Jump to content

Stan Dinorder

Registered Users

Change your profile picture
  • Content Count

    14
  • Joined

  • Last visited

Community Reputation

1 Neutral

About Stan Dinorder

  • Rank
    Basic Account Holder

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Hi there, I am writing to ask for help in relation to a car loan and HP agreement which my wife took out in 2007 with Black Horse. We were unable to keep the payments up in 2008 and the car was repossessed. The car was sold at auction and my wife was invoiced £12000 by Black Horse. The company invoiced my wife for £12000. The HP agreement was 'defaulted' in March 2009. After which the debt was sold on to various debt agencies. Mackenzie Hall 'ran the debt and my wife repaid monthly. I was staggered to see that my wife's credit rating dropped like a stone on 30th December 2014 by 'Idem Capital Securities' who have defaulted her again for £12000. What are the laws and regulations regarding HP agreements please? I would be grateful for your help. Stan Dinorder.
  2. Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I checked our credit ratings and my wife's had dropped like a stone. I was staggered to see a new company 'Idem Securities' who now say that she defaulted 'their' agreement and they have placed a new default against her name. The debt was defaulted in March 2009 and should one off (by my reckoning) in March 2015. Idem will not respond to any mails or written communication. The debt is 'defaulted' under the original HP agreement as well as by this new company. What can we do please? Stan
  3. I must doff my cap in thanks to the Brigadier for his advice, above. I changed the addressee on my letter of complaint and popped it into the electronic postbox yesterday. The recommendation to address my complaint to 'Richard F. Smith CEO Equifax' brought about my very first reply from the company. A named Equifax employee confirmed that my complaint was, indeed, valid and that her aim today would be to have my credit report amended to reflect the directions made by Court Order of 8 July 2014. I will keep the forum updated. And the CCJ has gone! Many thanks for your great help. Very very pleased!
  4. The refund credited my account this morning. Thanks for your help and support. Why did my 7th letter of complaint work more effectively than the previous 6? Probably because I emailed this letter directly to James Keeble @ CFO Lending and 'cc'd' the email to 'Faye Smith. Both are currently serving as 'Directors' of the company. CFO acted very unprofessionally throughout but I must also accept my fair share of the blame. I knowingly chose NOT to repay the remaining £75 of the original loan in 2011. If I had 'settled' the account correctly and honestly then none of this would have happened. I must act more responsibly in the future. If I take a loan then I should only do so on the absolute understanding that I will repay the loan on time and without complaint
  5. I 'logged on' to checkmyfile.com this morning and the CCJ is still being reported as 'active' by Equifax. I note that Equifax have offices in Bradford. Do you think it would be worthwhile driving over from Manchester with the judgement order and screen shots from checkmyfile.com? Would I be able to speak to one of their Customer Services team face-to-face? I must complete a reference check as part of a property letting agreement. The judgement on my Equifax report is destroying my public credit score with them. I score 363 with Equifax and 909 with both Callcredit and Experian. I will not meet their 'pass' criteria with the judgement still 'active'. This is why I will consider all available options. So, if Equifax are known to have an 'enquiries desk', open to the general public, then please let me know.
  6. I received a phone call from CFO Lending this morning. The lady explained that my complaint had been 'escalated' and that she wanted to apologise on behalf of the company for the problems they had caused. Furthermore, she advised me that CFO wanted to settle my claim and offered a 'full & final settlement' amount of £420.65 to close the matter. This figure had been calculated by taking the total monies taken from me (£698.65) and then deducting the original loan + agreed interest/charges (£278.00). I have just signed their agreement and am now waiting for the payment to credit my account. No chicken counting yet. I HOPE to get back to you soon...
  7. Much appreciated - thank you. I have just written a letter to Equifax. Are there any other email addresses that I could use? I have sent it to 'customer.relationsUK@equifax.com. This appeared to be the only one I could find. Any ideas?
  8. NO - I certainly don't have any liability. As a 'Manager' in a small limited company, I make sure that all supplier invoices are accurate and correctly detailed. We had terminated a 'Contract to Supply Services' by giving notice as per our agreement. The supplier is a Technology Contractor and we had engaged him to implement various upgrades for a very well known software manufacturer. The agreed rates were high and so, after missing both 1st and 2nd deadlines, we decided to give the guy notice and find a replacement. The IT Contractor was very unhappy but worked his notice and left. Subsequently, I received an invoice from his ltd company which I refused to pay. His invoice, for £14,040 (11700 + VAT) or 22.5 days @ the agreed daily rate of £520 (plus VAT), represented his 'lost earnings' for the remainder of the contract. His covering letter stated that "the contract had in fact been a 'fixed fee' agreement and could not be 'terminated'. He (as Director of the limited company) had not been able to find work during this period and, therefore, we were legally obliged to pay his invoice in full." Our solicitor confirmed that we had terminated the contract correctly and that this invoice should not be paid. As the bearer of bad news, I was singled out by the Contractor as being 100% to blame. His actions in including me as a 'Defendant' were particularly underhand and vindictive. I am going back to the court at Chester tomorrow morning to ask them to help me get this judgement removed. Do you think that I will be able to recover my £155 fee from the Claimant now that the claim has been struck out? Or am I just opening up another potential 'can of trouble'?
  9. A 'default judgement' was made against me after I had disputed a supplier's invoice at work. The supplier took his anger out on me when I would not authorise payment and wrongly named me as a 2nd Defendant in his online Money Claim. This became a huge problem for me because he had used a 4 year old address of mine in his claim. I received no papers and had no opportunity to defend the claim. Judgement was made 'in default'. I became aware of the judgement through 'checkmyfile.com' 3 weeks after the CCJ was ordered on 4 April 2014. I applied to have the judgement 'set aside' and sent a cheque for £80 to pay the fee. One month later and after numerous calls to the Salford court admin centre, I finally found out why nothing had happened. The fee had risen from £80 to £155 whilst my application was waiting to be dealt with. I paid the new fee by card and the hearing took place at Chester County Court on 8 July 2014. The Judge was great and not only had the judgement 'set aside' but made the Claimant state 'on the record' that no claim existed and, accordingly, he ordered that the judgement be 'struck out'. I asked when this would be updated on my credit report. The Judge answered that he had no idea as his Order would remove the judgement from the registry and they did not deal directly with the reference agencies. I immediately contacted the 3 main agencies with a letter and a copy of the 'set aside' order. Within 48 hours, both Experian and Callcredit replied and confirmed that they had already removed the judgement after receiving an updated register. However, Equifax continued to report the CCJ as 'live'. Checkmyfile.com promised that they would speak to Equifax on my behalf. I had to pay their subscription first. It's only £7.99 but I paid only for this purpose. I have received 6 replies over the last week from checkmyfile.com. The replies are all from different 'credit analysts' and all have different information and advice. None have helped in the slightest. I find it hard to believe that these are REAL, EXPERIENCED credit analysts as their understanding is very limited and, in most cases, their advice plain wrong. I have been told that 'Equifax need a 'Certificate of Satisfaction' from Northampton' and 'Equifax won't accept the 'General Form or Judgement or Order' and need a stamped 'certificate''. I have explained that the Order that Chester Court sent to me IS stamped and sets out exactly what the Judge said in court on 8 July 2014. The judgement is set aside and the claim itself is struck out. The claim NO LONGER EXISTS as it has been struck out and deleted. Therefore, how can I 'satisfy' something that does not exist? And why would I want to acknowledge that there IS a claim by asking for a Certificate of Satisfaction? I need to know why Equifax have not removed the judgement from my file just as the other credit reference agencies did when they received notification of the court Order to 'set aside'? I need to get this judgement removed quickly as I will not pass a landlord's reference check otherwise. Please can anybody advise me as to the best way to approach this problem? I should be most grateful for your direction on this matter. Finally, am I alone in thinking that 'default judgement's' are ordered far too quickly. Anybody can make a claim and if they knowingly use an old address, it is 99% likely that a judgement will be made 'in default'. The Judge at my hearing was angry with the Claimant and actually said that his actions were 'reckless' but nothing else happened. I have had to spend £155 for the application fee and I have wasted days and it's STILL not sorted out. Surely the system needs amending here?
  10. 1. Yes, I spoke to Lloyds Bank after the first debits had been made on my account. I asked to cancel my debit card and for a replacement to be posted. The Customer Services person was not enthusiastic when I explained why I wanted the card to be cancelled. She suggested that I write to Capital Finance One Limited to cancel the CPA agreement but warned me that I still had to agree with them what was still outstanding and how this would be repaid. My email to Capital Finance One clearly cancels the right for them to debit my account. It also sets out why I dispute the charges made against me. I accept that the loan had, at this time, only been part paid (£203 paid with £75 outstanding). 2. Although I accept that I was aware that I still had an unsettled loan with Capital Finance One Ltd when I applied for the 2nd loan, I did not include false information or misrepresent myself. If I am missing an obvious point here, please let me know. I disagree that my bank have any blame here. the original loan was taken in 2011. My bank, at that time, was Lloyds. I cancelled the CPA agreement with Lloyds Bank. The unlawful debits were made from my Nationwide account. CFO only had these details after I had submitted them as part of my 'rejected' loan application in 2014. I cancelled the CPA authority with CFO Lending and Lloyds Bank on 24th August 2011. CFO Lending took £495.65 from my Nationwide account in June 2014. Nationwide had no idea who CFO Lending were and approved the debits as the details were accurate and the funds were available. I am actually very grateful for the stance they HAVE taken on my behalf. I have been able to show Nationwide every email and every document relating to the loan and dispute. If I had not kept everything then Nationwide couldn't justify the investigation.
  11. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit. CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement. I immediately replied with a full explanation that I had not defaulted. CFO emailed the same message on 3rd August 2011 and on 4th August 2011, when I fully expected CFO to debit £278 and close the agreement, CFO took £128 which they said was 'charges for 3 defaults'. Emails were traded back and forth. I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations. I ordered CFO not to take any further monies until we had resolved the dispute. I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account. ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval. CFO then debited 3 x £25's from my bank without my approval or authorisation. I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully. I told them that the agreement was in my opinion 'settled and closed'. CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...) and that they would report to credit agencies that I was 'in default'. In April 2014, I made a payday loan application for £200 from CFO Lending Limited. I didn't know that Capital Finance One Ltd had changed their name in 2012, but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company! However, I was skint and had repaid £203 for the £200 loan in 2011. My application was rejected immediately. I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details. I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application. I had to give my debit card details so that, if successful, the loan could be collected from a named account. When rejected, these details should have instantly been erased by CFO Lending. However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65. It took me a day to put the pieces together with the help of my bank 'visa dispute' team. I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification. I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly. I had to wait nearly a week before I received a formal response. CFO stated that all of the debited money was to repay the outstanding loan from July 2011. CFO Lending had already taken £203 from my account in 2011. The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely). CFO had taken a further £495.65 on 11th June 2014. Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay! CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014 could be used by them to recover any monies relating to the agreement we had in July 2011. They claimed that the Continuous Payment Authority set out in the 2011 contract justified this. I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards. My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them to 'stop taking any further money from my account until the dispute is resolved satisfactorily. Any authority which Capital Finance One may have had is cancelled with immediate effect. You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'. I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset. I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account. CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within. Nationwide Building Society is investigating these transactions as 'fraudulent'. I have been able to make a formal complaint to 'Action Fraud'. Nationwide has advised me that THEY will report to the Police as this is their responsibility. I must now make a claim for the money using the CCMCC (county court money claims centre). I am determined to make the most of this opportunity to show the public just how payday lenders work. My case is very strong and legally sound. However, I am afraid that I will slip up in its execution by making an administrative or process error. Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point. I have been 100% honest and open in my account of this matter. I have had to use a payday loan company because my credit history is not great. I did know that they have a reputation for difficulties. I repaid £203 for the £200 loan in 2011. I know that I should have patiently resolved the dispute then and paid off the remaining £75. CFO Lending still doesn't have the right to treat any customer like this. This 'CPA' justification is wrong and is completely unfair and dangerous. I want to make payday lenders change their working practices with this claim. I am not pretending to be Florence Nightingale. I have credit problems but I should not have to repay £700 for a loan of £200 - this is wrong. So, if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch. If you need any further information, let me know.
  12. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit. CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement. I immediately replied with a full explanation that I had not defaulted. CFO emailed the same message on 3rd August 2011 and on 4th August 2011, when I fully expected CFO to debit £278 and close the agreement, CFO took £128 which they said was 'charges for 3 defaults'. Emails were traded back and forth. I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations. I ordered CFO not to take any further monies until we had resolved the dispute. I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account. ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval. CFO then debited 3 x £25's from my bank without my approval or authorisation. I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully. I told them that the agreement was in my opinion 'settled and closed'. CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...) and that they would report to credit agencies that I was 'in default'. In April 2014, I made a payday loan application for £200 from CFO Lending Limited. I didn't know that Capital Finance One Ltd had changed their name in 2012, but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company! However, I was skint and had repaid £203 for the £200 loan in 2011. My application was rejected immediately. I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details. I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application. I had to give my debit card details so that, if successful, the loan could be collected from a named account. When rejected, these details should have instantly been erased by CFO Lending. However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65. It took me a day to put the pieces together with the help of my bank 'visa dispute' team. I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification. I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly. I had to wait nearly a week before I received a formal response. CFO stated that all of the debited money was to repay the outstanding loan from July 2011. CFO Lending had already taken £203 from my account in 2011. The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely). CFO had taken a further £495.65 on 11th June 2014. Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay! CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014 could be used by them to recover any monies relating to the agreement we had in July 2011. They claimed that the Continuous Payment Authority set out in the 2011 contract justified this. I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards. My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them to 'stop taking any further money from my account until the dispute is resolved satisfactorily. Any authority which Capital Finance One may have had is cancelled with immediate effect. You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'. I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset. I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account. CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within. Nationwide Building Society is investigating these transactions as 'fraudulent'. I have been able to make a formal complaint to 'Action Fraud'. Nationwide has advised me that THEY will report to the Police as this is their responsibility. I must now make a claim for the money using the CCMCC (county court money claims centre). I am determined to make the most of this opportunity to show the public just how payday lenders work. My case is very strong and legally sound. However, I am afraid that I will slip up in its execution by making an administrative or process error. Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point. I have been 100% honest and open in my account of this matter. I have had to use a payday loan company because my credit history is not great. I did know that they have a reputation for difficulties. I repaid £203 for the £200 loan in 2011. I know that I should have patiently resolved the dispute then and paid off the remaining £75. CFO Lending still doesn't have the right to treat any customer like this. This 'CPA' justification is wrong and is completely unfair and dangerous. I want to make payday lenders change their working practices with this claim. I am not pretending to be Florence Nightingale. I have credit problems but I should not have to repay £700 for a loan of £200 - this is wrong. if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch. If you need any further information, let me know.
  13. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'one month' time limit. CFO did not respond until 29th July 2011 when they emailed a 3 lined message to tell me that I had 'defaulted' on the agreement. I immediately replied with a full explanation that I had not defaulted. CFO emailed the same message on 3rd August 2011 and on 4th August 2011, when I fully expected CFO to debit £278 and close the agreement, CFO took £128 which they said was 'charges for 3 defaults'. Emails were traded back and forth. I disputed these charges and even pointed out that the notices they sent me to notify of my alleged 'defaults' were completely invalid and did not comply with the Consumer Credit Act stipulations. I ordered CFO not to take any further monies until we had resolved the dispute. I also gave written cancellation for any authorisation CFO may have had to 'CPA' my account. ie not to debit what they wanted - when they wanted - without the need to inform me or seek my approval. CFO then debited 3 x £25's from my bank without my approval or authorisation. I wrote to CFO to say that they had now taken £203 and had taken £75 unlawfully. I told them that the agreement was in my opinion 'settled and closed'. CFO wrote to me once more to state that I still owed them £200 (how they calculated this figure, I don't know...) and that they would report to credit agencies that I was 'in default'. In April 2014, I made a payday loan application for £200 from CFO Lending Limited. I didn't know that Capital Finance One Ltd had changed their name in 2012, but I'd be lying if I said that I didn't have a pretty good idea that they were one and the same company! However, I was skint and had repaid £203 for the £200 loan in 2011. My application was rejected immediately. I had 'ticked' the box which denied CFO Lending to keep for themselves or pass on my personal details. I had submitted details of my new Nationwide Building Society (set up in 2013) account as part of the loan application. I had to give my debit card details so that, if successful, the loan could be collected from a named account. When rejected, these details should have instantly been erased by CFO Lending. However, CFO Lending waited until 11th June 2014 and made 5 separate debits from my bank for a total of £495.65. It took me a day to put the pieces together with the help of my bank 'visa dispute' team. I could not believe that CFO Lending had used information (which had only been submitted as part of a failed loan application and should have been deleted) to take £495.65 from my bank account without any authorisation, approval or even notification. I spoke at length to Ms Susie McKenzie in CFO Collections who said she would get back to me quickly. I had to wait nearly a week before I received a formal response. CFO stated that all of the debited money was to repay the outstanding loan from July 2011. CFO Lending had already taken £203 from my account in 2011. The last email they sent in 2011 told me that I 'still owed £200' (which I disputed completely). CFO had taken a further £495.65 on 11th June 2014. Therefore, CFO claimed that my £200 payday loan cost £698.65 to repay! CFO Lending claimed that the bank details which I had submitted as part of a rejected loan application to them in April 2014 could be used by them to recover any monies relating to the agreement we had in July 2011. They claimed that the Continuous Payment Authority set out in the 2011 contract justified this. I spent hours in collecting every email and document relating to my dealings with CFO from 2011 onwards. My response included a copy of the vital email which I sent to CFO on 24th August 2011 in which I ordered them to 'stop taking any further money from my account until the dispute is resolved satisfactorily. Any authority which Capital Finance One may have had is cancelled with immediate effect. You (CFO) have taken much more money than we agreed. Do not debit any more money from my bank'. I also set out why their defaults were invalid and why these huge charges could not be applied as they were never discussed or explained at the outset. I have a very strong and complete argument as to why CFO's actions are unlawful and why they must return all monies taken AFTER I cancelled the CPA and ordered that they make no more transactions on my account. CFO has failed to respond to this letter or any of the 6 I have sent them since. I sent a 'Final Demand' and they have not met the requirements within. Nationwide Building Society is investigating these transactions as 'fraudulent'. I have been able to make a formal complaint to 'Action Fraud'. Nationwide has advised me that THEY will report to the Police as this is their responsibility. I must now make a claim for the money using the CCMCC (county court money claims centre). I am determined to make the most of this opportunity to show the public just how payday lenders work. My case is very strong and legally sound. However, I am afraid that I will slip up in its execution by making an administrative or process error. Thus enabling CFO Lending's solicitors to have the claim 'dismissed' on a technical point. I have been 100% honest and open in my account of this matter. I have had to use a payday loan company because my credit history is not great. I did know that they have a reputation for difficulties. I repaid £203 for the £200 loan in 2011. I know that I should have patiently resolved the dispute then and paid off the remaining £75. CFO Lending still doesn't have the right to treat any customer like this. This 'CPA' justification is wrong and is completely unfair and dangerous. I want to make payday lenders change their working practices with this claim. I am not pretending to be Florence Nightingale. I have credit problems but I should not have to repay £700 for a loan of £200 - this is wrong. So, if anyone out there could please offer practical or legal advice which will help me make my claim more effective, then please get in touch. If you need any further information, let me know.
×
×
  • Create New...