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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Capital finance one help


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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

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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

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I have no legal training my knowledge comes from my personal life experiences

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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.

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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

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  • 3 years later...

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

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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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

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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

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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.

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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.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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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!!!!!

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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!!

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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

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