hi , this outfit are threatening court action over a debt with Capital finance one , in a nutshell cap finance one would not accept a repayment plan so handed it over to silvermans . my question is do I need to send them a CPR 31.16 request ?

for reference the original loan of £250 now according to silvermans is £725 , cap finance one have added " fines " and charges for letters not recieved .

Just need to know what letter to send prior to court action , I have kept every correspondence with silvermans and have not spoken to them

thanks

No, you can't do a CPR request as they won't have the information, and this should be in the Payday loan forum....

Daniels Silverman are 'solicitors for rent' and can easily be fended off, I have had considerable experience at doing defences for PDL companies. Basically the company cannot add interest and charges ad infinitum, they cannot add 'file referral fees' or other fees.

All you owe Capital Finance One is £250 plus the one months interest (if you haven't already included it). Daniels Silverman are on a sticky wicket.

You MUST send their letter to the following organisations, explaining you are trying to come to an arrangement but all CF1 want to do is add charges and fees

http://www.tradingstandards.gov.uk

ww.consumerdirect.gov.uk (for the OFT)

http://www.ripofftipoff.co.uk (the newish Trading Standards site to report dodgy firms - which CF1 and DS would seem to fit.

Thread moved to Payday forum.

Hi Silly girl , thanks for the information , I will photo copy the letter and send to the relevants you have told me about . For reference I have already told silvermans that the account is in dispute and that i have tried to come to an arrangement with CF1 on numerous occasions , I have also told them that I will only be paying the original loan plus 1 months interest .

Interesting fact I recieved an email from CF1 saying that they have a new website that you can quote " make a payment , make a part payment or make a payment arrangement "

I replied to the email asking them to clarify the point about making a payment arrangement , I got no reply . So i reng them without giving them my name and said I was making a general enquiry regarding an email that they sent , I asked if they accepted payment arrangements , the girl answered with we dont accept payment plans , is a payment plan the same as a payment arrangement ?

I told her that the email states you accept payment arrangements so is this correct , got the same answer we dont acccept payment plans

I am building up quite a dossier of information between CF1 and Silvermans

anyway so for now I assume you suggest that I ignore the threat of court

thanks