Hi, I was wondering if someone can help me decide if I have a claim for redress? I had 4 loans in total with CFO Lending (3 rollovers) at the same time I had multiple loans with other payday loan companies. I have received a statement off CFO (copy attached). What is my next course of action? Date Generated: 07/07/2016 Agreement No: Created Message Debit Credit Account Balance 20/07/2012 Principal £130.00 £130.00 20/07/2012 Interest £50.70 £180.70 31/07/2012 Deferrral Payment -£50.70 £130.00 31/07/2012 Deferral Interest £63.70 £193.70 14/08/2012 Interest Refund -£63.70 £130.00 14/08/2012 Proceeds to 2 -£130.00 £0.00 Agreement No: 2 Created Message Debit Credit Account Balance 14/08/2012 Principal £130.00 £130.00 14/08/2012 Further Funds £70.00 £200.00 14/08/2012 Interest £98.00 £298.00 31/08/2012 Late Fee £25.00 £323.00 03/09/2012 Deferral Payment -£98.00 £225.00 03/09/2012 Card Payment -£25.00 £200.00 03/09/2012 Deferral Interest £98.00 £298.00 05/09/2012 Payment -£98.00 £200.00 12/09/2012 Deferral Interest £98.00 £298.00 28/09/2012 Deferral Payment -£98.00 £200.00 28/09/2012 Deferral Interest £98.00 £298.00 03/10/2012 Interest Refund -£98.00 £200.00 03/10/2012 Proceeds to 3 -£200.00 £0.00 Agreement No: 3 Created Message Debit Credit Account Balance 03/10/2012 Principal £200.00 £200.00 03/10/2012 Further Funds £160.00 £360.00 03/10/2012 Interest £176.40 £536.40 31/10/2012 Deferral Payment -£176.40 £360.00 31/10/2012 Deferral Interest £176.40 £536.40 30/11/2012 Deferral Payment -£176.40 £360.00 30/11/2012 Deferral Interest £176.40 £536.40 31/12/2012 Deferral Payment -£176.40 £360.00 31/12/2012 Late Fee £25.00 £385.00 01/01/2013 Card Payment -£25.00 £360.00 02/01/2013 Deferral Interest £129.60 £489.60 31/01/2013 Late Fee £25.00 £514.60 04/02/2013 Card Payment -£25.00 £489.60 04/02/2013 Deferral Payment -£129.60 £360.00 05/02/2013 Deferral Interest £129.60 £489.60 13/02/2013 Interest Refund -£129.60 £360.00 13/02/2013 Proceeds to 4 -£360.00 £0.00 Agreement No: 4 Created Message Debit Credit Account Balance 13/02/2013 Principal £360.00 £360.00 13/02/2013 Further Funds £60.00 £420.00 13/02/2013 Interest £151.20 £571.20 28/02/2013 Deferral Payment -£151.20 £420.00 28/02/2013 Deferral Interest £151.20 £571.20 28/03/2013 Deferral Payment -£151.20 £420.00 28/03/2013 Deferral Interest £151.20 £571.20 30/04/2013 Deferral Payment -£151.20 £420.00 30/04/2013 Deferral Interest £151.20 £571.20 31/05/2013 Deferral Payment -£151.20 £420.00 31/05/2013 Deferral Interest £151.20 £571.20 28/06/2013 Card Payment -£98.80 £472.40 28/06/2013 Card Payment -£151.20 £321.20 28/06/2013 Card Payment -£50.00 £271.20 28/06/2013 Balance W/O -£271.20 £0.00

Did you have to do anything yourself to get this, or did it just come out of nowhere? Think I'll be sending them an email to see how much (I must) be due.

I've retained a screenprint of the winning screen, a screenprint of the terms and conditions, a copy of the letter with my contact details, a copy of the "winning" label, and the reciept for the recorded delivery sending of the claim. The competition was run by Brothers Cider, and can be found at Brothers Passport. It was a label found on the bottle and a purchase was required to enter. It does state in the terms that winners will be notified instantly on screen, and thats what happened, so I don't see why my claim can be refused.

Hi, I have recently entered an online competition, for this I had to enter a code from a bottle of cider on to the website in question and then see if you win. Anyway, I entered my code, and then recieved a message saying that I had won a holiday, and to send off my winning label and my contact details to them. I followed their instructions to the letter. I have now been told that my code was a losing one, and they will not honour my win. I have broken none of their terms, and I have entered the code on my label. I recieved the winning screen, and sent off a screen print of this with my label and details. Therefore I believed I have won, I don't see why this should be stripped from me because of their error. Does anyone know where I stand on this, can I pursue this? Thanks in advance for any help Jambo