I have a question to do with capital one. I only stated two numbers on my application form my mobile number and a sipgate number which i used for all bank i am a customer of. However, yesterday i got a call from capital one at my parents house. I did not give this number out or gave them any permission to try and find me through this number. I would like to complain, but do i have any grounds to complain?

I would like to ask a question about CCA. I need to find out if a credit check was carried out for a career development loan i took out in 2004. I know sometimes they were not carried out. Is there anyway of findin this out. I need real proof of this. was/wasnot carried out.

terms and conditons sign over the internet Credit Agreement Regulated by the Consumer Credit Act 1974 Version: ECA1.2 New Agreement No.: 1) CREDITOR NAME: Express Finance (Bromley) Ltd t/a Payday Express CREDITOR ADDRESS: Kent House, 41 East Street, Bromley, Kent BR1 1QQ 2) CUSTOMER NAME: ADDRESS: 3) KEY FINANCIAL INFORMATION Amount of Credit: £400 Duration of Loan Agreement: 25 days Number of Repayments: 1 Repayment Date: 29/02/2008 Total Amount Repayable: £500.00 APR: 2,505.29% 4) OTHER FINANCIAL INFORMATION Total Charge for Credit: £100 charged at a rate of 25.00% on the amount of credit. Interest is charged at a rate of 365.00% per annum applied on the date of this agreement. 5) KEY INFORMATION Should you fall into default we reserve the right to charge you: - interest on any arrears for such period as the payments are in arrears at the rate set out above - for letters or notices sent to you about your default at £15.00 each - any reasonable costs we may incur in taking any other steps to enforce, or attempt to enforce, our rights under this agreement. This may include tracing you if you move address without notification; returned payments, debt collection or court action MISSING PAYMENTS - Missing payments could have severe consequences and make obtaining credit more difficult. This is a credit agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. Signature of Customer: Date of signature: Signature for (or on behalf of) the Creditor: L. Mincher Date: By signing this Agreement, you agree to its terms which are set out above and to the terms and conditions of the agreement. YOUR RIGHT TO CANCEL: Once you have signed this agreement, you will have a short time in which you can cancel it. The creditor will send exact details of how and when you can do this. IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTSThe Consumer Credit Act 1974 lays down certain requirements for your protection which should have been compiled when this agreement was made. If they were not, the creditor cannot enforce this agreement against you without getting a court order. The Act also gives you a number of rights. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau. IMPORTANT – YOUR PERSONAL INFORMATIONWe use credit reference and fraud agencies. How we use your data is detailed in the Terms & Conditions of the Agreement below. PERSONAL DETAILS Date of Birth: Mobile No.: Home Tel. No.: Email Address: Property Type: Amount Requested: Marital Status: No. of Children Time at Address: Previous Address: Previous Post Code: Where did you hear about us? Website & Source: www.payday-express.co.uk & monsup01 MONTHLY EXPENDITURES Balance(s) on other outstanding Payday Loans (if applicable) Monthly Rent or Mortgage: Monthly Car Repayment: EMPLOYMENT DETAILS Employment Status: Job Title: Company: Work Address: Work Post Code: Time at Company: Work Tel. No.: Fax No.: Net Monthly Pay: Payment Frequency/Date: Last Working Day Of Month Next Pay Date: BANK DETAILS Cheque Book: Debit Card: Overdraft Limit: Bank Name: Account Name: Account No: Sort Code: Debit Card No: Valid From Date: Expiry Date: Issue No.: 6) TERMS & CONDITIONS OF THE AGREEMENT By entering this agreement: 7) You agree a. to these Terms and Conditions b. that signature to this agreement acknowledges receipt of a true copy of the agreement c. that you have read and understood the Pre-Contract information before signing this agreement d. that the details you have given are true and complete; e. to pay the Creditor the Total Amount Repayable, or the appropriate extension fee, on the Repayment Date, and you grant us permission to debit that sum from the Bank Account using: the Debit Card Details provided, direct debit or cheque, or by any other payment details you provide us, by whatever means, following the date of this agreement. Payments will show as being debited from your account by Express Finance. You may a. Select a different payment date to that set out in the Financial Information. This may incur a charge at the same rate as set out in the Financial Information. 9) You confirm a. that your wages will be paid on the Repayment Date as outlined in the Key Financial Information, into the Bank Account identified in your application, as per Bank Details provided. b. that sufficient funds will be available in your bank account to repay us the Total Amount Repayable 10) You must tell us immediately if: a. You change your address b. You change your name c. You change employment and/or pay frequency d. You change Bank Account and/or Debit Card 11) You have a right to cancel this Agreement for a period of 14 days, beginning with the day after this Agreement is signed by us. You can do this by giving us written notice to Express Finance (Bromley) Ltd, Kent House, 41 East Street, Bromley, Kent BR1 1QQ or fax on 0800 652 4662. a. If you cancel the agreement you still have to repay any money lent to you and any administration fee (if applicable). If you do not exercise this right to cancel, you will not be able to cancel at a later date. b. If you cancel this Agreement, within 30 days we will return any sums paid by you and you must refund any sums paid by us in relation to this agreement. 12) Any notice or demand we give will be assumed to have been properly given if served on you personally, or left or posted to you at your last known address. If sent by first class post it will be assumed to have been received by you 48 hours after posting. 13) We may transfer, change or assign all or any of our rights under this Agreement to a third party. 14) Complaints we cannot settle through our internal complaints procedure may be referred to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR 15) Your Personal Information a. Your data may be used i. for other purposes for which you give your specific permission ii. in very limited circumstances, when required by law or where permitted by the Data Protection Act 1998 iii. to manage your account iv. to make collections v. for statistical purposes, surveys, and research (we may contact you by mail, email, telephone or via the internet) b. We may make a credit reference agency search in considering whether to enter into this agreement. They will add details of our search and your application to their records and this will be seen by other organisations that make searches c. We may also disclose to credit reference agencies the details of your agreement, and payments you make to us and any default or failure to keep to its terms d. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. e. If you default or are suspected of fraud these records will be shared with other organisations. This information may be used about you and others with whom you are financially linked for credit assessment, debt tracing, and fraud and money laundering prevention f. You have the right to receive a copy of the information we hold about you by applying to us in writing. A fee will be payable. g. Your data will remain on file for 6 years after they are closed, whether settled by you or in default. h. For full written details of how your data may be used by credit reference agencies please contact the agencies below (they will charge you a small statutory fee). - Call Credit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or visit Credit report information for consumers - Callcredit - Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or visit Equifax - Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or visit Credit Reports: Get your Credit Report from Experian UK ( is this clear of how much is repayable over 25 days?)

I took out a loan of 400 pounds from payday express, the interest is 20 per 100 so in total 80. I have extended this by 2 month this costs 80 per month. on top of the 400. I would just like to know if this is classed as a fair late fee. I offered a payment plan of 100 per month so in total repayment would be for a 4 month. ( total 500 as stated in the credit agreement) what they said - they can't don’t that. I would have to pay 180 per month ( so that 100 off the 400, but add 80 for monthly interest)so in total for a 400 loan (over say 6 months): 80 = extention interest 100 = pay of the loan £80 ( Feb.) paid £80 (mar) paid 180 (April (paid) = total paid so fair is £340 180 (may) 180 (June 180 (july) total = £880.00 for a £400 loan over 6months What do the FSA and the OFT have to say about short term loans? if there are any links i can look at. ( in 2/3 weeks time i plan to send a letter and cheque for £160 for full and final settlement) so the total will be 500.

terms and conditons sign over the internet Credit Agreement Regulated by the Consumer Credit Act 1974 Version: ECA1.2 New Agreement No.: 1) CREDITOR NAME: Express Finance (Bromley) Ltd t/a Payday Express CREDITOR ADDRESS: Kent House, 41 East Street, Bromley, Kent BR1 1QQ 2) CUSTOMER NAME: ADDRESS: 3) KEY FINANCIAL INFORMATION Amount of Credit: £400 Duration of Loan Agreement: 25 days Number of Repayments: 1 Repayment Date: 29/02/2008 Total Amount Repayable: £500.00 APR: 2,505.29% 4) OTHER FINANCIAL INFORMATION Total Charge for Credit: £100 charged at a rate of 25.00% on the amount of credit. Interest is charged at a rate of 365.00% per annum applied on the date of this agreement. 5) KEY INFORMATION Should you fall into default we reserve the right to charge you: - interest on any arrears for such period as the payments are in arrears at the rate set out above - for letters or notices sent to you about your default at £15.00 each - any reasonable costs we may incur in taking any other steps to enforce, or attempt to enforce, our rights under this agreement. This may include tracing you if you move address without notification; returned payments, debt collection or court action MISSING PAYMENTS - Missing payments could have severe consequences and make obtaining credit more difficult. This is a credit agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. Signature of Customer: Date of signature: Signature for (or on behalf of) the Creditor: L. Mincher Date: By signing this Agreement, you agree to its terms which are set out above and to the terms and conditions of the agreement. YOUR RIGHT TO CANCEL: Once you have signed this agreement, you will have a short time in which you can cancel it. The creditor will send exact details of how and when you can do this. IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been compiled when this agreement was made. If they were not, the creditor cannot enforce this agreement against you without getting a court order. The Act also gives you a number of rights. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau. IMPORTANT – YOUR PERSONAL INFORMATION We use credit reference and fraud agencies. How we use your data is detailed in the Terms & Conditions of the Agreement below. PERSONAL DETAILS Date of Birth: Mobile No.: Home Tel. No.: Email Address: Property Type: Amount Requested: Marital Status: No. of Children Time at Address: Previous Address: Previous Post Code: Where did you hear about us? Website & Source: www.payday-express.co.uk & monsup01 MONTHLY EXPENDITURES Balance(s) on other outstanding Payday Loans (if applicable) Monthly Rent or Mortgage: Monthly Car Repayment: EMPLOYMENT DETAILS Employment Status: Job Title: Company: Work Address: Work Post Code: Time at Company: Work Tel. No.: Fax No.: Net Monthly Pay: Payment Frequency/Date: Last Working Day Of Month Next Pay Date: BANK DETAILS Cheque Book: Debit Card: Overdraft Limit: Bank Name: Account Name: Account No: Sort Code: Debit Card No: Valid From Date: Expiry Date: Issue No.: 6) TERMS & CONDITIONS OF THE AGREEMENT By entering this agreement: 7) You agree a. to these Terms and Conditions b. that signature to this agreement acknowledges receipt of a true copy of the agreement c. that you have read and understood the Pre-Contract information before signing this agreement d. that the details you have given are true and complete; e. to pay the Creditor the Total Amount Repayable, or the appropriate extension fee, on the Repayment Date, and you grant us permission to debit that sum from the Bank Account using: the Debit Card Details provided, direct debit or cheque, or by any other payment details you provide us, by whatever means, following the date of this agreement. Payments will show as being debited from your account by Express Finance. 8) You may a. Select a different payment date to that set out in the Financial Information. This may incur a charge at the same rate as set out in the Financial Information. 9) You confirm a. that your wages will be paid on the Repayment Date as outlined in the Key Financial Information, into the Bank Account identified in your application, as per Bank Details provided. b. that sufficient funds will be available in your bank account to repay us the Total Amount Repayable 10) You must tell us immediately if: a. You change your address b. You change your name c. You change employment and/or pay frequency d. You change Bank Account and/or Debit Card 11) You have a right to cancel this Agreement for a period of 14 days, beginning with the day after this Agreement is signed by us. You can do this by giving us written notice to Express Finance (Bromley) Ltd, Kent House, 41 East Street, Bromley, Kent BR1 1QQ or fax on 0800 652 4662. a. If you cancel the agreement you still have to repay any money lent to you and any administration fee (if applicable). If you do not exercise this right to cancel, you will not be able to cancel at a later date. b. If you cancel this Agreement, within 30 days we will return any sums paid by you and you must refund any sums paid by us in relation to this agreement. 12) Any notice or demand we give will be assumed to have been properly given if served on you personally, or left or posted to you at your last known address. If sent by first class post it will be assumed to have been received by you 48 hours after posting. 13) We may transfer, change or assign all or any of our rights under this Agreement to a third party. 14) Complaints we cannot settle through our internal complaints procedure may be referred to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR 15) Your Personal Information a. Your data may be used i. for other purposes for which you give your specific permission ii. in very limited circumstances, when required by law or where permitted by the Data Protection Act 1998 iii. to manage your account iv. to make collections v. for statistical purposes, surveys, and research (we may contact you by mail, email, telephone or via the internet) b. We may make a credit reference agency search in considering whether to enter into this agreement. They will add details of our search and your application to their records and this will be seen by other organisations that make searches c. We may also disclose to credit reference agencies the details of your agreement, and payments you make to us and any default or failure to keep to its terms d. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. e. If you default or are suspected of fraud these records will be shared with other organisations. This information may be used about you and others with whom you are financially linked for credit assessment, debt tracing, and fraud and money laundering prevention f. You have the right to receive a copy of the information we hold about you by applying to us in writing. A fee will be payable. g. Your data will remain on file for 6 years after they are closed, whether settled by you or in default. h. For full written details of how your data may be used by credit reference agencies please contact the agencies below (they will charge you a small statutory fee). - Call Credit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or visit Credit report information for consumers - Callcredit - Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or visit Equifax - Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or visit Credit Reports: Get your Credit Report from Experian UK

I took out a loan on 400 pounds from payday express, the interest is 20 per 100 so in total 80. I have extended this by 2 month with cost 80 per month. I would just like to know if this is classed as a fair late fee. I offered a payment plan of 100 per month so in total repayment would be for a 4 month period as I have pay £160.00 what they said - they can't don’t that. I would have to pay 180 per month so in total for a 400 loan: £80 ( Feb.) £80 (mar) 180 (April 180 (may) 180 (June total = £700.00 for a £400 loan over 4 month My payment plan would be 160 interest and 400 - £560 ( still a lot but manageable) What do the FSA and the OFT have to say about short term loans. Typical APR: 1286.1% (31 days) Cost of Credit: 25% Payday Express is a trading style of Express Finance (Bromley) Ltd, registered in England No: 3841946. Registered Address: Kent House, 41 East Street, Bromley, Kent BR1 1QQ.. Payday Express is a registered Trade Mark under the Trade Marks Act 1994 under No. 2414425. Data Protection No: Z6952346. Credit License No: 478122