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

on the 14th day when I sent my reqyest they supplied me with PDF 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 credit 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....

probably done online so wont be

unless YOU know you did sign one?

scan it up to ONE PDF please

read upload

Thanks here it is :

- Consumer Credit Agreement CFO.pdf

Hello folks, any advice? Thank you!

is this not being written off by IRL claim?

dx

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 Response; if you remain unhappy with our reply we are enclosing a leaflet about the Financial Ombudsman 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

then you need to write to CFO and start an IL complaint with them.

MMF are simply a debt buyer/DCA

the IL complaint should not have gone to them

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...

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

that's pretty irish to me..

sell it to a DCA and let them decide how much you should pay...