PPI Paid back in full --cahoot

phillmarsh

Thank you Moneysavingexpert.com for your help:beer:

I sent my Letter to Cahoot 2 weeks ago and today I have had a letter confriming, that they will be paying me the full premiums back.

Below is a copy of what i sent , I hope this helps anyone else

good luck


letter:-

Head of Service Relationship
Cahoot
Friars House
Manor House Drive
Coventry
CV1 2ZA
Dear Sir or Madam,
Re: Account number: *****************
I am writing in relation to the above payment protection (PPI) policy which I believe was mis-sold to me.
I believe you have not treated me fairly for the following reasons;

• The PPI was added without my knowledge.

• You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

• I was sold a insurance premium policy that was not fully explained to me as the whole cost of the insurance was not made clear to me.

• When I cancelled my insurance I was not offered any Refund.


Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.
Yours faithfully,
[Your signature]
[Your name]


regards

Phil

steven5andhu

Did you see the PPI breakdown on your statement ?

Ive just recieved my agreement from cahoot but the PPI box remains unticked

I took out a flexi loan in 2003

mazy_m

wooooohooo good for you!! bet you're well pleased and after only two weeks!!

phillmarsh

STEVEN5ANDHU,,Hi, yes the PPI was detailed on the statement. I would just send them the letter, if you are unsure It will cost you just over a £1 to post it recorded, if you have been paying PPI you will get it back , if you didn't im sure they will confrim in writing.
good luck

Lynner

Firstly, well done on the successful claim

I am in the process of reviewing the many credit agreement I had in place, Cahoot being one of them.

Today I received from them a copy of my Credit Agreement but they haven't enclosed the T&Cs even although I requested these.

Can you please let me know if the PPI cover was clearly noted on your Credit Agreement as I can't see a mention of it anywhere on mine for either my Flexi-Loan or Credit Card agreement. Both of these were taken out in 2001 though.

Any help you could give would be greatly appreciated

phillmarsh

Lynner wrote: »

Firstly, well done on the successful claim

I am in the process of reviewing the many credit agreement I had in place, Cahoot being one of them.

Today I received from them a copy of my Credit Agreement but they haven't enclosed the T&Cs even although I requested these.

Can you please let me know if the PPI cover was clearly noted on your Credit Agreement as I can't see a mention of it anywhere on mine for either my Flexi-Loan or Credit Card agreement. Both of these were taken out in 2001 though.

Any help you could give would be greatly appreciated

I did not have the credit Agreement available. but PPI was on each credit card statement.

with the credit agreements that i have been unsure if PPI cover was included, I have just sent them the same letter. worst case its cost me a stamp.

Good luck with your claims

Purplelally

Dear Phillmarsh,
A big, big thank you. I have used the letter you so helpfully posted. I came across the account number for my cahoot flexi loan in a complaint letter I had written back in 2005. I didn't get anywhere then and had long since given up hope of ever getting this money back.
However, with your letter I have successfully managed to claim back a substantial amount of money. Thank you so much.

dobedo

Hi Phil

Thanks for your letter. I am in the process of contacting Cahoot for my account details as I no longer have any information from a loan taken out in 2004 and paid off in 2009. I have since moved house and changed my surname. Once I have the details i need I will then use your letter. I will also look into the possibility that nothing was questioned on my pre existing medical condition which I doubt now they would have paid out for which I was not aware at the time i took out the loan. Did you also send the questionnaire about your account/loan/ppi which is on the moneysaving expert site with your letter or was your letter alone enough? Did they pay out after only one letter?

Many thanks

Dobedo

dobedo

ps does anyone have the correct and up to date address to contact Cahoot/Sandander to request my account details in order to start my ppi claim??? (I dont want to be sending information to the incorrect address)

hope someone can help??

rv02

Does anyone kow what address to write to in order to get a copy of my Cahoot loan which I had in 2004. I wrote to Santander and they ssaid they have no records of this

Thanks again and sorry for asking the same questions as others

bwatt00

I had a loan with cahoot the flexi loan they had way back lets say im still paying it now,how do i find out if i have been paying ppi as i did not want this and cancel it if i am, i want to make a claim if i have been paying,for a good few years now they was taken over by santander who i am paying now,so who do i compalin too,whats the address i complain to if someone can post up the details here it would be great,do i complain to santander but it was not them i started the loan with.