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 SAR? 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

[Steward]

You can use Google to search the web using these links below:-

[dx100uk]

well you don't need to do a CCA, if you are going to SAR then typically the CCA comes with in, esp if you ASK for it on the SAR 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