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 Subject Access Request? 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 Subject Access Request then typically the CCA comes with in, esp if you ASK for it on the Subject Access Request 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