Cahoot Flexi Loan CCA - Help

angiemcp · 8th January 2009, 12:54

Hi

I am another newcomer to the forum. After reading some threads late last year I realised I had been paying a cahoot flexi loan for almost six years. I sent off and asked first of all for a copy of my agreement. They have sent me a copy of my credit agreement, but I really don't know what I am looking for and if it is valid. Can anyone help me!!!!!!!!!!Please.

Thanks

angiemcp · 8th January 2009, 14:24

I am trying to upload a copy of my agreement, but just found out I need to post 5 times......

angiemcp · 8th January 2009, 14:25

and another.....

angiemcp · 8th January 2009, 14:25

and another....nearly there....

angiemcp · 8th January 2009, 14:26

last time, then I will load up my agreement. I have no T&C's with this doc? Does this mean it may not be enforceable???

angiemcp · 8th January 2009, 15:34

http://http://s707.photobucket.com/a...ww71/angiemco/

mcmatty · 19th January 2009, 16:00

angiemcp · 22nd January 2009, 12:15

Hi McMatty

Sorry new to this, do u mean bump as in stop paying them

: confused:

mcmatty · 22nd January 2009, 12:26

Hi angiemcp.

In short the answer is no - the ways these kind of forums work is that the posts get displayed in order of the last post - it's a common way to bump a post up the ladder and possibly get attention just to post the word 'bump'.

I am hoping that a forum mod or expert gets to notice this conversation and maybe have a squint at the CCA agreement.

By the way your Photobucket link is no longer working - you may wish to repost.

angiemcp · 22nd January 2009, 16:35

Hi McMatty

Thanks for that, I will re-post my agreement.

I have been reading few threads today and I believe that mine is unenforceable, so here goes!!!!!!

mcmatty · 22nd January 2009, 16:39

Now that sounds interesting - what do you see that would make the agreement unenforceable? Which threads have you been looking at? I will scan my agreement and get it online as well - maybe we can compare notes and see where to go from there?

angiemcp · 23rd January 2009, 12:18

Hi

I have spoken to the OFt and I am awaiting a reply from them. My agreement has no right to canel, no credit limit & the interest autolinker.com autolinking image

has shot up from 7% to 17%. I will post up anything from the OFt as soon as I receive it, but I am intending to put Cahoot into dispute I think!!!!

The thread I found useful was 42man - Is my Agreement Enforceable - Useful, however I searched using cahoot flexi loan and found agreements that were the same as mine.

Here hoping we can get the scumbags!!!!!!!!!!

mcmatty · 23rd January 2009, 14:33

I saw that thread too - it seemed to be leaning towards enforceable but I like your logic on the other points.

Totally agree with your description of Cahoot - the bill has doubled in no time. I don't get the logic of the banks. They see people in difficulty so they increase the rates so they get into more difficulty. The whole things stinks.

The greedy banks will get what they deserve out of this!

Good luck with the OFT - let us know how you get on.

TheReclaimer · 4th February 2009, 16:23

Hi there

I have also just got my CCA from Cahoot - it sees to have all the prescribed notices under the CCA however they are extremely vague. The credit limit section just says

"We will too you from time to time what your flexible loan limit is"

I'm just not sure if this is accurate enough?

Any ideas

Thanks

Matt

angiemcp · 5th February 2009, 16:21

Hi Matt

Their full agreement seems to be very vague. I have also noticed on my agreement that they have signed and dated the agreement before I did, so I am also led to believe that this also makes the agreement unenforceable. I have sent off a letter disputing the account, so I should hopefully hear back from them quite soon, as soon as I do I will post it.

I would send them off a letter of dispute and see how you get on, remember don't use your normal signature autolinker.com autolinking image

and send it recorded!!

jellybabe · 24th March 2009, 09:41

bump....any news on this?
I was thinking off CCAing Cahoot for my flexi loan, but weren't sure if it's worth it.

keith4444 · 24th March 2009, 20:15

Hi Angie,

Just subbing to your thread, I will await your reply with interest autolinker.com autolinking image

!

I've put my account in dispute with Cahoot, but like all the other credit companies they didnt listen

Did you contact the OFT online or did you write to them? I have never had dealings with them before

Any pointers would be welcomed! Also did you contact anyone else? fos autolinker.com autolinking image

or Information Commissioner`s Office?

king123 · 24th March 2009, 20:36

Subscribing also. I'd really like to take Cahoot on as their reasonable flexi loan became a loan shark from hell nightmare, but I don't know how to go about it. Hoping a few of us can start getting some action going against these scoundrels!

king123 · 21st June 2009, 17:44

Any news Angie?

mills1 · 26th November 2009, 23:28

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