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IN-Trouble

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  1. Ive done my research on them, in 6 years of business, they have never taken anyone to court, or sent an agent to visit, they get a fee from the customer (capital finance one in this case) inorder to recover debt, but they dont do anything to recover it, other than sent threatening letters in big bold writing, when capital finance realise that theyve been screwed and wont see any money that way, theyll send you an email begging you for any money you can pay, thats the stage im at.
  2. I look forward to daniels silvermans next letter explaining why they stood me up like that . (maybe ill invoice them for the wasted cup of tea) I have never seen a bigger bunch of clowns. The sad thing is that some people believe their threats. Someone needs to put the word out that theyr as dodgy as can be, and not to be dealt with under any circumstances.
  3. Ignore daniel silverman, theyve never taken anyone to court. pay what u owe originally , and not a penny more, and do it in your own time, to capital finance one. Daniel silverman have sent me over 30 final demand letter, court action letters, agent visits letters, nothing ever happens. Stop stressing.
  4. Bunch of liars, I thought i could trust them, i thought we were mates, they were coming to discuss this very urgent matter, which will land me in court cookoo land, and cost £1000, on a £300 loan (yeh right ) and this was my final chance at redemption..... Half an hour late, not a sign of my new mate agent, not even a phone call, Im sitting here, feeling lonely, unloved, teas got cold, I HATE YOU DANIEL SILVERMAN!!!
  5. Got a letter from daniel silverman, their agent was meant to be coming to see today, 12 minutes ago , to discuss my debt. Ive worn my best tie, made tea, even bought cookies , im sure hes just delayed and will get here, im just worried the tea is getting cold. Anyway, ill let you know what happens.
  6. They wont take you to court for that, and unlike capital finance one and others, they wont add charges onto your debt. Theyll keep sending you emails telling you your credit rating will be affected(like I care about my credit rating at this stage) and that the loan will be passed on to an agent etc etc, a few months later Keys Whitlock will send you similar letters, and asking for a part payment or a repayment plan....This is when you phone them up and set it up. Until then, try and pay off one of the other loans, so that a few months down the line you can afford a repayment plan to pduk.
  7. Capital finance one, the biggest thieves of all. I owe them 360 pounds, which is now 822 (according to them and Daniels Silverman haha ) . I have set up a standing order payment to them, 36 pounds a month for 10 months. This is what I owe, and its what theyll get. In reality though, I do not need to pay anything if i didnt want to, Daniel Silverman , the fraudsters they use to get their money,in years of business, have never taken anyone to court, they have basically screwed capital finance one over by getting a fee from them in order to recover their debt, which they have no urgency in doing. Daniel Silverman will send all sorts of FINAL DEMAND, WE ARE COMING OVER. bull**** rhetoric , theyll never act on it. So, the lesson is, pay what you owe and no more, if you want to pay at all.
  8. About 5 months after repeatedly ignoring my generous 100 pounds a month offer , telling me to call them etc etc, they pass the debt on to a DCA called Keys Whitlock, which is not external, its just them in more threatening mode, after a few letters from them, including a "we have come to visit you and you werent at home but we will come again" postcard, which looks like its been dropped in the letter box until you notice the first class stamp on it. They then send a letter literally begging for any money I can afford to give them, my debt is 600, they dont want to go to court for that, so theyll accept a repayment plan. Unless you owe them thousands, do the same. We all accept that we owe the money and want to pay it back, but the bullying has to stop .
  9. Im in a repayment plan with txt-loan, one more payment to go, free of them next month, then ill start dealing with payday uk, who are very annoying. Txt loan details are below, as far as payday uk go, stop sending them emails, ignore them, in the end theyll send you a letter saying theyll accept 75% of what you owe, then theyll say theyll accept a plan, itll be months from now, so dont panic, deal with the companies that want to deal with you, payday uk will come round when you ignore them long enough Receiver - TxtLoan Ltd Account number - 42028948 Sort code - 402103 Ref: your loan ID
  10. Thank you very much silly girl. I went on daniels silverman website, I can make payments online, if I make token payments, 10 pounds or so, every now and then, can they still take my to court if the account it technically "in payment"?
  11. Daniel Silverman is the DCA the thieves at Captial finance use.
  12. After months of offering repayment plans and being ignored while fines are added to my loan. I have today recieved an email from Daniels Silverman . FINAL REMINDER , pay within 7 days or something very bad will happen . The total is now 671, on a 300 pound loan. What a bunch of comedians. Ill see them in court.
  13. My initial loan was 268, now its 500. 20 a month is all theyre getting. They can pass it to who they want.....Door to door collection, if they can get past the dog in one piece ill pay the full amount . They are by miles the worse , everyone else is prepared to do some sort of negotiating.
  14. Can I just say that id sooner sell my kidney then ever taking out another loan with capital finance one, their bully boy tactis are hilarious. Every day I get a different person emailing me with "I am your personal account manager, this is your last chance to pay off your loan before we pass it onto a door to door collection agency, you have till 5 pm" . Ive got about 6 of these emails, as well as rediculous charges. I know they wont pass it on, because they want to add their charges, and they know I cant afford to pay off the loan otherwise I wouldve, so whats the point of the constant emails. Theyve joined payday express on my ignore list. Ill see them in court.
  15. Your are stressing for no reason, its only as big a deal as you make it out in your head. Stop letting them bully you, if theyr not accepting your very generous offer, ignore them, thats what i am doing. Pay day express can go to hell . Ill wait till they pass it on to a DCA and ill pay them 20 pounds a month. I spent 6 weeks offering them repayment plans, and gave them an I/E breakdown, this is far as I was prepared to go, I am now ignoring them. They keep sending the same email over and over again. Im not losing any sleep over it. You shouldnt either. You will only ever get to court if you refuse to pay ANYTHING to them or the DCA, you are clearly not doing that, even 10 pounds a months when it goes to a DCA will mean they cant take you to court because the account is in payment. That is the bottom line, relax, and stop feeling so guilty, its only money. :0 I
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