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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
  • 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
      • 161 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

thinking of a court claim against CFO to recover monies taken **RESOLVED**


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I took a payday loan from Capital Finance One Ltd in July 2011.

The loan was £200 and the total repayment was agreed at £278.

I did not wish to pay £15 for same day 'faster payment'

so the loan finally credited my account 2 days after being issued.

 

The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011

when my salary was paid.

 

On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011.

 

I explained that I had paid interest for a full month and repayment on 4th August 2011 would,

therefore, still be within the agreed 'one month' time limit.

 

CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me

that I had 'defaulted' on the agreement.

 

I immediately replied with a full explanation that I had not defaulted.

CFO emailed the same message on 3rd August 2011 and on 4th August 2011,

when I fully expected CFO to debit £278 and close the agreement,

CFO took £128 which they said was 'charges for 3 defaults'.

 

Emails were traded back and forth.

I disputed these charges and even pointed out that the notices they sent me to notify

of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations.

 

I ordered CFO not to take any further monies until we had resolved the dispute.

I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account.

ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval.

 

CFO then debited 3 x £25's from my bank without my approval or authorisation.

 

I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully.

I told them that the agreement was in my opinion 'settled and closed'.

 

CFO wrote to me once more to state that I still owed them £200

(how they calculated this figure, I don't know...)

and that they would report to credit agencies that I was 'in default'.

 

In April 2014, I made a payday loan application for £200 from CFO Lending Limited.

I didn't know that Capital Finance One Ltd had changed their name in 2012,

but I'd be lying if I said that I didn't have a pretty good idea that they were one

and the same company!

 

However, I was skint and had repaid £203 for the £200 loan in 2011.

My application was rejected immediately.

I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details.

 

I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application.

 

I had to give my debit card details so that, if successful,

the loan could be collected from a named account.

 

When rejected, these details should have instantly been erased by CFO Lending.

However, CFO Lending waited until 11th June 2014 and made 5 separate debits

from my bank for a total of £495.65.

 

It took me a day to put the pieces together with the help of my bank 'visa dispute' team.

I could not believe that CFO Lending had used information (which had only been

submitted as part of a failed loan application and should have been deleted)

to take £495.65 from my bank account without any authorisation, approval or even notification.

 

I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly.

 

I had to wait nearly a week before I received a formal response.

CFO stated that all of the debited money was to repay the outstanding loan from July 2011.

CFO Lending had already taken £203 from my account in 2011.

The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely).

CFO had taken a further £495.65 on 11th June 2014.

 

Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay!

 

CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application

to them in April 2014 could be used by them to recover any monies relating to the agreement

we had in July 2011.

 

They claimed that the Continuous Payment Authority set out in the 2011 contract justified this.

 

I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards.

My response included a copy of the vital email which I sent to CFO on 24th August 2011

in which I ordered them to 'stop taking any further money from my account

until the dispute is resolved satisfactorily.

 

Any authority which Capital Finance One may have had is cancelled with immediate effect.

 

You (CFO) have taken much more money than we agreed.

 

Do not debit any more money from my bank'.

 

I also set out why their defaults were invalid and why these huge charges could not be applied

as they were never discussed or explained at the outset.

 

I have a very strong and complete argument as to why CFO's actions are unlawful

and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account.

 

CFO has failed to respond to this letter or any of the 6 I have sent them since.

 

I sent a 'Final Demand' and they have not met the requirements within.

 

Nationwide Building Society is investigating these transactions as 'fraudulent'.

 

I have been able to make a formal complaint to 'Action Fraud'.

 

Nationwide has advised me that THEY will report to the Police as this is their responsibility.

 

I must now make a claim for the money using the CCMCC (county court money claims centre).

 

I am determined to make the most of this opportunity to show the public just how payday lenders work.

 

My case is very strong and legally sound.

However, I am afraid that I will slip up in its execution by making an administrative or process error.

Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point.

 

I have been 100% honest and open in my account of this matter.

I have had to use a payday loan company because my credit history is not great.

I did know that they have a reputation for difficulties.

 

I repaid £203 for the £200 loan in 2011.

 

I know that I should have patiently resolved the dispute then and paid off the remaining £75.

 

CFO Lending still doesn't have the right to treat any customer like this.

This 'CPA' justification is wrong and is completely unfair and dangerous.

 

I want to make payday lenders change their working practices with this claim.

 

I am not pretending to be Florence Nightingale.

 

I have credit problems but I should not have to repay £700 for a loan of £200

- this is wrong.

 

So, if anyone out there could please offer practical or legal advice

which will help me make my claim more effective, then please get in touch.

 

If you need any further information, let me know.

Link to post
Share on other sites

I took a payday loan from Capital Finance One Ltd in July 2011.

The loan was £200 and the total repayment was agreed at £278.

 

I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued.

The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid.

 

On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011.

I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit.

 

CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement.

 

I immediately replied with a full explanation that I had not defaulted.

 

CFO emailed the same message on 3rd August 2011 and on 4th August 2011,

when I fully expected CFO to debit £278 and close the agreement,

CFO took £128 which they said was 'charges for 3 defaults'.

 

Emails were traded back and forth.

 

I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults'

were completely invalid and did not comply with the Consumer Credit Act stipulations.

 

I ordered CFO not to take any further monies until we had resolved the dispute.

I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account.

ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval.

CFO then debited 3 x £25's from my bank without my approval or authorisation.

 

I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully.

I told them that the agreement was in my opinion 'settled and closed'.

 

CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...)

and that they would report to credit agencies that I was 'in default'.

 

In April 2014, I made a payday loan application for £200 from CFO Lending Limited.

I didn't know that Capital Finance One Ltd had changed their name in 2012,

but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company!

However, I was skint and had repaid £203 for the £200 loan in 2011.

My application was rejected immediately.

 

I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details.

I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application.

I had to give my debit card details so that, if successful, the loan could be collected from a named account.

When rejected, these details should have instantly been erased by CFO Lending.

 

However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65.

It took me a day to put the pieces together with the help of my bank 'visa dispute' team.

I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application

and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification.

 

I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly.

I had to wait nearly a week before I received a formal response.

 

CFO stated that all of the debited money was to repay the outstanding loan from July 2011.

CFO Lending had already taken £203 from my account in 2011.

The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely).

CFO had taken a further £495.65 on 11th June 2014.

Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay!

 

CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014

could be used by them to recover any monies relating to the agreement we had in July 2011.

They claimed that the Continuous Payment Authority set out in the 2011 contract justified this.

 

I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards.

My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them

to 'stop taking any further money from my account until the dispute is resolved satisfactorily.

 

Any authority which Capital Finance One may have had is cancelled with immediate effect.

You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'.

 

I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset.

I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken

AFTER I cancelled the CPA and ordered that they make no more transactions on my account.

 

CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within.

 

Nationwide Building Society is investigating these transactions as 'fraudulent'.

I have been able to make a formal complaint to 'Action Fraud'.

Nationwide has advised me that THEY will report to the Police as this is their responsibility.

 

I must now make a claim for the money using the CCMCC (county court money claims centre).

I am determined to make the most of this opportunity to show the public just how payday lenders work.

My case is very strong and legally sound.

 

However, I am afraid that I will slip up in its execution by making an administrative or process error.

Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point.

 

I have been 100% honest and open in my account of this matter.

I have had to use a payday loan company because my credit history is not great.

I did know that they have a reputation for difficulties.

I repaid £203 for the £200 loan in 2011.

 

I know that I should have patiently resolved the dispute then and paid off the remaining £75.

CFO Lending still doesn't have the right to treat any customer like this.

 

This 'CPA' justification is wrong and is completely unfair and dangerous.

 

I want to make payday lenders change their working practices with this claim.

I am not pretending to be Florence Nightingale.

I have credit problems but I should not have to repay £700 for a loan of £200

- this is wrong.

 

if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch.

 

If you need any further information, let me know.

Link to post
Share on other sites

I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit. CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement. I immediately replied with a full explanation that I had not defaulted. CFO emailed the same message on 3rd August 2011 and on 4th August 2011, when I fully expected CFO to debit £278 and close the agreement, CFO took £128 which they said was 'charges for 3 defaults'. Emails were traded back and forth. I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations. I ordered CFO not to take any further monies until we had resolved the dispute. I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account. ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval. CFO then debited 3 x £25's from my bank without my approval or authorisation. I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully. I told them that the agreement was in my opinion 'settled and closed'. CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...) and that they would report to credit agencies that I was 'in default'.

 

In April 2014, I made a payday loan application for £200 from CFO Lending Limited. I didn't know that Capital Finance One Ltd had changed their name in 2012, but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company! However, I was skint and had repaid £203 for the £200 loan in 2011. My application was rejected immediately. I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details. I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application. I had to give my debit card details so that, if successful, the loan could be collected from a named account. When rejected, these details should have instantly been erased by CFO Lending. However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65. It took me a day to put the pieces together with the help of my bank 'visa dispute' team. I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification. I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly. I had to wait nearly a week before I received a formal response. CFO stated that all of the debited money was to repay the outstanding loan from July 2011. CFO Lending had already taken £203 from my account in 2011. The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely). CFO had taken a further £495.65 on 11th June 2014. Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay!

 

CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014 could be used by them to recover any monies relating to the agreement we had in July 2011. They claimed that the Continuous Payment Authority set out in the 2011 contract justified this.

 

I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards. My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them to 'stop taking any further money from my account until the dispute is resolved satisfactorily. Any authority which Capital Finance One may have had is cancelled with immediate effect. You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'.

 

I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset. I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account.

 

CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within.

 

Nationwide Building Society is investigating these transactions as 'fraudulent'. I have been able to make a formal complaint to 'Action Fraud'. Nationwide has advised me that THEY will report to the Police as this is their responsibility.

 

I must now make a claim for the money using the CCMCC (county court money claims centre). I am determined to make the most of this opportunity to show the public just how payday lenders work. My case is very strong and legally sound. However, I am afraid that I will slip up in its execution by making an administrative or process error. Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point.

 

I have been 100% honest and open in my account of this matter. I have had to use a payday loan company because my credit history is not great. I did know that they have a reputation for difficulties. I repaid £203 for the £200 loan in 2011. I know that I should have patiently resolved the dispute then and paid off the remaining £75. CFO Lending still doesn't have the right to treat any customer like this. This 'CPA' justification is wrong and is completely unfair and dangerous. I want to make payday lenders change their working practices with this claim. I am not pretending to be Florence Nightingale. I have credit problems but I should not have to repay £700 for a loan of £200 - this is wrong.

 

So, if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch.

 

If you need any further information, let me know.

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I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit. CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement. I immediately replied with a full explanation that I had not defaulted. CFO emailed the same message on 3rd August 2011 and on 4th August 2011, when I fully expected CFO to debit £278 and close the agreement, CFO took £128 which they said was 'charges for 3 defaults'. Emails were traded back and forth. I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations. I ordered CFO not to take any further monies until we had resolved the dispute. I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account. ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval. CFO then debited 3 x £25's from my bank without my approval or authorisation. I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully. I told them that the agreement was in my opinion 'settled and closed'. CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...) and that they would report to credit agencies that I was 'in default'.

 

In April 2014, I made a payday loan application for £200 from CFO Lending Limited. I didn't know that Capital Finance One Ltd had changed their name in 2012, but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company! However, I was skint and had repaid £203 for the £200 loan in 2011. My application was rejected immediately. I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details. I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application. I had to give my debit card details so that, if successful, the loan could be collected from a named account. When rejected, these details should have instantly been erased by CFO Lending. However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65. It took me a day to put the pieces together with the help of my bank 'visa dispute' team. I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification. I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly. I had to wait nearly a week before I received a formal response. CFO stated that all of the debited money was to repay the outstanding loan from July 2011. CFO Lending had already taken £203 from my account in 2011. The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely). CFO had taken a further £495.65 on 11th June 2014. Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay!

 

CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014 could be used by them to recover any monies relating to the agreement we had in July 2011. They claimed that the Continuous Payment Authority set out in the 2011 contract justified this.

 

I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards. My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them to 'stop taking any further money from my account until the dispute is resolved satisfactorily. Any authority which Capital Finance One may have had is cancelled with immediate effect. You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'.

 

I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset. I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account.

 

CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within.

 

Nationwide Building Society is investigating these transactions as 'fraudulent'. I have been able to make a formal complaint to 'Action Fraud'. Nationwide has advised me that THEY will report to the Police as this is their responsibility.

 

I must now make a claim for the money using the CCMCC (county court money claims centre). I am determined to make the most of this opportunity to show the public just how payday lenders work. My case is very strong and legally sound. However, I am afraid that I will slip up in its execution by making an administrative or process error. Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point.

 

I have been 100% honest and open in my account of this matter. I have had to use a payday loan company because my credit history is not great. I did know that they have a reputation for difficulties. I repaid £203 for the £200 loan in 2011. I know that I should have patiently resolved the dispute then and paid off the remaining £75. CFO Lending still doesn't have the right to treat any customer like this. This 'CPA' justification is wrong and is completely unfair and dangerous. I want to make payday lenders change their working practices with this claim. I am not pretending to be Florence Nightingale. I have credit problems but I should not have to repay £700 for a loan of £200 - this is wrong.

 

So, if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch.

 

If you need any further information, let me know.

 

 

 

You may have " shot yourself in the foot " on two counts:

1. Did you instruct your bank formally that the 1st CPA was no longer to operate (i.e. in writing) .

2. Attempting to get the 2nd loan in an not entirely honest fashion.

 

 

However your 1st line of complaint is to your bank for allowing the debits as you have done, there is little more to suggest.

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moved to the CFO forum

 

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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1. Yes, I spoke to Lloyds Bank after the first debits had been made on my account. I asked to cancel my debit card and for a replacement to be posted. The Customer Services person was not enthusiastic when I explained why I wanted the card to be cancelled. She suggested that I write to Capital Finance One Limited to cancel the CPA agreement but warned me that I still had to agree with them what was still outstanding and how this would be repaid.

My email to Capital Finance One clearly cancels the right for them to debit my account. It also sets out why I dispute the charges made against me. I accept that the loan had, at this time, only been part paid (£203 paid with £75 outstanding).

2. Although I accept that I was aware that I still had an unsettled loan with Capital Finance One Ltd when I applied for the 2nd loan, I did not include false information or misrepresent myself. If I am missing an obvious point here, please let me know.

I disagree that my bank have any blame here. the original loan was taken in 2011. My bank, at that time, was Lloyds. I cancelled the CPA agreement with Lloyds Bank. The unlawful debits were made from my Nationwide account. CFO only had these details after I had submitted them as part of my 'rejected' loan application in 2014. I cancelled the CPA authority with CFO Lending and Lloyds Bank on 24th August 2011. CFO Lending took £495.65 from my Nationwide account in June 2014. Nationwide had no idea who CFO Lending were and approved the debits as the details were accurate and the funds were available. I am actually very grateful for the stance they HAVE taken on my behalf. I have been able to show Nationwide every email and every document relating to the loan and dispute. If I had not kept everything then Nationwide couldn't justify the investigation.

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one point

CPA cancellation goes to the banks not the creditor.

 

however that does not absolve CFO from taking money from the nationwide account

with SPECIFIC permission.

 

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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Share on other sites

Typical behaviour of a bottom feeding payday loan company. Their charges and fees remain completely unenforceable under law, all you are contractually obliged to pay is the original loan amount plus one months interest, nothing more.

 

By debiting these funds from a failed payday loan application, I would consider these transactions to be unauthorised and therefore the bank should conduct an immediate charge back of all monies.

 

Issuing a claim is easily done through Money Claim Online, however you need to ascertain all the evidence and the facts of your case before doing so.

 

You will need to issue CFO lending with a letter before action, giving them 14 days to remedy the situation and refund the monies, outline your dispute and put forward the facts and why you'll be issuing a court claim.

 

After 14 days, go ahead and issue proceedings against them.

 

Also ensure you make a complaint to the Financial Conduct Authority (used to be the office of fair trading).

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I received a phone call from CFO Lending this morning. The lady explained that my complaint had been 'escalated' and that she wanted to apologise on behalf of the company for the problems they had caused. Furthermore, she advised me that CFO wanted to settle my claim and offered a 'full & final settlement' amount of £420.65 to close the matter. This figure had been calculated by taking the total monies taken from me (£698.65) and then deducting the original loan + agreed interest/charges (£278.00).

 

I have just signed their agreement and am now waiting for the payment to credit my account.

 

No chicken counting yet. I HOPE to get back to you soon...

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I received a phone call from CFO Lending this morning. The lady explained that my complaint had been 'escalated' and that she wanted to apologise on behalf of the company for the problems they had caused. Furthermore, she advised me that CFO wanted to settle my claim and offered a 'full & final settlement' amount of £420.65 to close the matter. This figure had been calculated by taking the total monies taken from me (£698.65) and then deducting the original loan + agreed interest/charges (£278.00).

 

I have just signed their agreement and am now waiting for the payment to credit my account.

 

No chicken counting yet. I HOPE to get back to you soon...

 

 

 

All that matters is that you are happy with the deal.

 

 

Well Done!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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let us know when it lands please

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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The refund credited my account this morning. Thanks for your help and support.

 

Why did my 7th letter of complaint work more effectively than the previous 6?

Probably because I emailed this letter directly to James Keeble @ CFO Lending

and 'cc'd' the email to 'Faye Smith. Both are currently serving as 'Directors' of the company.

 

CFO acted very unprofessionally throughout

but I must also accept my fair share of the blame.

I knowingly chose NOT to repay the remaining £75 of the original loan in 2011.

 

If I had 'settled' the account correctly and honestly then none of this would have happened.

 

I must act more responsibly in the future.

 

If I take a loan then I should only do so on the absolute understanding

that I will repay the loan on time and without complaint

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