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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CFO & CashChoice


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Hi all.

 

I unfortunatly have had some financial problems and as a result I have ended up struggling to pay Capital Finance One.

 

I received the following from them yesterday (as its the first time ive managed to get my email):

Dear X,

Your repayment due to Capital Finance One Limited on 25/03/2011 with reference to your credit agreement is in serious arrears.

 

Please call our collections team immediately on 0208 166 1470 to prevent further late fees.

Your account is accumulating late repayment fees and interest as per your Credit Agreement.

Tomorrow a further £25.00 fine will be added to your account.

Your outstanding balance today is £571.25.

We need to resolve this issue immediately.

 

If you would prefer to transfer the funds directly into our account, or pay in the cash over the counter at your bank please use the following details.

 

Important: Please put your Name and Date Of Birth as a reference on any payments so that we can easily identify them.

CFO COLLECTIONS

 

Now this morning I sent them a polite message stating that Im suffering from hardship atm:

My appologies for not being able to contat yourselves prior to this, due to problems with my ISP access and other matters I have been unable to gain access to the internet.

 

I am currently suffering financial hardship to the extent of looking to speak to a debt management company as I gave no income comming in until end of this month (very low although a figure has not been provided), due to leaving employment.

 

Can you please tell me what details you need from myself regarding a repayment plan, and also what is to be expected as a repayment?

Thanks

NB CAN I PLEASE REQUEST ALL COMMUNICATION TO BE DONE IN WRITING

 

They have instantly replied and im quite nervous about it:

Thank you for your E-mail. Is there any way today you can make the Interest and fines payment on the account to defer the loan, this will save you a large amount of money in the long run. If you cannot do this, as the account is in Default, as per your contract fines and fees will be applied to the account until the balance is settled in Full. You will also receive daily calls/texts and E mails chasing the Debt. After a period of 33 days of being in default the debt will be passed to our door to door collections team. They charge their own fee which for the debt recovery which you will be eligible for paying. We suggest therefore that you try and at least make the interest payment to defer the loan to avoid this. We can also take a payment from your debit/credit card or if needed from someone else credit/debit card who may wish to pay on your behalf.

 

Please fill in the following if you wish to make the payment for the Interest today.

Long Card Number

Valid From

Valid To

CVV

The door step collections bit is scaring me, I thought that me contacting them to arrange payments etc would help - but looks as if i am wrong - is there anything i can do?

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Hi,

Those fees and charges can be reclaimed so don't worry too much about that.

 

Email them this letter:

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

If anyone turns up, give them a copy and tell them to go forth (or other suitable language you choose)

 

Use the letters in this link to negotiate with them

 

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

DO NOT phone them-ever

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Is email applicable or should i do it via post?

 

Oh and would I be able to request the CCA or is that by the by - (could give me abit more time to get funds etc)

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If you can do it by post, I think that is the way to go but I always say, send by recorded delivery as you then have proof they have received your letter. Sometimes email can disappear. If you want to do it via email, get a read receipt.

 

If you don't have all your statements then I would suggest a SAR to them (I'm asuming this is a loan)

You could CCA them but nowadays that doesn't achieve too much unless they haven't got anything to tie you to the account (unlikely)

 

That email they sent was designed to scare you. Offer them what you can afford, no more-no less. I would imagine they have already screwed your credit file so what else can they do to you-nothing without going to court.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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This lot are just a bunch of bullies - saying that they are probably a cpl of men in an office wearing dresses... the emails are a way of them showing some form of masculinity!!

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These are the worst of the worst cowboys and having had dealings with them i feel for anyone in this mess. Now from experience keep emailing your offer of repayment. Dont pay them anything till they agree to it. They send you charges via email everyday to scare you and bully a payment from you through fear of an ever increasing debt dont be fooled. If that fails wait till they will start sending discount offers on the debt.

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ads-uk,

haha dont be worried by their empty threats, they will do no such thing as what they threaten to do, I keep emailing them my repayment plan, they have told me they will reject my repayment plan but have given me their bank details if I want to make token payments!!! , so I have set them at 10 pounds a month by standing order to the bank account I have pasted below. I will pay what I owed when I first contacted them with my repayment plan, and not a penny more. If you make token payments of 10 a month, they cant send anyone to your door. 1- Its illegal anyway without a court order 2- They cant get a court order if you are paying (even at 10 a month) .

 

Bank details are as follows:

NATWEST:

a/n: 14203995

s/c: 601801

ref: Your Name

 

Also, the emails they have sent you are the same ones they have been sending me daily for weeks now, Its all generic rubbish which they wont act on. Dont let it worry you, I barely read them anymore.

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  • 3 weeks later...

Email recieved today (Easter Sunday??)

Your repayment due to Capital Finance One Limited on 25/03/2011 with reference to your credit agreement is in serious arrears.

We have today authorized Philips Home Coll to proceed with the collection of this debt. Their fees will be added to your account accordingly.

Capital Finance One will however be taking the relevant steps to enforce legal action over the coming weeks unless immediate payment is made.

If you wish to contact Capital Finance One to discuss this outstanding balance please call 0208 166 1470 and speak with our collections department.

Your outstanding balance today is B#767.50.

 

What do I do now, have they sent it to a doorstop collection company?

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Argh the same old threatogram to scare you into giving them something you simply dont have. Until you find employment can you afford to send a token 5 pound or 10 pound payment per month ? . Listen they can not have the money theyre demanding. Youve informed them of the dire financial siuation you have found yourself in. That small bit of money you going to need to live, eat etc. They are not a priority debt so they can shout and scream but for gods sake dont be bullied. No one can come to your home or take your property unless a judge ordered it but keep your emails keep sending them a token offer .

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In-trouble has got it slightly wrong - they CANNOT send a doorstep collector round at all - the doorstep collectors have no powers, are on commisison basis salaries and therefore are as aggressive as the commission is high (or low). They cannot contact you at other addresses either which is another of their fruitless threats.

 

The token offer can be as low as £1 if it gives you a breathing space to pay of another lender.

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sent them this and the carly woman:

YET ANOTHER EMAIL AND PHONE CALL / TXT MESSAGE FROM YOURSELVES. As previously stated to a number of people at CFO. There is no further paydates as I am now out of work.

I can only afford £10 pcm – this is the best off I can do – I would wish to go this route than dealing with a Debt Management Company.

I notice how you have now instructed “Phillips Home Coll” please NOTE my attached email – WHICH WAS RECEIVED BY YOURSELFS REGARDING DOOR STEP COLLECTION.

In ADDITION to the attached I have also sent emails on the 12th 13th 14th April which have all gone UNANSWERED, and to the ones sent to a Carly McQuillen.

Please tell me as to why you will not respond???

Regards,

I did attach previous email about recinding doorstep visit - should i contact this doorstep agency on tues (cos of bank hol) and send them the same info?

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  • 1 year later...

Hi all,

 

Has anyone received any correspondence from CFO / Cashchoice regarding reducing payments to enable you to take a new loan?

 

My brother has received the folllowing this week:

 

CashChoice: Email

Balance: £3265.59

 

REDUCED SETTLEMENT OFFER - £785.59 (

 

DearXXXXXXX,

 

Despite our repeated efforts for payment, the above account remains unpaid. We are unaware of any legitimate reason for non-payment. However, without prejudice, we are willing to accept a reduced settlement figure in order to draw the matter to a close.

____________________________________________________________________________

 

Our offer of full and final settlement: £785.59

 

To be paid no later than noon 26/11/2012

_________________________________________________________________________

 

Payment can be made by calling our offices on 0330-088-3577 with your debit card details.

 

We would prefer an amicable settlement; however, should the settlement amount not be paid by the specified date, we will not hesitate to take such further enforcement action as may be appropriate.

 

Should you have any questions, please telephone our offices on free phone telephone number 0330-088-3577 .

 

Important: If you are not the named person above, please contact us to stop any further communication.

 

Regards

http://www.cashchoiceuk.co.uk

 

Always quote Loan Number on all communications.

 

Telephone calls may be recorded for training and monitoring purposes.

 

CFO: Text Message & Email

Introducing CFO Resolve!

 

Get your account out of default and up to £200 in your account today!

 

Apply online or Call 0203-195-1184

 

Dear XXXXXXXX,

In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

By taking advantage of this offer we will:

1) Remove all fines and interest currently on your account.

We take your current outstanding balance, including all late interest charges £940.13 and reduce it to the original £375.00 that you initially borrowed!

2) Offer you more money.

We have an available £75.00 that we can transfer to your account today!

3) Set your due date for you next payday.

We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

4) Get your account out of default with CRA’s

We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

 

This is effectively a new loan & an opportunity to borrow from us again in the future!

Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

Kind Regards,

 

CFO TEAM

 

He has took the two loan's out with them back in 2010/2011 and did go through a Debt Management company but did not include these two due to misplacing all paperwork when moving from his partners.

 

I got him to get his credit report and the only thing with a default is Cashchoice at the over inflated value quoted. with it increasing each month.

 

I like how both are willing to remove all charges and interests (especially Cashchoice at over 400% reduction).

 

 

Should I get him to do the whole £1 request and then SAR?

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Got an email from them today. Balance of £1740 settlement figure of 340. Never heard of them before. They even stated they had tried to contact me on several occasions. Never had any postal mail from them. Sounds all a little suspect. I would just ignore tgese monkeys. As for phoning them dont. Email or postal mail, never speak to people like them.

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  • 5 months later...

Morning, we have submitted SAR's to both Cash Choice and CFO on the 18/03/2013

 

Now the Cash Choice one was delivered and signed for on the 19/03/2013, but the CFO one wasnt.

 

The track and Trace said "We have tried to deliver your item from our LEYTONSTONE Delivery Office before 09:39 on 19/03/13 and we have left a while you were out card." so I left it assuming someone would collect.

Then on the 08/04/13 I rang Royal Mail requesting a re delivery. They attempted this yesterday and once again track and trace says: "We have tried to deliver your item from our LEYTONSTONE Delivery Office before 07:39 on 11/04/13 and we have left a while you were out card."

 

I'm sure I have the correct address as its the one that appears on his Experian report.

 

Heres the address:

CFO LENDING LTD

Level 2

Kirkdale House

Kirkdale Road

Leytonstone

London, E11 1HP

 

Any suggestions?

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  • 1 month later...

I'm beginning to think that alot of these payday loan companies do not know what a SAR is.

 

Today I have received a reply to my SAR request from CFO, and also an Email from Cash Choice (nothing to do with my SAR request)

 

The Email from Cash Choice reads:

Balance: £3985.59

 

REDUCED SETTLEMENT OFFER - £996

 

DearXXXXXXX,

 

Despite our repeated efforts for payment, the above account remains unpaid. We are unaware of any legitimate reason for non-payment. However, without prejudice, we are willing to accept a reduced settlement figure in order to draw the matter to a close.

____________________________________________________________________________

 

Our offer of full and final settlement: £996

 

To be paid no later than noon 5/6/2013

_________________________________________________________________________

 

Payment can be made by calling our offices on 0330-088-3577 with your debit card details.

 

We would prefer an amicable settlement; however, should the settlement amount not be paid by the specified date, we will not hesitate to take such further enforcement action as may be appropriate.

 

Should you have any questions, please telephone our offices on free phone telephone number 0330-088-3577 .

 

Important: If you are not the named person above, please contact us to stop any further communication.

 

Regards

http://www.cashchoiceuk.co.uk

 

Always quote Loan Number on all communications.

 

Telephone calls may be recorded for training and monitoring purposes.

Now the first thing is the Balance, on my credit file it says "Defaulted Balance £880, Current Balance: £1480. File updated 25/09/2011", then I noticed the "Dear" part - it just had my surname, not my first or MR xxxxx but just my surname, very professional. As you can see no mention of anything to do with my SAR request.

 

Next is the letter I received from CFO:

 

[ATTACH=CONFIG]43829[/ATTACH]

 

There is no Default notice, contact infomation ie telephone call transcripts, emails and yes I have had a few and replied to no acknowledgement (unfortunately I'm having trouble recovering these due to a damaged PST file), and NO signed agreement.

As the letter says its just a contract, and its not even a photo copy as you can see the ink & impression marks on the reverse side of the pages.

 

Of course they want me to pay £940 (Credit report updated 21/04/2013) but I get emails from CFO Resolve saying we will let you pay £375 clean up report etc.

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So in 7 months this is no nearer being resolved.

 

Time to ignore them and escalate your complaint to the OFT and TS.

 

And if that is all they have sent you in relation to your SAR request, so long as they are out of time (40 calender days) then you can either remind them of this by way of a letter, giving them a further 7 days to comply or you will escalate this to the ICO for their investigation.

 

Or you could simply escalate it without informing them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The SAR requests were sent 18th March, cash choice received 19th March so that's 64days.

CFO was a "we have attempted delivery" card was issued to them on the 19th March BUT never collected so I arranged for re-delivery again a card was issued BUT they collected and signed for it on the 10th April - so where do I stand? I do have the original receipts for the Recorded delivery.

 

And yes that is all I recieved from CFO - no default notice, no chase emails/letters not even the copies of the CFO resolve emails.

This mornign I have woke to a text from them stating "your balance is still outstanding. After review of your account we are willing to settle your balance with a 50% discount. Call 02080451382 now."

 

I wonder if this is 50% of the £940 or the £375

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Isn't it against OFT or FSA/FCA regs to encourage people to take out more debt to pay a debt??????

 

They need reporting

HTH (Hope This Helps) RDM2006

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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OK Cash choice get the letter before action (LBA) give them a further 7 days to comply with your legal request, failure to do so will resort to you making a formal complaint about them to the ICO.

If they still ignore your 7 day timescale, then make the complaint to the ICO and ignore anyone else until the ICO have conducted their inquiry.

 

CFO, 40 days from when they signed for it, again allow them the full 40 days, when they fail, they get exactly the same treatment, the LBA then the ICO if they fail.

Ignore the texts, keep a diary of events and forward those texts to 7726, they are then marked as spam.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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