Could be worse,it could be an ex chat line number.

Thank you for your reply DX. But why should they give incorrect information,or are they that incompetent. My apologies for my previous post, as it seems to have separated all over the place. Regards,John.

Just an update. I have checked with the THREE shop in York,they think that I might have a recycled number,nothing to worry about they say. Regards,John.

My apologies if I posted in the wrong section,as it relates to a credit card,Santander and Noddle. The story is that my payments do not tally with the balance on my card, this is according to my Noddle report. For example, my last payment on my card was for £500,but Noddle is showing a payment of £100. The balance on my card corresponds to a payment of £500. Looking further back on my report, February of this year, it is showing as 0 payment, but January is £220 and March is £110 .I know for a fact, that I did not make a payment of £220 in January, it was £110. There is no marker to indicate that it was not paid, just a green dot and OK in the status history. There are further discrepancies going further back. I will have to check with my card statements. Who is at fault, Santander or Noddle. Regards, John.

Thank you for your reply. I do not think for one minute that the phone is reconditioned,I think that as I have already said,someone has called the SIM card number,before the card has been activated.Then when I put the card into the phone,the missed call has shown up. If the phone had been reconditioned,THREE or Apple would have put the phone into factory settings,which would have wiped everything clean.Then the missed call would not have been showing. Regards,John.

Has anyone experienced this before. I got a new phone on contract from THREE on Friday 25th August.As one does,I had a play around with it.I looked in the recent calls log and was shocked to see it had a missed call from 29/06/2017.This call was 2 months before I got the phone.As when I got the phone,it was sealed up and the SIM card was sealed. The only explanation that I can think of,is that someone had inadvertently called the number before it was registered. Regards,John.

Has anyone noticed the change in flavour of this brand of coffee.I have drinking it for at least 30 years,now they have changed the flavour,which is awful. The labelling seems the same,but if you look carefully,there is a little green oblong with the wording of NEW IMPROVED in it.Also the label says that it is double filter.I think that they have filtered all the flavour out.It also leaves a bitter taste in your mouth,similar to chicory,that lingers in your mouth for ages. On the complaints site there are lots of unhappy consumers.One person actually had the water board to check her water,thinking that it was the water and not the coffee that was at fault. I have checked with Sainsbury,Iceland,Morrisons and Tesco,they all say the same thing,"we are not aware that the brand had altered". So what is Nestle playing at,if this is a money making plan,they will lose out,as the consumers will migrate to other brands. They changed the flavour of Coca Cola some years ago and sales dropped 20%.They soon brought back the original flavour. The only comment that I can find from Nestle,is that there is bound to be some negative feed back when we change a brand As far as I am concerned,it is ........ RIP NESCAFÉ. Regards,John.

With regard to Andrewman. Have you checked with your bank regarding the final Direct Debit. Several years ago, I cancelled a Three account. Some weeks later I received a letter from a DCA saying that I owed Three x amount. I went to the local Three shop, who explained that it was an admin error and forget about it. Some weeks later, another letter from the DCA,saying that I still owed money. I now went to my bank to see what had happened to the Direct Debit. The bank told me that Three had cancelled the Direct Debit before they had taken the final payment, then tried to reinstate it for the final payment. The bank had refused Three permission to reinstate the Direct Debit. Regards,John.

I did mention it in an previous posting or thread,that United Kash told me that they would try and settle for more or less what the original loan was.They were working on figures taken from the Speed Credit loan sheet,which included inflated interest.So if they are prepared to chop 75% off the loan,this might be the inflated interest.I can only tell you what they told me over the telephone,as I do not have it in writing. As these accounts have been passed around various companies purporting to own the accounts,I do not think anyone has received a NOA. All I can suggest is that you email them,then you have everything in writing. Regards,John.

Just a quick update. After sending United Kash proof of payment regarding my old settled Speed Credit account. I received the following email yesterday (26/08/16) from United Kash. ----------------------------------------------------------------------------------------- Dear Mr. XXXXXXXX Please consider this as confirmation that your account has been closed and you will no longer receive any correspondence or communication related to this account in the future. Regards, Ken United Kash ----------------------------------------------------------------------------------------- So it is obvious that anyone who has already paid their Speed Credit/Toothfairy account and are being chased by United Kash,get in touch with United Kash. Regards,John.

Rippedoff. Have noticed that in your last posting,the first two emails are showing a debt of £200.The third one is showing a debt of £400. Something not quite right. Regards,John.

As yet,I have received nothing from them.I will give them a couple of more days. United Kash by what I have been reading about them,seem to be the owners of a few pay day loans,or claiming to be.As I have said in a previous post,several companies seem to claim ownership of the old MCO loans. I own the loans,but I do not have any proof,just believe me. Regards,John.

Rippedoff. Instead of repeating myself,look at the thread created by Tinkerbell.There are some details regarding United Kash. Regards,John.

I phoned United Kash today,I spoke to a Mr Chris Prime who is a director of the company. They are now the owners of all MCO loans.He is quite aware of the history of MCO. He told me that no one will be paying the grossly inflated sums,it will be more or less the original loan figure.These figures were based on the daily interest figures that were on the Speed Credit files. Anyone with proof of payment to show that your MCO account is closed,can send the details to United Kash,then it will be removed from their files. I hope that this has answered some questions. Regards,John.

Tinkerbell. Looking at the email that Ripped off received from United Kash,it states the following,..... United Kash Limited is writing to notify you that MCO Capital Limited(Trading as SpeedCredit) Limited has sold and transferred to United Kash Limited all rights to its claim against you. It therefore means that United Kash Limited owns the debt mentioned above. United Kash Limited will contact you to discuss the loan along with claims against you. But that was not in my email. Going back to my previous post,I said that MCO loans had been passed around a bit.I forgot to mention that Web Loans Processing were trying to collect them,who were feeding from the same trough as MCO. Then Loads of Dosh bought the debts,then DHR Capital were trying to collect. But,do not panic,as you are in safe hands on this forum. Regards,John.

Honeybee. You beat me to it,but I do not believe that was the actual number,as it changed every time where the ID no. was shown. Anyway,thank you for being so prompt. Regards,John.

Rippedoff. Are you aware that you have left you account ID number on your previous posting. Over the last few years, a few companies have claimed to own the MCO debts. Think yourself lucky that they want just £400 from you, other people (myself included) have had demands for over £4000. But my account was paid off in March 2012 and they are now chasing me for over £4000. Whatever you do, do not panic, as you are in safe hands on this forum. Regards,John.

The problem is,WHO OWNS THE LOAN. A couple of years ago,people were receiving emails from a company called Digital Financial Services,who stated that they were now the owners of all MCO loans.This company was owned by an ex directer of MCO,there is proof that money paid to DFS,did not go to paying of the Speed Credit loan.It was siphoned off to other accounts. Then everything went quite until about March of this year,when people received a letter from BPO collections,who were collecting for Cash Choice UK.Paul Micheal Whelan is a director for Cash Choice and also a director for MCO capital.I believe he was made custodian of MCO by Price Waterhouse Cooper. Then this week,people have received emails(myself included) from a company called United Kash,who want a grossly inflated payment.Their email does not say who they are collecting for,only making reference to a loan from MCO (Speed Credit). United Kash is owned by an American company called Harvco LLC,or they are a major share holder. I phoned BPO collections on Wednesday,they told me that they had returned all Cash Choice (MCO) accounts.So,something must not be right. When I paid my MCO (Speed Credit account),the money went to an account held by CIM technologies.This was over 4 years ago.It seems now that the plot has thickened further. So I would advise no one to pay anything until we find out who the real owners of the loans are.I am thinking that any payment made now,might not go to rightful owners. Regards,John.

Bazooka Boo. Thanks for the reply,I am not really concerned regarding their antics,but someone else might pay up. I have phoned BPO collections this morning to get some information.Without revealing why,they informed me that they returned all Cash Choice UK accounts in June. Regards,John..

Just an update. I presume other members will have or will be receiving an email from United Kash regarding the old Toothfairy/SpeedCredit loans. It seems strange that in April, BPO were collecting for Cash Choice UK. Now,United Kash want it. Here is a copy of the email. This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit). We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £4,239.84. If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected] If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 17/08/16. Yours faithfully ------------------------------- Christopher Prime United Kash Limited United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL. In April, it was £400, now it is over £4000. I have been looking through old records and I paid SpeedCredit off on 30/03/12. But they disputed it but eventually closed my account. They also issued me a default notice on 30/04/12. The default notice and all records of SpeedCredit were removed from my credit file around August 2012. I still have the computer print out that the bank gave me regarding my payment. Should I wait to see what progress United Kash will make, or is it a Trading Standards/Action Fraud. Regards,John.

Stigman. Comments noted.I hope that the originator of this thread has noted the comments. Regards,John

Stigman. I can find the company records of 1st Locate,but nothing for LCS. On one of the 1st Locate sites,it did mention LCS customers. Regards,John.

LCS also feed from the same trough as 1st Locate. 1st Locate UK Limited. Town Centre House, Merrion Centre, Leeds, LS2 8LY There has been lot of non flattering comments over the years,regarding 1st Locate and LCS here on CAG and the internet. But I cannot seem to find any reference to LCS in the company house records. Regards,John.

They did copy them free of charge as far as I can gather,but after much complaining. After reading about the actions of ATOS,I have found that it is now a company called Maximus.It is very frightening to read about the lies that the medical staff put on peoples DWP report and how they try and trick people. Regards,John.

Just a quick question,as I only have brief details. A friend went for a medical assessment last week,she took various documents with her. ATOS wanted photocopies of the documents,but wanted too charge her £1 each document,which seems unfair when someone is on benefits.Needless to say,she did not pay. Is this £1 charge per document normal practice. Regards,John.