Cahoot keeps tight-lipped over payment protection

serapis

Could someone please give me some advice on where I stand with this?

I was made redundant at the start of April this year. I wrote to all my creditors to advise them and to start the negotiations on how much I can afford to pay to them.

My Cahoot card is not even activated as I had not wished to use it in the last year due to trying to pay it off.

I received a call from Cahoot to discuss the payments and they asked me to come back to them with an amount I can afford. I tried to call but the number was always busy so I wrote. I received a call a few weeks later and I agreed to pay £10 a month. They say it’s not enough by they are not going to refuse anything. I started to pay the £10 a month from June.

Yesterday I received an email from Cahoot notifying me my payment protection has been cancelled! I didn’t even know I had payment protection!

So today I call cahoot who tell me it’s not their responsibility to tell me I have payment protection and it’s been cancelled because the account is now in default.

For the record I pay cahoot for payment protection not any third party so it is clearly there on my account every month, paid to them.

What should I do? I have received their complaints address and I will be writing to them today.

oldone_2

If you have payment protection, can you not claim on it? If they say no, then you have a good case for claiming back your PPP payments as it may have been mis-sold to you.

serapis

oldone wrote: »

If you have payment protection, can you not claim on it? If they say no, then you have a good case for claiming back your PPP payments as it may have been mis-sold to you.

oldone, unbeknown to me I had payment protection when I contacted Cahoot about not being able to fulfil my minimum payments. I have had a number of conversations with them by letter and telephone. I also have a large pile of letters from them. There is no mention I had payment protection what so ever.

Cahoot have now cancelled the protection and this is how I found out I even had it (I received an email last night informing me).

When I contacted cahoot they told me, tough luck, I should have used it and its not their fault nor their responsability to tell me about it.

serapis

Well after speaking with Consumer Direct and the Financial Services Ombudsman, I called cahoot back with my 'legalese' ready. Cahoot immediately backed down and said they should have informed me and they are sending me the forms to make a claim.

serapis

A little update:

Finally got to the Job Centre and asked them to fill in my Cahoot claims for. There is a part for them to complete. They refused, citing that I do not have the policy number on the form. This form is all I received but they still refused to do anything.

I told them they had filled in my other claim form for my other credit card without the policy number but they still refused to help.

I asked to see the policy information that requires me to bring these details and they refused to give it to me, telling me it’s on the direct.gov.uk website. They wouldn’t even point me in the relative direction. I've looked on the site and I can’t find anything about Payment protection insurance policy.

Oh so helpful of them!