Good morning all, I am looking for some help RE a recent CCJ from BW Legal / Lowell. I received the Claim form in the post 10/12/2013 which as i agree that i owed the £1,519.59 I returned via special delivery 16/12/2013 detailing repayment terms. When i received the judgement for claimant I dated 21/01/2014 I spoke with my employer and they paid the sum in full immediately as i cannot have a CCJ working in a regulated business. On 04/02/2014 I paid the sum in full over the phone and obtain payment authorisation code. I explained to BW legal that I required a written confirmation so that i could inform the courts. The person on the phone was helpful and we spent some 15 minutes setting up some security questions enabling him to send me a secure email. This email never arrived so I called BW Legal and complained. Long story short this was never received and neither was a hard copy of the letter confirming that I had paid this outstanding balance and settled my account. As this was causing me concern I obtain proof of payment and sent through to the courts and the registry trust, however they both returned the letters? The account needed to be repaid before the 21/02/2014 in order for the CCJ to not get registered on my account! On the 24/02/2014 I received an email letter from bwlegal dated the 25/04/2014 oddly, The content as follows: ' we refer to our telephone conversation of 13th February 2014. A payment of £1519.59 has been received which has been accepted as full and final settlement on the above account. As the account has now been settled we can confirm no further action will be taken.' Today the 24/02/2014 I received an alert from my credit referencing agency. I checked my report on line and I now have a CCJ registered against me and outstanding. What do I do? Where do I complain that i haven't been treated fairly? Unfortunately for me this is a Job threatening issue so I need to get it resolved. I look forward to your help. Regards Richard

Hi everyone, I need some help with my recent Welcome Finance Claim rejection. This has been an ongoing issue that I have been fighting through Welcome Finance as the loan I originally took was made conditional of taking PPI. This has been my main point when responding to Welcome however this has been dismissed. My claim has been rejected as Welcome Finance feel that because i was a Mortgage Broker and therefore Regulated individual under the FSA. This is despite the fact I explained I was unable to / Did not sell PPI products as a mortgage advisor. The response I received is as follows: DECISION NOTICE Your Claim We regret to advise that your claim reference ******** has been rejected on the basis that the responses to question D2 of the application form indicate that your employment placed you in a position where could reasonably have been expected to make an Informed decision before making the purchase of Payment Protection Insurance. We do not therefore accept your submissions of Mis-selling in this instance. As far as I am aware this response is a cop out? Any help appreciated. Thanks

So stupidly I took a loan out with these guys well over a year ago and paid hundreds of pounds worth of interested. So one day i decided enough is enough and refused to pay them any more. Months have gone buy with not sound from these guy until the following email I received this morning: Introducing CFO Resolve! Get your account out of default and up to £200 in your account today! Apply online or Call 0203-195-1184 Dear, In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product. By taking advantage of this offer we will: 1) Remove all fines and interest currently on your account. We take your current outstanding balance, including all late interest charges £638.72 and reduce it to the original £275.00 that you initially borrowed! 2) Offer you more money. We have an available £55.00 that we can transfer to your account today! 3) Set your due date for you next payday. We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too. 4) Get your account out of default with CRA’s We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier! This is effectively a new loan & an opportunity to borrow from us again in the future! Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible! Kind Regards, CFO TEAM I'm not going to act on this but isn't there something dodgy about it?

Thanks I have been looking through posts and they are very helpful, Im aware not to talk about debts on the phone but I will catch them out soon enough. My business is dealing with mortgages, investments, pensons etc etc so I have installed a very good telephone rcording system. I am just in the proces of getting my obile linked into it. Once I have achieved this I wll have all number of calls recorded from this company and others. Rich

Im not sure if this is the correct section to post but I felt it worthwhile to ad my story to see if it is familiar to anyone else's. Around about June 2011, I was going through a rough patch at work with running my business I lost control of my bank accounts etc (this is another story for another time) So I turned to Capital Finance One (CFO) for a loan to get me through roughly a week. This was the biggest, single mistake of my life to date. After repaying the debt I decided to re laon and continued this process until about september 2011. At this point after having some issues already with contacting CFO I decided to repay the interest only element and rolling over. This was fine up until the point that in October 2011 my debt had somehow jumped up to £475. This was due to the fact that even though I rolled up my interest they still decided to add penalty interest and charges. So, this is really where the fun began! At this point i tried without sucess to call the CFO offices, when I did eventually get through and started to discuss the problem they hung up. This process continued for a further week. By the end of week 2 i manaed to speak with someone again and was told in no uncertain terms that i should either email or Post if I had a complaint. So I followed both routes only to receive an email response back a couple of days latter explaining that i owe the debt and that i either pay it or it will go to court. i continued to write and email CFO until I started to recieved calls, letters and texts saying that they were going to pass the debt onto Daniels Silverman. I wish that that had done his as I have dealt with them before and they are a very professional outfit. This has been going on for some considerable time so i choe to ignore everything and i finally stooped hearing anything late November 2011. Yesterday, 9th February 2012 I received a Text from FinalNotice detailing the following: ' [EDIT NAME] , I am due to CALL to your address TODAY TO STOP action call 0161 738 1203 to make a token payment TODAY. [EDIT NAME ] . CASE ID 52490' I decided whilst travelling home from work I would call this number to speak with Mr [EDIT NAME] , when i eventually got through I was told that he was a field agent so i couldn't speak with him. The perswon on the other end of the phone was extrememly rude asked for my case ID which I gave. This was the conversation AS spoken by the other person so that you can understand what it is i am dealing with' Company ' [EDIT NAME] yeah, Right you owe us £875 Me ' Not that I'm aware of' company 'Right so your saying you dont owe 875 quid to capital finance den haha' Me ' Well no, i owe them money yeas but not what you saying' Company ' Yeah yeah right mate , well we are gonna come take stuff from your house, see ya' That is word for word how the conversation went. I have began to try and call them back and everytime i got through I got cut of by them. Ok, So today I have contacted BCCA and FOS and both will be receiving a letter and I shall for good measure copy in Capital Finance one. It frustrated me so much as I am an FSA registered individual and i just no if I would have treated one of my clients not even half as bad I would be hung drawn and quartered. I know that we are our own worst enemies by borrowing money fom these people but why are they allowed to get wawy with it?