Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

+ Reply to Thread
Page 1 of 19
1 2 3 11 ... LastLast
Results 1 to 20 of 365
  1. #1
    Basic Account Holder gary105 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2006
    Posts
    58

    Unhappy Capital Finance One/Payday Credit - Anyone else used them? -

    Hi,

    I stupidly took out a 100 loan with these in December last year. Basically I had to roll over the loan for a couple of months as I couldn't afford to pay. I checked my bank statement yesterday and found they have taken out two lots of 30.00 from my debit card(extension fee) on the 4th and 10th March. I called them yesterday afternoon and was told that the 'accounts department' would email me back within a couple of hours to let me know what happened. However, I still haven't heard from them, so I put another call into them this morning and was told an email was sent. So I asked to speak to them and the guy told me they couldn't do that and yet again I was told someone would email me back within 30 minutes (Still nothing!)

    I'm worried about this as they've got my debit card details!

    Any advice please would be really helpful.

    Thanks


  2. #2
    Site Team The Consumer Action Group BankFodder has disabled reputation BankFodder's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2006
    I am in
    Please consider making a donation if we have helped you. Thanks
    Posts
    18,522
    Blog Entries
    13

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Firstly, you shoujld not be talking to these kind of people on the phone without recording your callsicon.

    Secondly, if you really want to protect yourself, tell your bank that you believe that your card details have been compromised, that you want the card cancelled and a new one issued. this will prevent any further access with your old number.

    pay day loansicon = death.
    No one should ever get involved in these. It is a one-way street to complete ruin.


  3. #3
    Basic Account Holder gary105 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2006
    Posts
    58

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Thanks - So shall I tell them that I expect the extra 30 to be deducted from my balance by email as well?


  4. #4
    Basic Account Holder momonamission Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    May 2009
    Posts
    6

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Hi there i applied to capitalfinanceone for a payday loanicon of 100 pound untill i got paid, i was declined for the loan, but on my payday they deducted my bank account the 100 pound for the loan and 30 pound interesticon when i didnt even have any money of them in the first place. I have sent them several emails to them explaining what has happened and asking for their response as i clearly want my money back as i owe them nothing anyway, i have rang endless amounts of times and nobody ever answers, Please help how do i go about getting my money back, when they will not respond to my contact.

    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder shercock Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    May 2009
    Posts
    1

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    hi i have used this company a couple of times without any problems the only hassle i have had is with my bank [halifaxicon] it takes around 4 days for the money to appear in my account. i should point out i would only use a payday loanicon in a real emergency


  6. #6
    Royalties Gold Account Holder
    Help the CAG!!
    Download our toolbar
    postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative postggj Authoritative

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2007
    Posts
    22,481

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    seems a few new posters saying they have used this company on there first posts and are great

    hmmmmmm


  7. #7
    Basic Account Holder dgburf Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    May 2009
    Posts
    2

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Quote Originally Posted by momonamission View Post
    Hi there i applied to capitalfinanceone for a payday loan of 100 pound untill i got paid, i was declined for the loan, but on my payday they deducted my bank account the 100 pound for the loan and 30 pound interesticon when i didnt even have any money of them in the first place. I have sent them several emails to them explaining what has happened and asking for their response as i clearly want my money back as i owe them nothing anyway, i have rang endless amounts of times and nobody ever answers, Please help how do i go about getting my money back, when they will not respond to my contact.
    I too have had various problems with this company, and I know where you are coming from when you say that nobody ever answers the phone. I get the impression that this outfit is just four guys in an office. I borrowed 250.00 from this lot and the day before I was due to repay it became neccessary for me to roll the loan over. The next day 75.00 should have been taken from my account as agreed over the phone with them, however, at 0100 hrs the following mornking they took 325.00 totally emptying my bank account the dat before my sons 16th birthday.

    Upon speaking to them it was agreed with them that they had made a mistake and the 250.00 would be creditted to my account by FPS. That day no funds arrived, next day no funds arrived so I called them that they assured me that the funds had been transferred. Next day still no funds, called again and was assured once again that funds had been transferred. Next day no funds, upon callaing again I was told that unfortunately funds had never been transferred and I would need to take out another loan with them to get back the 250.00

    After a huge argument demanding funds the same day I was finally browbeaten into asking for another loan. At which point I sai that I would certainly not be paying them any interest on the new loan as it was their mistake. They would not agree to this and I was finally forced into accepting to pay the interest, and a new loan agreement was to be sent to me.

    Low and behold instead of a new loan agreement I received an email from their accounts manager informing me that my comments in the phone callicon to them had voided any contract I had with them and they had no intention of making me that loan, and it was pointed out in no uncertain terms by them that they would conduct no further business with me in the future, even though I had never defaulted on a loan with them.

    It seems that my conversation regaing not paying interest was being monitored and recorded by the accounts manager. At no point was it stated that the call was being recorded or monitored, and it seems that the guys in the office had a good laugh at me pleading my case.

    Sorry that I have gone on so but I do sympathise with anybody dealing with this company, and I would suggest that you maybe take your case to the FSA or the consumer crediticon council. When dealing with this lot ALWAYS RECORD THE CALL.


  8. #8
    Basic Account Holder PaulW922 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2007
    Posts
    230

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Hi DG - can you show that they entered into an agreement with you to roll over the loan?


  9. #9
    Basic Account Holder dgburf Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    May 2009
    Posts
    2

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Quote Originally Posted by PaulW922 View Post
    Hi DG - can you show that they entered into an agreement with you to roll over the loan?
    Unfortunately this agreement was made over the phone, the only proof maybe that they seem to record their phone conversations.


  10. #10
    pta pta is offline
    Basic Account Holder pta Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2009
    Posts
    1

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    i am having problems getting a refund from Capital finance for additional funds they withdrew from my bank account. I have sent several emails which are unanswered spoke to spoke to someone on friday and yesterday who assured me the accountant had looked into and refunded 95 back into my account. The problem i have is that due to their unauthorised withdrawal i am now overdrawn and will be charged fees for an unpaid direct debiticon. It has cost me over 10 in phone callsicon to them and that dosent include the time wasted in trying to get through to them as they do not answer the phone very quickly.
    Is there anyone legally i can threaten them with who will pursue them for me?. I really dont think it is fair that they can treat customers in this way and get away with it. It is us that suffer.


  11. #11
    Basic Account Holder turnedaround Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jun 2009
    Posts
    1

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    TO ALL

    ref123


    TOday i found that capital finance one had taken the complete 130 pound out of my account after i had spoke to them to try and arrange a repayment planicon as i would not have the funds available . As u can immagine i was outraged to find the funds gone and my account been left with a 28 fine for going over my limit. i wanted to find out if i was the only one so came accross this site and started to think this company is a fiddle when reading comments from customers stating similar situations.

    Although i tohught calling them would do nothing after reading these comments i thought theres no harm in trying. I have just come off the phone and to be honest i was amazed .......they have cleared up the whole situation and are even putting some funds back into my account to put me within my limit at my bank and have apologised. I just thought as people are putting bad comments i wanted to make sure the forum was fair and i think capital finance have handled the situation better than most lenders would thats for SURE!

    my advice if worth anything is use this company, everything should go smoothly and even if for some reasin it doesnt i can tell you first hand that they will do everything they can to help.


  12. #12
    Basic Account Holder robjam1969 Novitiate robjam1969 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    Midlands
    Posts
    826

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    postggj had the right idea with this. Another first time poster singing the praises of Capital Finance One.

    Apologies if you are not an employee of theirs!


  13. #13
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    Posts
    9,046

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Whilst the funds may have put you bace in the black they didn't add the bank charge on did they? Therefore you are still out of pocked and should get the bank charge deducted from any further amount they claim you owe.

    Again I agreem with other posters this sounds like an employee trolling, especially as the previous post was 9th June....


  14. #14
    Basic Account Holder robjam1969 Novitiate robjam1969 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    Midlands
    Posts
    826

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Another first time post from Cap Finance One. Interesting that the last two posters are both viewing now. Sat next door to each other by any chance?


  15. #15
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1 Authoritative sillygirl1's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    Posts
    9,046

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Be interesting to see if they are sending from the same location!

    I think all these payday loanicon companies should have a 3 month loan system, where you pay the loan back over three months, with interesticon at standard rate ie 8%... and if you want to pay back more then a rollover fee is not applied to the whole amount only to the remainder of the loan.


  16. #16
    Basic Account Holder Muggle1977 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    Posts
    13

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Wish i had of read this before i applied for a loan with this company on the 12 August 2009.

    I was informed i would get my loan and i should have it within 48 hours which never arrived. On speaking with someone which took several attempts as no one answered, i was told they where having tech issues, how ever this would be sorted soon. A week alter still no loan or update so i emailed to be told there was no time scale for this issue to be fixed, they gave me the option to cancel my loan which i did, with full email confirmation from them.

    Imagine my suprise when my bank informs me that Capital Oneicon finance have taken a payment of 22.10. I emailed Capital one Finance who i must say replied within 2 hours!! They informed me this was a error thier part however they couldnt refund this amount at present because they where still having tech difficulties!!!

    How do i get my money back??


  17. #17
    Basic Account Holder MsWeatherwax Novitiate MsWeatherwax Novitiate MsWeatherwax's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2008
    Posts
    143

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Don't do payday loansicon myself any more as they're a death trap, but my brothers girlfriend took out a loan with COF and her experience exactly mirrored that of those commenting that they agreed a roll-over only to have the full amount deducted on the due date. She then had to agree another loan with them, which failed to materialise after 4 days despite being told that the money would be transferred at 5.30 the same day. When she called them, she was told the loan had been declined. Personally, I think that was blessing in disguise, but it caused them a hell of a lot of short term problems.

    I don't quite understand why a business would make this sort of mistake multiple times, unless perhaps they're having cash flow problems and can't afford to take the reduced roll-over fee from their clients. I'd be a bit nervous doing business with them.

    I also find all these people with new accounts highly suspicious....


  18. #18
    Basic Account Holder robjam1969 Novitiate robjam1969 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2007
    I am in
    Midlands
    Posts
    826

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    A friend of mine reckons this lot could fold any day now hence their tech problems. We can all but hope! Don't give them your bank details under any circumstances. If you have to have a pay day loanicon don't use this lot. My mate works for their bank.


  19. #19
    Basic Account Holder Dannyde Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    Posts
    24

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    I've had a loan with these guys and think they have just taken an extra 300 out of my account, I can't get through on there telephone numbers and would like it back! no replies to emails either, anyone got another phone number for them?


  20. #20
    Basic Account Holder MsWeatherwax Novitiate MsWeatherwax Novitiate MsWeatherwax's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2008
    Posts
    143

    Default Re: Capital Finance One/Payday Credit - Anyone else used them?

    Quote Originally Posted by Dannyde View Post
    I've had a loan with these guys and think they have just taken an extra 300 out of my account, I can't get through on there telephone numbers and would like it back! no replies to emails either, anyone got another phone number for them?
    I'm afraid I don't Danny, but if you go to:

    SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers

    And search the number you DO have, you may get lucky and also not have to pay through the nose for the call. Out if interesticon if you don't mind me asking, were you expecting your loan to be rolled over but they took the whole amount?



Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE