Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #41
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Thanks folks

    Still no news on CFO Loan - CCA sent back in August (21st) , still no reply. Outstanding £405. This is now week 7th.


  2. #42
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Hello all, 2 weeks later and still no news (11 weeks now in total since request was made for CCA).
    What should I do in this case now. Still no CCA on CFO Loan.

    Thank you!


  3. #43
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    well till they do they get nothing.
    is it defaulted?


  4. #44
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Hi dx100uk

    Yes it is defaulted


  5. #45
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Hello Folks, 1 week later and 5 days later... still nothing.. so its now 12 weeks +


  6. #46
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    I complained yesterday to MMF and here is their response:

    Thank you for your email xxxx

    I have reviewed the matter and can see that you have previously asked for a copy of the consumer crediticon Agreement.

    I can see that we have previously acknowledged receipt of your request but cannot see that the information has been provided.

    Your letter that was received on 29 August 2017 and was not deal with through our complaints procedure.

    This was because this was a request for information and we identified no dissatisfaction within your letter.

    I will chase up your request today to find out why this has not been provided and will get back to you as soon as possible.

    Kind Regards


  7. #47
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    And still no reply from MMF


  8. #48
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    You are better not chasing them. The last thing you want is for them to find it


  9. #49
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Good


  10. #50
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    So there is no time period limit?

    Quote Originally Posted by lookinforinfo View Post
    You are better not chasing them. The last thing you want is for them to find it



  11. #51
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    12 + 2 days for service. You dont want them to supply a CCA - Means it cant be enforced think about it...


  12. #52
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    on the 14th day when I sent my reqyest they supplied me with PDFicon of Credit Agreement from CFO Loan.
    Final page reads:

    Signature by you:
    Please complete the form below to digitally sign and accept your loan agreement. By entering your surname and the code that was
    sent to You by email and SMS You are entering into a legally binding agreement.
    This is a Credit Agreement regulated by the consumer crediticon Act 1974. Sign it only if you want to be bound by its terms.
    Signature of the Debtor
    Surname:................. .....................
    Code:.................... .......................
    Acceptance by us:
    Signed for and on behalf of CFO Lending
    ......................... ................duly authorised
    Date..................... ............which is the date of this Agreement



    No signature on it....


  13. #53
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    probably done online so wont be
    unless YOU know you did sign one?

    scan it up to ONE PDFicon please
    read uploadicon


  14. #54
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Thanks here it is :

    Attached Files

  15. #55
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    Hello folks, any advice? Thank you!


  16. #56
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    is this not being written off by IRL claim?

    dx


  17. #57
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    no, it ended up in MMF and FOB complaint dept and they reply was:

    From MMF:

    We understand your concern to be that you feel CFO Lending did not carry out sufficient checks and were irresponsible in approving your loans.

    Prior to any loan being issued, CFO Lending required potential customers to provide the following data at point of application; employment status & job title, income, household & financial expenditure and tenure. This information was inputted via an online form. Based on this information, we are comfortable that affordability was sought by CFO Lending.

    Upon purchase of these accounts, MMF took the decision to remove all interest and charges and reduce the balance to principal amount only. This means that we are only asking you to repay the original amount which you borrowed.

    Conclusion

    Having reviewed your complaint and based on the information detailed above we can advise that your complaint has been rejected.

    We would like to think the action taken and the decision made will be to your satisfaction. However, this is our final responseicon; if you remain unhappy with our reply we are enclosing a leaflet about the Financial Ombudsmanicon Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months from the date of this letter.


    If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.


    If you would like a copy of this response by post including the leaflet please let me know by return email.


    Customer Relations Officer
    Motormile Finance UK Ltd (MMF)



    Here was reply from FOB

    The FCA did indeed instruct Cfo Lending to refund some of their customers for unfair practices and the redress offered included some of their customers’ outstanding balances being written off.

    Cfo Lending needed to contact all the affected customers by March 2017, unfortunately if you haven’t been contacted by them by now it would suggest that you aren’t one of the customers affected by these unfair practices. However, I can see on the link you provided that it states that if you believe you were affected by any of the issues in the link and may be entitled to redress, you should contact them on 0203 583 6303.

    We can contact the administrator on your behalf and ask them to look into your complaint. But unfortunately we won’t be able to help further.

    I hope this information helps, but if you have any further questions please let us know.


    Yours sincerely


    *Financial Ombudsman Service, Exchange Tower, London, E14 9SR


  18. #58
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    then you need to write to CFO and start an IL complaint with them.
    MMF are simply a debt buyer/DCAicon
    the IL complaint should not have gone to them


  19. #59
    Basic Account Holder lasek22uk Novitiate



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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    yes, but when I wrote to CFO I was told Harrisons (Harrisons - Business Recovery and Insolvency) are now in charge as CFO lending is now closed. Harrisons said to me speak with MMF...


  20. #60
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    Default Re: MMF adding £328 to the alleged Mr Lender debt

    urm..I wonder how other have gotten on with CFO loans...

    that's pretty irish to me..
    sell it to a DCAicon and let them decide how much you should pay...



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