me for an income and expenditure form , and see that I am not in real financial hardship, although I was out of work in 2010 for 3 months..

 

 

Thanks

Bob

[bobsp]

I will try and keep this as short as I can.

 

I had a bank account with Cahoot.

 

The last time anything went I to the account was Feb 2009, that was tax credits, they confirmed this.

 

They have been applying charges every month, month after month.

I have not heard from them for some years,

I have always denied this debt. In 2011

 

I element to the financial ombudsman, with the complaint that these charges were being applied to the account and I do not recognise to hem.

 

The FOS said to hem hey were applied fairly, even though I have never been notified about them, something I find hard to believe.

 

Cahoot have not contacted me, and in August 2015 they defaulted me.

 

I spoke to the Information commissioners office regarding the default. They confirmed it had been applied unfairly, and should reflect the time the default took place.

 

I complained to Cahoot, who confirmed the last time anything was paid in was early 2009, and the account was in arrears from March 2009.

 

Cahoot have reluctantly corrected the date of the default to September 2010, based on a phone call in early 2010 with me saying I was taking the issue to court.

 

They refuse to out it back to when the default happened.

The first default letter was sent to me know August 2008.

But they have told me they decided not to act on that one.

 

Cahoot told me in a call, that they know why I want it put to 2008 when the original default was issues, as it means it will drop off my credit file straight away.....

 

I am now being chased by Westcott, I received a letter today.

 

As stated I have always denied this, now it seems that as Cahoot have changed the default date from Aug 2015, to Sept 2010, they have passed this disputed debt to a DCA.

 

What options do I have here.

This debt is solely bank charges, of which I knew nothing about.

 

Thanks

Bob

[dx100uk]

Who are wescot stating is their client?

 

But either way its prb sb'd

If not it will be on the defaults 6th bday for sure

[bobsp]

They say their client is Santander.

[dx100uk]

Safe to ignore them

 

They don't own the debt

[bobsp]

Ok thanks.

[tnook]

I got a Cahoot cc back in 2001 and have been paying the minimum payments for a very long time. Recently I’ve been unemployed and I’m struggling to meet the payments. They are not interested in setting up a payment plan until I have missed payments. Is there any merit in sending a CCA?

 

Thanks for your help

[dx100uk]

you need to start a new thread tnook of your OWN