Stop Calls From Cahoot Loans and Remove Them From Your Credit Report
All too often, debt collectors claiming to be collecting on unpaid Cahoot loans cross the line, violate consumer rights, and engage in threatening or harassing behavior. Furthermore, they get away with it because people either don't know the law or don't know who to turn to
Because the banking system is based on fiat currency and fractional reserve lending, it requires constant top-down control just to keep the system from falling apart. The result is an endless amount of legalese, loopholes, and mind-numbing research just to handle simple payments that are now almost totally impossible — in its place is an endless cycle of creditor and debtor relationships where the best anyone can do is to set off charges.
As a result, money of accounting has replaced intrinsically valuable money of exchange in general circulation. It's not your fault, and the good news is that in its wake is an endless number of administrative legal issues that creditors and debt collectors must heed in order to collect on actual or supposed debts. That's why DoNotPay has created the Debt Collection product to help you streamline protection from unscrupulous money lenders who back right down with a little knowledge applied in the correct way.
Who Is 0808 280 2256 and Why Are They Calling Me?
Though it's not their main telephone number, Cahoot has been known to call people from this number and ask private details such as name, birth date and address. It's a given that they are recording the call and building a case against those who they know or believe owe them a debt.
Cahoot Contact Details
To contact Cahoot yourself, we've compiled their contact info below (updated 2022). Just be extremely careful with your words, and commit to writing anything you think might even have legal significance than over the phone.
|Phone (UK)||0330 678 2811|
|Phone (alt.)||0800 9 173 489|
|Phone (Int.)||+44 1908 937 222|
|Address||1 Mays Meadow
Belfast, Northern Ireland
What Even are Cahoot Loans?
Cahoot, which is part of Santander UK, offers loans that seem very attractive to most customers at first. On the other hand, Cahoot has been known in the past to raise loan rates wildly, sometimes several times in a row, and without properly notifying their debtors.
What Happens If I Don't Pay My Debt to Cahoot?
If you simply ignore them and they are certain their debt claim against you is strong enough, they'll probably keep after you until you take court action (don't worry — there are several resources to help you mitigate the debt liability listed below). They may even send a collection agent to your address. Don't assume these are bailiffs, though, because that requires court action. In fact, if they state that they'll send a bailiff to your door, it could be construed as illegal and set the grounds for a solid complaint against them with the FCA and/or Ombudsman.
Make sure that those you live with know the importance of not answering strange visitors' questions — that goes especially with regards to identity. It's a basic matter of privacy, but unfortunately, far too many people have adopted the conditioning of unquestioningly giving one's name on demand.
Just explain that it's a basic matter of privacy and security, and that you've had a psycho stalker in the past who shows signs of using deception to learn more about it. With some debt collectors, there's hardly a difference.
Has Cahoot Violated My Rights?
It's quite possible they've crossed the line into illegality if Cahoot has committed the following offenses:
- Repeatedly contacting you (multiple times a day)
- Contacting you via social media
- Shaming you in the public
- Trespassing onto your property
- Making threats (that includes telling you non-payment is a crime; with most debts, it isn't)
- Hiding the fact that the debt was passed on to another debt collection agency
- Lying to you about court actions that haven't actually taken place
Alternative Ways to Deal With Debt Collectors
If Cahoot debt collectors are targeting you, don't despair — you have many options available to you. Stay calm, and try to frame the challenge by taking it as training in handling debt-based legal-commercial systems in general. More people than ever are helping each other learn how to handle their financial and legal affairs without succumbing to attempts from banking and governmental institutions to brand everyone with a perpetual debtor status. If a significant amount of the population learn how to effectively rebut debt allegations in general, the commercial whirled would be a much better place for everyone.
Demand Proof of Debt
Even if you are certain the debt is yours and that your contract with the original creditor gave them the right to sick third-party debt collectors on you in the event of nonpayment, it's still important to make debt collectors toe the line. It helps everybody when you condition debt collectors that more people than ever know the right questions to ask, because it keeps them on thin ice. Those right questions are to cooly, calmly and assertively ask Cahoot loans to prove:
- Identity of the debt-collection agent and company (if different from the creditor)
- Name of the original creditor
- Verification of the amount of the original debt
- Purpose of the credit
Demand that they stop calling you, and force them to use the post for all future correspondence. This is how you build a court-admissible record, whereas conversations on the phone are almost as bad as being in court without demanding a stenographic record. You can even require them to send all correspondence to your legal counsel or your friendly robot lawyer.
When you have a record of them unable to fulfill basic legal requirements of lawful debt collection, it drastically reduces their ability to obtain a court order — an unrebutted affidavit stands as truth in commerce, and the wayward legal societies have done everything they can to make the courts as commercial in nature as possible.
Negotiate a Reduced Payment and/or Payment Schedule
If you do owe the original debt or feel stuck paying it because of some previous mistake, remember that it's always a negotiation with debt collectors, regardless of what they say. Since the majority of their business (and legal matters, for that matter) revolve around presuming you've entered into a no-holds-barred creditor-debtor relationship with them, it all essentially boils down to contracts — and implied contracts only have implied, rebuttable evidence.
Even if you are on the hook for the debt, it pays to subtly point out the flaws in Cahoot's record-keeping according to those four questions listed above. The more obvious the flaws in their claim are, the more likely they'll be to drop (at least some of) their pretense and be open to lower offers. All the more, they are actually even required by law to accept reasonable offers to settle the debt if settling it in full would leave you destitute.
If you don't have any property worth leining, then you especially should negotiate the lowest possible settlement possible, because even the courts may have a hard time extracting more than small payments here and there from you.
The Alternative Dispute Resolution (ADR) Process
If Cahoot's collection efforts have been particularly questionable, you can bring the issue to the Financial Conduct Authority (FCA). Their ADR process will at the very least make Cahoot behave in the presence of their legal-financial masters — and depending on the strength of your evidence of Cahoot's wrongdoing (and the weakness of theirs), you'll be a lot more likely to get a more advantageous resolution.
The FCA has the ability to fine and even suspend or revoke their license for debt-collection misconduct. Whether you plan to utilize the benefits of this service or not (which again, enters you deeper into contractual relations with the government, but since you probably already are…), learning more about the FCA's ADR process can help equip you with the right jargon that will let Cahoot's legal know that you probably won't be an easy mark for them.
File a Complaint With the Financial Ombudsman
A financial ombudsman with a specialty in handling third-party debt collectors can also field complaints about abusive debt-collection practices. The ombudsman complaint process is free of charge, but you'll need to show a solid effort at resolving the issue with Cahoot yourself first. There are also time limits you must heed or they won't heed your complaint.
The ombudsman looks at various factors when taking your complaint into consideration. For a start, these include:
- Incorrect debt amount
- Wrongly identified party
- Harassment, especially threats
- Refusal to verify the debt (see the four questions above)
- Attempts at making reasonable payment arrangements ignored
- Flat-out unenforceable debt claims
Take Cahoot to Small Claims Court
If Cahoot's debt collection was illegal, you can turn the tables by filing a small claim against them. In the UK, claims limits differ according to region. The limit for England and Wales is £10,000; in Scotland, £5,000; and in Ireland, the limit ranges from £2,000 to £5,000 — Northern Ireland courts have a higher upper limit.
You can also use DoNotPay to streamline small claims court processes! It's easier than you think, but only if you keep it simple and stick to the script. We'll handle all the official post mailings and drafting of documents — you simply give us the relevant information, show up and read the script.
How Long Can Debt Collectors Collect Debt From Me?
The Limitations Act of 1980 limits creditors and other debt collectors to six years (it's twelve for certain mortgage shortfall situations). Note that the six-year time limit applies from the most recent date that the debt was acknowledged, which can include payments you've made to them or (verified) correspondence to them that the court system will construe as acknowledgment of the debt's existence.
That is why it's so important not to communicate with Cahoot except with the most careful and almost robotic sense of strategy. It's all-too-easy to inadvertently say something that can be twisted into admissible evidence to bolster even the most specious debt claims.
How to Make a Payment to Cahoot
If in fact you do owe Cahoot, it's easy to do from the payment portal on their website. It's important to get the most professional-looking confirmation of payment to use in case you hear anything more about it, especially from the courts, in order to prove that you have satisfied the debt.
It may even be better to obtain confirmation from the original creditor (if Cahoot is acting as a third-party debt collector) that they have no debt claim against you either.
Obtain Debt-Payment Assistance
In the UK, you can obtain a debt-relief order to eliminate or at least greatly reduce legal liability for even valid Cahoot loans. A debt-relief order applies to debts under £30,000 and can be obtained for those without ownership of their house. With it, creditors cannot collect money without first being given permission from the court, and in many cases, it's possible to totally discharge the debt after 12 months. Be aware that this process requires taking on other legal liabilities, though, which amount to an inferior legal status as you essentially enter into a contract with the court — so be sure to sign with minimal liability!
Beyond a debt-relief order, there are also other options to reduce debt burdens. With our automated databases, DoNotPay can also filter through the list of money-saving services to find those that fit your needs and help you find help with bills.
Get Debt Help with DoNotPay!
Even when the facts and the law are on your side, most debt collectors have an easy time abusing legal processes to turn the tide of commercial debt waters against you. Those who are just discovering the widespread legal-fiction-over-reality fraud often feel like reclaiming their power is an uphill battle — or even if they summon impressive amounts of fortitude and take these issues on themselves, it's hard to know where to begin.
With the world's first robot lawyer, you don't have to feel frustrated and uncertain anymore. We have the experience and knowledge necessary to quickly see through Cahoot's paperwork maze to see whether or not their debt-collection procedures are in compliance with the FCA's guidelines, relay professionally drafted demand letters and even report them for abuse on your behalf.
More often than not, the law as written is to your benefit, but the spindly-armed pencil-pusher class of today plays a game of chicken with you to see if you know how to actually enforce those laws or not.
Don't worry, because we do! If Cahoot debt collection is on your back, we can help. All you have to do is:
- Search "debt collection" on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
That's it! Once you've chosen the best course of action for you, the world's first robot lawyer will handle ICB debt-collection activities on your behalf. We'll send your debt-validation letter to them through post, and if necessary, we'll also send complaints to the right ombudsman or trade association. Now, you can protect your time and money from questionable, automated debt processes using automated services of our own!
DoNotPay Works for Any Debt Collection Agency
We began helping people get frivolous parking fines off of their backs and have increasingly expanded to what we are now. With a knack for dealing with administrative robots, DoNotPay can help people across the UK cut debt-collection agencies down to size and so much more.
See more of our agency-specific guides to help you stop questionable debt collection practices in their tracks, such as:
- Lowell Financial
- Amigo Loans refund
- Provident loans refund
- Advantis debt collection
- Moorcroft debt recovery
- Marston Group Holdings
- DWP debt management
What Else Can DoNotPay Do?
DoNotPay members have access to all of our streamlined bureaucracy-crushing services right from the palm of their hands. At an affordable monthly rate, it more than pays for itself in the savings in both time and money. Explore more of our other great products, such as:
- Keep free trials truly free
- Locate missing money that's rightfully yours
- Cancel services once and for all
- Increase credit limits
- Streamline online bill payments
As the world's first robot lawyer, our aim is to help people defuse legalized financial abuse with a full suite of streamlined digital tools. Protect yourself from spurious debt collectors with DoNotPay today!