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kamwendo

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About kamwendo

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  1. Yeah i'm going to do that just wanted to make sure I was within my rights to do that. So if I talk to the fraud team and get my money back as I never gave my details to cfo lending that would be ok. Its disgusting that they can get your details from anywhere and just use them without your permission. Its scary.
  2. so does that give them authorisation to wipe my account out.
  3. Hi, Cheers for the response. The problem is I have never ever given capital finance these bank details I don't know where they got them from. I only used my natwest details with them. So they have gone into my account without my consent. I made sure no pay day people had my new bank card and have never given the tsb account details to cfo. Surely if I have never given them my tsb bank account and card details they have no authority to use them.
  4. Hi, I got a loan last year with CFO and was unexpectedly made redundant a month later. I went with a debt management company as I was getting no where trying to stop the interest and arranging a repayment plan. I have been doing this since last August and everything has gone well. Until last Thursday CFO took £300 out of my other bank account as a card payment. I have never ever given them my card details or account details. I am also not sure if it is for my loan or someone elses. I am wondering what my rights are here as I have never ever given them permission to use my TSB account. The one I used with them was Natwest. Also what should I do?
  5. Cheers that would be great. Wish I knew more stuff about this like you do. Thank you for all your help
  6. Here is the email from cfo lending. Good Morning, Thank you for your email. I am sorry to hear of your financial difficulties and have updated your account accordingly. Looking at your account I can see you were due to repay your loan today and an agreement was made to pay the full amount back. On the 9th of July 2012 you completed an affordability check with us stating your total outgoings were £350 and you confirmed there you were not aware of any impending disability, unemployment or change of circumstance that would affect your ability to repay this loan. Unfortunately we are unable to accept a payment plan as our loans are only short term and we have no legal obligation to accept a payment plan. If you are able to pay the minimum of your interest we can defer your loan until your next pay day and this will prevent your loan from defaulting. If you are unable to make this minimum payment we would have to advise you that your account will default and additional charges will be incurred as per your contract. You can make token payments towards your loan and your balance will still be reduced however your account will not be on hold. If your account defaults our collections procedures will also begin and we can contact you via phone, email, text or post as stipulated in your contract. I would advise you to keep in contact with us and advise us as soon as your situation improves or you are able to make increased payments. To discuss your account further you can contact one of our collections agents on 020 8166 1472. Kind Regards, Lauren CFO Collections Team
  7. I am still having problems with them and QuickQuid are being funny as well both of them saying it is a short loan and they dont have to. I don't know where to go from here.
  8. Hi, I have tried to set up a repayment plan for my payday loans most I have not had a problem with but two won't set one up, they are CLO and Quickquid. They say they don't have to set one up as I agreed to this loan. I have sent emails back to them with the budget speadsheet from this website and mentioning the other creditors have complied. Can anyone advise me where to go from here?
  9. Hi, This is the same with my other bills that im being chased by dca but they dont show on the credit rating either. They say they are collecting on behalf of such and such a company. so if i get in touch with the orginal company and arranging it with them instead. Love how they make this business so simple not!
  10. i got a contract with vodaphone then a couple of months later got made redundant and couldnt afford payment. I got a letter off capquest saying it had passed to them and the usual dca harrassment followed. on my credit report it only has the original company name which was vodaphone
  11. My credit report only has evans and it has defaulted since dec last year when i have been paying lewis so i dont know if they actually have it they only said they do but they told me to send ppi info stuff to evans
  12. Hi, First thing is I checked my credit report with noodle and it says I have defaulted for the past 14months with vodaphone (who I pay through dca Capquest) I have continously paid them. Was wondering what I should do. Also on a credit report should it state the debt collection agency aswell or just the original company I have never looked at a credit report before. dx
  13. Hi, i'm trying to claim my ppi and charges back from evans, so only going to pay them a £1 a month through the dca for them (Lewis Group) I was wondering if anyone knew the email address for evans and how I can make a payment to lewis group without ringing them as they wont give me the standing order details and you can only pay the full amount online.
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