Jump to content


  • Tweets

  • Posts

    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
  • Our picks

    • 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
        • Like

CFO emptied my bank account at 3am :/


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3681 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

  • Replies 72
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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?

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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..

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...