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CAHOOT - PPI - Reclaim - Help please

AWB76
AWB76 Posts: 6 Forumite
in Reclaim PPI & other insurance
I took out a flexible loan from Cahoot in 2005. I have been charged PPI for 5 years unbeknown to me, I have checked Terms and Conditions and my agreement, I have never agreed to sign up for PPI.

I only found out as Santander, the new owners of the loan give a breakdown of charges on there paper statements.

I have sent a letter asking for a refund, nobody has got back to me. Santander who now own the loan say it is not there problem and Cahoot say it is down to Santander who manage the loan. Surprise Surprise.

I have instructed them by post to stop the PPI but nobody has got back to me.

Can anybody please help here?

Cheers
AWB 76
«1

Comments

  • di3004
    di3004 Posts: 42,579 Forumite
    AWB76 wrote: »
    I took out a flexible loan from Cahoot in 2005. I have been charged PPI for 5 years unbeknown to me, I have checked Terms and Conditions and my agreement, I have never agreed to sign up for PPI.

    I only found out as Santander, the new owners of the loan give a breakdown of charges on there paper statements.

    I have sent a letter asking for a refund, nobody has got back to me. Santander who now own the loan say it is not there problem and Cahoot say it is down to Santander who manage the loan. Surprise Surprise.

    I have instructed them by post to stop the PPI but nobody has got back to me.

    Can anybody please help here?

    Cheers
    AWB 76


    Hi there

    Even if Santander have taken over, if Cahoot are still active then write to them anyway.

    However, you could give the FOS a ring and they may write to them on your behalf if you request for this, just tell them you don't know what direction to take here.
    They should be able to help someway or another.;)
    http://www.financial-ombudsman.org.uk/contact/index.html

    Good luck, please let us know how you get on, it seems like you do have a good case here.

    Di
    The one and only "Dizzy Di" :D
  • AWB76
    AWB76 Posts: 6 Forumite
    Thanks Di,

    I have contacted the Ombudsmen, they say I have a good case, they will represent me and take the case forward.

    1 week on and Santander (Formerly Abbey National) still can't tell me whom I need to complain to.
    I find it disgraceful, given that Cahoot has only ever been a trading name of the Abbey National, I don't see why there is so much pillar to post passing of the buck.

    Lets see what happens, one thing is for sure I am not going to let this slip.
  • di3004
    di3004 Posts: 42,579 Forumite
    AWB76 wrote: »
    Thanks Di,

    I have contacted the Ombudsmen, they say I have a good case, they will represent me and take the case forward.

    1 week on and Santander (Formerly Abbey National) still can't tell me whom I need to complain to.
    I find it disgraceful, given that Cahoot has only ever been a trading name of the Abbey National, I don't see why there is so much pillar to post passing of the buck.

    Lets see what happens, one thing is for sure I am not going to let this slip.


    Hi there

    So glad the FOS can help, good one......:T
    Will the FOS be able to direct you in where to take the others perhaps as well.;)
    The one and only "Dizzy Di" :D
  • AWB76
    AWB76 Posts: 6 Forumite
    I am slightly anxious, can going to the Ombudsmen affect credit rating and future borrowing?

    AWB76
  • di3004
    di3004 Posts: 42,579 Forumite
    AWB76 wrote: »
    I am slightly anxious, can going to the Ombudsmen affect credit rating and future borrowing?

    AWB76


    Hi and absolutely not.;)

    However, I would if you required a loan is try for one elsewhere to the one your reclaiming from.

    Good luck.
    The one and only "Dizzy Di" :D
  • AWB76
    AWB76 Posts: 6 Forumite
    Cahoot have agreed to give me some money back, a big thank you to Money Saving Expert for the help and guidance. :j:beer::beer:
  • di3004
    di3004 Posts: 42,579 Forumite
    AWB76 wrote: »
    Cahoot have agreed to give me some money back, a big thank you to Money Saving Expert for the help and guidance. :j:beer::beer:


    Well done and Congratulations, that is fab.:T:beer::j
    The one and only "Dizzy Di" :D
  • Stupot29
    Stupot29 Posts: 21 Forumite
    i appreciate this has been a chore but make sure they are giving you all of your money back, request a full list of charges, add the interest and make sure you get it all back, ITS YOUR MONEY
  • Deerbrook
    Deerbrook Posts: 19 Forumite
    Hi

    We are in the same situation with Cahoot and Santander. Just wondering if you could give me the contact address where you got the positive response from.

    Thanks


    (Have sent a PM, but just in case anyone else has any advice on this).

    Thanks
  • di3004
    di3004 Posts: 42,579 Forumite
    Deerbrook wrote: »
    Hi

    We are in the same situation with Cahoot and Santander. Just wondering if you could give me the contact address where you got the positive response from.

    Thanks


    (Have sent a PM, but just in case anyone else has any advice on this).

    Thanks


    Hi there

    Who was is that sold you the policy?

    Just to say whoever sold and set up your policy is the ones you pursue.

    I have found address details below, with the company number, so if you have any paperwork, see if it matches that of these below, good luck.

    Name & Registered Office:
    CAHOOT LIMITED
    SIMPSON WREFORD & PARTNERS
    SUFFOLK HOUSE
    GEORGE STREET
    CROYDON
    CR0 0YN
    Company No. 04867982

    Name & Registered Office:
    SANTANDER LIMITED
    2 TRITON SQUARE
    REGENT'S PLACE
    LONDON
    NW1 3AN
    Company No. 02515268

    Hopefully somoene will confirm soon, good luck.;)
    The one and only "Dizzy Di" :D
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