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Cahoot flexi loan settlement

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LRM2015
LRM2015 Posts: 3 Newbie
edited 7 May 2016 at 5:28PM in Loans
Deleted...

Comments

  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    good luck with a call that far back, if not noted you have zero chance
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    Is it possible to request copies of the phone call transcripts? Certainly.

    Will you get a transcript that shows they accepted a partial settlement? Who knows.
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    Here's the thing, though - a partial settlement is different from a full and final settlement.

    A full and final settlement implies closing the account with no further monies due.

    A partial settlement implies accepting part of the amount owed, with the balance still outstanding.
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • LRM2015
    LRM2015 Posts: 3 Newbie
    Hi, thanks for the reply. I was advised they are meant to keep the recordings for 6 years. Will try a data request and see how it goes.
  • LRM2015
    LRM2015 Posts: 3 Newbie
    Gaz83 wrote: »
    Here's the thing, though - a partial settlement is different from a full and final settlement.

    A full and final settlement implies closing the account with no further monies due.

    A partial settlement implies accepting part of the amount owed, with the balance still outstanding.

    Hi, I was advised they'll accept it as a partial settlement to close the account and that I wouldn't be pursued for the balance.

    If I have no luck with call transcripts I'll make an offer to repay by installments.
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