Hi i stupidly got a pay day loan with capital finance one sometime ago and could not afford to pay it back after a couple of roll-overs so i cancelled my card which stopped them taking the money

Now the number is used to get a code to enter on the contract i have now sold and just received a call from the person telling me a Gemma from capital finance one had called wanting to speak to me and when he asked what it as for she went and told him that it was for a loan etc can they discuss that with him?

Also she then went on to tell him that they are going to report me to the fraud department who will take it to the police as i was a fraudster by selling the sim card to him even though the sim was mine. in my opinion that is a very serious allegation

I am now at my wits end as i am now very frightened of having the police come after me for fraud etc have i commited fraud by selling my sim i am so worried now and have they broken the data protection act by talking to him about it any help and advice is greatly appreciated

many thanks

Most definately broken the data protection act by discussing with a third party.

I personally would have thought that if the SIM was yours then it was yours to sell to who you want but I don't know very much about it.

Im sure someone who does will be along soon.

DG

Hi mightyroyals

They must be having a laugh. You can do what you want with your own property. They are just pssed of cause they wanted to contact you by mobile.

They have your adress and prob e-mail so they will have to threaten in writing.

They are good for agreeing repayment plans though.

Thanks for the replies so far

Should i report them for the breach of data protection.

@Robjam i know she was getting peed coz he said when he phoned me the woman from capital finance one was getting quite stroppy with him after he said he bought the sim off me she told him to hang on then paused and came back with im going to pass this on to the fraud department and the police will be in contact with you and then she hung up when he told her he was not interested in speaking to the police as he said what you said i can sell my sim if i like as it is there property not capital finance one's and refused to give his name.

I am wondering if she did not believe him and thought he was with me or something so they tried the threats if only he had recorded it

I have emailed them offering to pay in instalments and with a complaint which i will also mail to them recorded mail on Monday

Has anyone else got any advice on this please thanks in advance again guys

By all means report them.

When it comes to paying them do it by standing order. I have their bank details if you need them. That way you are in control. They will eventually agree to a figure you can afford.

Anyone else got any advice on this

Thanks

Anyone know much about CFO RESOLVE i keep getting emails from them saying

Introducing CFO Resolve!

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

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 and reduce it to the original that you initially borrowed!

2) Offer you more money.

We have an available £ 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!

SimplyCLICK 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

Anyone had one of these laughable attempts to get there bank details

Get that to the OFT immediately. It is in serious violation of OFT guidance.

What do i want to say to oft and where do i send it too

They will clean you or anyone out of everything, all they are looking for are your new bank/debit card details. Shocking behaviour, low of the low this lot.

They will clean you or anyone out of everything, all they are looking for are your new bank/debit card details. Shocking behaviour, low of the low this lot.

Yeah i guessed that there would be no way i would put any details into it, I just thought i would post it on here in case others get it and think it is a good idea to type there details in

Hello 5 guests and that have been sat on the thread for the whole day

Just got the one from them:

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

Dear ***** *********

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 £835.50 and reduce it to the original £315.00 that you initially borrowed!

2) Offer you more money.

We have an available £90.00 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

mmm they must be on the [problem] to get card details, Lasek22uk one of the more knowledgeable members renegadeimp said we need to report these emails to the oft but im waiting to see what they say on it and where to send it too would you report yours too when they get back to us on here, Im guessing the more of us that send in a complaint about it the better.

I like how they say theyll remove all fines. Umm... what fines?

Like i said before, get it to the OFT and write a covering letter.

What should we put in the covering letter as i am not much use at typing up that sort of thing and where do i email it too?

I have also received this and text message. This company are the lowest of the low. Please help with covering letter and will also send to OFT. They have taken from me what i borrowed and more and still persist to chase me for more money. They make peoples lifes hell!!!!!

Also interesting that they do not make any ref to payments they have already received by just claiming against a card. I am shocked by this tactic. How this company are allowed to keep trading is beyond me!!

Deleted

Ohh look no reply

Deleted

mightyroyals have you sent yours. I am going to write a letter and send it today. Really think this should be looked at by OFT. This lot needs the CCL taken away.

Not yet as i am no good at writing letters and don't really know what to put in it to be honest

Afternoon Mightyroyals, i take it from your comments regarding me reading the thread yesterday and taking a interest with regards to CFO, that you have a problem with that???

Now with regarding you questions, I wouldn't know how life is at Snakes Lane thanks as one lives in Birmingham and believe it or not i'm **** who works at CFO thanks, so without knowing the facts please leave your vile assessment of me to yourself.

I've had plenty of run in's with CFO and MT Collect myself - i dare say plenty more than yourself, i don't post on here due to being well known to CFO and due to legal action being taken by myself towards CFO, please feel free to PM me if you would like to know more, but due to the nature of the case and CFO being complete low lives - i'm not able to until the legal action is complete, once that is complete - i'll post my story here.

I hope this has now cleared up your thoughts

PS Good luck against CFO - Unlike me CFO are ****, don't give up - if we all fight together - we'll beat them

Sorry for the comments birmingham_male i have pm you, Just out of curiosity have you ever had any of these emails?