hi - like many people followings cahoots decision to hike its
interest
rates in 2006/7 i decided enough was enough and my flexi loan had to go. i took the decision to clear all debts, the flexi loan and 3 or 4 credit cards i had at the time, and took out a loan with a decent rate to clear the lot.
money arrived in my high street account and made a number of transfers to the various parties clearing them down, on checking my cahoot account a few weeks later the account was in credit by several thousand pounds, asked cahoot to double check all was correct via email and they rang that evening and confirmed it was. presumed i had just got confused as transferring thousands here between 4 or 5 accounts and by withdrawing the account credit everybody was paid and i was where id calculated id be when i refinanced it all. withdrew the credit and requested the closure of the account a few weeks later and they duly write to confirm it closed middle 2007. Mid december 2007, 6 months later, letter arrives from cahoot telling me ive been "unjustly
enriched" a pay up or else, write back requesting statements, and an explanation etc so i can do my own checking, another letter arrives from them different author again pay up or else, 5 letters to them latter ive still got no statements, no explanation just a pile of threats, so i tell them if they cant supply the requsted info i consider the matter closed this is now july 2008. nothing until 16th october 2009 when i get a
phone call from them wanting me to go through security which i wont do tell them they can write to me. then i notice they had tried to take a dd from my high st account 7th october 2009which my bank refuse as no instruction in place, a default notive for £30.00 then arrives 17th oct issued 10th presumably after my bank bounced the dd but infers they have issued them before.
my concern is that after so long what charges have they added in this time, but having confirmed the account closed surely that terminates any agreement we ever had? and if not surely im entitled to an explanation of whats happened? any ideas?
account closed - now i still owe? 
