Toxic Vs Cahoot

toxicdebt · 5th February 2009, 21:17

Got my CCa back today. No covering letter, no terms & Conditions and No Statement of account. Just a hand written envelope with a photocopy (wonky) of the CCA.

Does this look enforceable (my signature autolinker.com autolinking image

and bar code has been removed)....

Front:- http://i155.photobucket.com/albums/s.../CCAFront1.jpg

Back: http://i155.photobucket.com/albums/s...t/CCABack1.jpg

Does the fact they did not send anything more than the CCA copy its self, such as the T&C's and statement of account mean they have not fulfilled the request and can be put in dispute until they do?

Thanks
Toxic

toxicdebt · 12th February 2009, 21:17

Does anyone know who I address my Subject access request autolinker.com autolinking image

to and which address to send it to?

Many thnaks

toxicdebt · 18th February 2009, 16:37

Replied last week placing account in dispute as they did not send any T&C's. Got this in reply today...

http://i155.photobucket.com/albums/s...ADispute1a.jpg

The mind Boggles!

toxicdebt · 16th March 2009, 23:51

Sent them a letter informing them they failed to comply with the act and asked them to supply all documentation required under the cca act.

Today I received an envelope containing just a copy of my agreement *again*.

Still no T&C's and no statement of account.

Account still in dispute letter on its way.

cybermoth · 17th March 2009, 07:53

Hi Toxicdebt, has anyone commented on your cca yet, I have the originals Flexi loans cca and they look the same. So if we can assume that they are copies of the originals, Are they set out in a prescribed way and enforceable. PS Mbna have just failed to respond to my cca request 16/03/09. I am following a lot of your threads at the moment. Good luck from Moth

toxicdebt · 27th March 2009, 00:27

Ive not got that far with cahoot. Presently disputing over their failure to comply with my request in not supplying any T&C's / docs referred to in cca doc. if they do then I will look at its enforceability further.

keith4444 · 1st April 2009, 22:52

Hi Toxic,

I've had the same agreement (signed) back from Cahoot after my CCA request. Can you please post up the letter you sent them back in reply (failiure to supply T&C's and other docs) is there a link to that letter template anywhere on here?

Thanks in advance

Keith

toxicdebt · 1st April 2009, 23:27

Hi Keith

It was not made form a template. I just told them that as i didnt get ANY T&C's or other documentation referred to in the CCA they sent, they had not complied with my request under section 78 blah blah blah. Therefore the dispute remains until they comply. Then I listed what they can not do (but do anyway) whilst the 'alleged' account remains in dispute.

There many examples of such letters on these boards to place your account in dispute. Have a good read up.

I dont post my reply letters on here as the bankers do read these forums and i dont want them to realise who I am etc.

toxicdebt · 23rd November 2009, 22:25

UPDATE

Received a letter from Moorcroft today. Demanding payment or court action will follow. Sent them a dispute letter and told em to hand it back to Cahoot to resolve.

mills1 · 26th November 2009, 22:59

I too have one of these Flexible loans.
I was paying regular instalments, this did not stop them escalating the interest autolinker.com autolinking image

rate at regular intervals.
I will be going down the CCA Route myself.
So just to sum up the process, CCA request letter sent registered delivery with enclosed £1 postal order with wording on the reverse " for cca purposes only " ?
Any advice anyone? thanks.

toxicdebt · 26th November 2009, 23:26

Hi Mills

You are on the right track.

You should start your own thread so any advice given will not get muddled with mine in here.

Good luck

mills1 · 26th November 2009, 23:34

Thanks Toxic

will do.

5th February 2009, 21:17	#1 (permalink)
toxicdebt Basic Account Holder Have we helped you? Please help us by making a donation Cagger since : Oct 2008 Posts: 185	Toxic Vs Cahoot Got my CCa back today. No covering letter, no terms & Conditions and No Statement of account. Just a hand written envelope with a photocopy (wonky) of the CCA. Does this look enforceable (my signature and bar code has been removed).... Front:- http://i155.photobucket.com/albums/s.../CCAFront1.jpg Back: http://i155.photobucket.com/albums/s...t/CCABack1.jpg Does the fact they did not send anything more than the CCA copy its self, such as the T&C's and statement of account mean they have not fulfilled the request and can be put in dispute until they do? Thanks Toxic

12th February 2009, 21:17	#2 (permalink)
toxicdebt Basic Account Holder Protect your signature with SignGuard Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Does anyone know who I address my Subject access request to and which address to send it to? Many thnaks

18th February 2009, 16:37	#3 (permalink)
toxicdebt Basic Account Holder Give yourself a better chance with our claims guides and litigation kits Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Replied last week placing account in dispute as they did not send any T&C's. Got this in reply today... http://i155.photobucket.com/albums/s...ADispute1a.jpg The mind Boggles!

16th March 2009, 23:51	#4 (permalink)
toxicdebt Basic Account Holder Where else can you earn 8% interest on your money? Start your County Court claim NOW!!! Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Sent them a letter informing them they failed to comply with the act and asked them to supply all documentation required under the cca act. Today I received an envelope containing just a copy of my agreement again. Still no T&C's and no statement of account. Account still in dispute letter on its way.

17th March 2009, 07:53	#5 (permalink)
cybermoth Basic Account Holder Watch out, there are Claims Touts about! Cagger since : Feb 2009 Posts: 16	Re: Toxic Vs Cahoot Hi Toxicdebt, has anyone commented on your cca yet, I have the originals Flexi loans cca and they look the same. So if we can assume that they are copies of the originals, Are they set out in a prescribed way and enforceable. PS Mbna have just failed to respond to my cca request 16/03/09. I am following a lot of your threads at the moment. Good luck from Moth

27th March 2009, 00:27	#6 (permalink)
toxicdebt Basic Account Holder Protect your signature with SignGuard Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Ive not got that far with cahoot. Presently disputing over their failure to comply with my request in not supplying any T&C's / docs referred to in cca doc. if they do then I will look at its enforceability further.

1st April 2009, 22:52	#7 (permalink)
keith4444 Basic Account Holder Is your bank avoiding its debts Data disclosure poll Cagger since : Jan 2009 Posts: 76	Re: Toxic Vs Cahoot Hi Toxic, I've had the same agreement (signed) back from Cahoot after my CCA request. Can you please post up the letter you sent them back in reply (failiure to supply T&C's and other docs) is there a link to that letter template anywhere on here? Thanks in advance Keith

1st April 2009, 23:27	#8 (permalink)
toxicdebt Basic Account Holder Watch out, there are Claims Touts about! Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Hi Keith It was not made form a template. I just told them that as i didnt get ANY T&C's or other documentation referred to in the CCA they sent, they had not complied with my request under section 78 blah blah blah. Therefore the dispute remains until they comply. Then I listed what they can not do (but do anyway) whilst the 'alleged' account remains in dispute. There many examples of such letters on these boards to place your account in dispute. Have a good read up. I dont post my reply letters on here as the bankers do read these forums and i dont want them to realise who I am etc.

23rd November 2009, 22:25	#9 (permalink)
toxicdebt Basic Account Holder We need funds Please donate something Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot UPDATE Received a letter from Moorcroft today. Demanding payment or court action will follow. Sent them a dispute letter and told em to hand it back to Cahoot to resolve.

26th November 2009, 22:59	#10 (permalink)
mills1 Basic Account Holder Watch out, there are Claims Touts about! Cagger since : Nov 2009 Posts: 122	Re: Toxic Vs Cahoot I too have one of these Flexible loans. I was paying regular instalments, this did not stop them escalating the interest rate at regular intervals. I will be going down the CCA Route myself. So just to sum up the process, CCA request letter sent registered delivery with enclosed £1 postal order with wording on the reverse " for cca purposes only " ? Any advice anyone? thanks.

26th November 2009, 23:26	#11 (permalink)
toxicdebt Basic Account Holder Try our eBay sniping service Cagger since : Oct 2008 Posts: 185	Re: Toxic Vs Cahoot Hi Mills You are on the right track. You should start your own thread so any advice given will not get muddled with mine in here. Good luck

26th November 2009, 23:34	#12 (permalink)
mills1 Basic Account Holder Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Nov 2009 Posts: 122	Re: Toxic Vs Cahoot Thanks Toxic will do.