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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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      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.  

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CFO emptied my bank account at 3am :/


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Yes ladies and gents, it's our good friends at minicredit again!

 

Stupidly, I have 5 PDL's, and have managed to get an agreement for a repayment plan on Txtloan's and 1monthloan's so far. Sent several emails to CF1 and WDA, WDA want my last month's bank statement.. rather not..

 

Anyway, to the point. I borrowed "£100" from them (turned out to be £80.50.. sound familiar), rolled it over twice at a cost of £34 a time plus a ridiculous £5.50 fee until my card was blocked by my bank as these people have been trying to raid my account daily. They whacked £25 on top and the block couldn't be lifted until I could get to a branch on the Monday, which whacked another £55 on top plus 4 attempted payments at £3 a time. All in all, 4 days cost me an extra £92. I offered them a suitable repayment plan which was flat out refused. The balance is now £525 and it's beyond silly.

 

I really can't afford to settle it in 1 swipe, it'd basically cripple me. Just had a bizarre car accident involving a flying brick which destroyed my radiator and air con unit for £540 and when I finally got home I had a bill for £757 from my MOT.. brilliant. What on earth do I do? I've requested all payments made to them (which I believe is £33+£5.50, £33+£5.50 and £35 they helped themselves to, totals £112) but they've not replied to any email I've sent. Phoning them is a waste of time too.

 

Where do I go with this next? :)

 

TIA

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Id be carefull with Capital Finance One - They emptied my bank account while i was trying to set up a repayment plan with them, they told me to go onto there new website www.paycfo.co.uk and set up a payment plan there, i did that and they got my card details and cleared the lot!! if they tell you to go on that website DONT!!!!!

 

As for MiniCredit ive yet to hear anyone who has set up a plan with them, i havent managed to do it, all they keep saying is i can make part payment or full payment via the website.

 

Can i ask did you set up your repayment plan with 1 month loan via email or phone?

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You only are legally liable for the original loan amount and one months interest - NOTHING MORE.

 

They cannot charge failed attempts to raid your bank and each one of these attempts MUST be reported to the following

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the Office of Fair Trading, remind them they have told off Payday loan companies for raiding peoples bank accounts and sanctioned a couple of companies already)

 

If you don't complain you are wasting your time posting here.

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  • 5 months later...

Hi guys,

 

In the same kinda boat myself with CFO. I stupidly ended up with 5 PDL's but have arrangements on 4 of them, CFO are so difficult. First "defaulted" on this in August '11 (took out the £350 loan in June '11, made 2 x £87.50 payments) - emailed them twice asking to set up a repayment plan with no reply. Sent a letter asking the same, no reply. I got a letter in October '11 saying my balance was £792.50 and I had to make a minmum payment of £442.50 until my next payday (dream on..). Sent another email saying it was too steep and I want to repay it, just not that much in one go! Again, no reply. In November '11 I had 2 text messages from "Mr.Marsden" from McCall Repo saying I had to call them or face legal action, of course I didn't ring them as I refuse to deal with them on the phone and I've not heard anything since.

 

3 months of no contact from CFO - no texts, no calls, no emails, no letters. I've tried to sort it but they're ignoring me. I have no idea what my balance is, who the debt is with, what their plan of action is.. what the hell do I do? I want to get my debts sorted and paid off but they don't seem to want the money..

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Dear azzadle

 

I am in the same position as you but I havent heard from them since last June when they took £75 [EDIT] from an account I had only had opened for a week. When I took out the loan with them I banked with Barclays this new account was with Lloyds TSB so still dont know how they managed to get the debit card details. When I emailed them on the address that I had done several times before telling them I would be reporting them to the police [EDIT] the email came back as not recognized I havent heard a thing from them since not even from this MT Collect or anyone else that people have mentioned on this site.

 

 

Hi,

I hope you have reported this to the banks fraud team and contacted the police. You may owe them but this is fraud and theft

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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Dear azzadle

 

I am in the same position as you but I havent heard from them since last June when they took £75 [EDIT] from an account I had only had opened for a week. When I took out the loan with them I banked with Barclays this new account was with Lloyds TSB so still dont know how they managed to get the debit card details. When I emailed them on the address that I had done several times before telling them I would be reporting them to the police [EDIT] the email came back as not recognized I havent heard a thing from them since not even from this MT Collect or anyone else that people have mentioned on this site.

 

 

 

Did you enter your new card nyumber onto any other site on the internet at all ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Freakishly enough I had a call from MT Collect just now. I'm shaking with both fear and anger - offered to make a repayment plan but they demanded £100 or they're "kicking the doors in" tonight and taking £905 worth of stuff, they have "drivers" out and about and will visit me in the next hour apparently. My parents dont know about this mess, I've made an offer and got laughed at. I know they need to make a prior arrangement or I can tell them to get lost and to take goods they have to go through the court but they were so so aggressive. Please help ASAP!

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No one will call at your adress, phone them back and tell them you have phoned the police to report the threat, and thats exactly what I would do, they cant just turn up and 'kick the door in' its just an empty threat

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I'll try the recording on my mobile option. Could be interesting, nobody's going to turn up then?

 

 

Nobody has yet and I have been seeing this type of post for over a month

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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I have a text I had from them today, I read earlier in the thread these could be forwarded to someone on here, is it ok to do this?

http://www.consumeractiongroup.co.uk/forum/showthread.php?336092-Getting-Text-Threats-amp-removal-calls-SITETEAM-NEED-THEM-PLEASE

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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Thanks! Just sent it, whoever it gets to, the number ends in ... - that's mine.

 

noticed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Emailed them last night about their disgusting behaviour and that it's going to be reported to the OFT etc and they came cowering back apologising and offering me to pay it back at £50/month which I kindly told them to stick as even that's too much.

 

Best bit was I emailed [email protected] and their first reply was "good morning, this is being dealt with MT Collect and I will pass it to them.." and the next email came from Mt Collect 2 minutes later. Probably the same guy :-x

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Either the same guy or the one sat in the desk next to him !

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 2 months later...

No contact for nearly 2 months from these shysters, did agree a repayment plan and got an apology for their behaviour, any further news on the credit licence? Havent paid them a penny of the plab due to this ongoing issue. They also want 905 quid for a loan of 358, claiming i havent paid a penny which is a LIE!

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Do you have proof youve paid? If so, how much have you paid in total.

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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What you need to do is find out when the transactions were and get them notarized by your bank. Should ANYONE try taking you to court or try to get you to pay it back and say you havent, you will have proof, corroborated by a senior bank representative. This is enough for any judge not to second guess it.

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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One slight problem, that account has since been closed. Was with the spanish bank but i closed my account once o/d was paid off. Cash genie nicked 160 quid from the account,santander picked their backsided for months and decided it was my fault so tough. Charming eh. Got the statement somewhere.

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  • 1 month later...

So the sun paper confirmed in their city section last week that CFO has lost its accreditation with the BCCA. Can someone more in the know underline what this means and how it will affect us with outstanding monies owed to them? Thanks

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The BCCA is just a group that CFO belong(ed) to. Can you find the link from the sun. I can't seem to spot it

 

What does it do for you. Nothing! They just cannot show BCCAs logo on any of the websites that CFO have going

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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