madmatt101
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Everything posted by madmatt101
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your defense is to deny liability, Using the smoke alarms as an example, you would deny you are liable for the replacement of them, as during the tenancy the Fire brigade fitted new smoke alarms, as there were no working smoke alarms in the property.
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- action
- county court
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Can I take my Landlord to the small claims
madmatt101 replied to thecookiemonster's topic in General Legal Issues
Change all the locks on the door and keep the old ones for the end of your tenancy. You could even get a locksmith to change the barrel of the lock, so the lock looks the same but needs a different key. If you did that and the landlord then contacted you about you changing the locks you would have proof that they had attempted to enter as the lock would look exactly the same and the only way they would know would be if they attempted entry.- 94 replies
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it may be useful to have a housing forum, with subforums for Private, Council and Housing associations?
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Disclosing Personal Information
madmatt101 replied to morphster1983's topic in Cash Genie and associate companies
redress means remedy or compensation for a wrong or grievance. They added charges and rolled over loans unfairly. The FCA has deemed that they must pay these charges back. there is more data here. http://www.fca.org.uk/news/cash-genie-redress-unfair-practices In the meantime make sure that cash genie have your up to date information and you can email them at [email protected] There are other threads here about the redress. I spoke to them earlier today and they have been in contact with 2000 people, only 90000 to go.- 5 replies
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I have noticed that when I view the site from my iphone, all closed threads have a line through the title. I can understand this for closed threads and no more posting is allowed, however stickies that are also closed for new posts also have the same issue, and can make the title difficult to read on a small screen.
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Cash Genie to pay redress.
madmatt101 replied to silverfox1961's topic in Cash Genie and associate companies
I'm only getting the template letter at the moment. Although on the phone they have told me I am due for redress, but not the amount. Also they said that no electronic payments will be made until after 10th August. -
Disclosing Personal Information
madmatt101 replied to morphster1983's topic in Cash Genie and associate companies
If the debt is cash genie, you may be entitled to redress too- 5 replies
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Can we all pray that...
madmatt101 replied to RobbingHood's topic in PayDay loans and Short Term loans - General
I am in the process of claiming back charges from them. I am waiting for their response to my formal complaint. -
Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
it doesn't look like it. The formal complaint went in and I'll see what happens. They have now said they will get back to me in 7 days. -
I've sent an email enquiry now to see if I'm due a redress. Should be because I think I paid them through Carter Forbes EDIT This is what they sent me Your account is being reviewed and you will be sent a letter or an email within 4 weeks advising you of the redress due to you. You do not need to do anything else at this point, however it would be helpful if you could ensure that we have your up to date contact details. Please can you send us your latest: · Postal address · Email Address · Contact telephone numbers More information is also available on the website; https://www.cashgenieloans.co.uk/redress-programme.php Kind regards, Customer Support
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Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
To update all the readers of this thread. I have sent a formal letter of complaint. I noticed that there were no further interest charges on my account so I used the satint sheet. I will see what they come back with and post up an update. -
Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
Hi Luke, I have found this email address for them too [email protected] -
Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
Hi DX I have filled in the sheet and I think I must have done something wrong It tells me that I am claiming for over £158million for interest on charges of £541 It would be nice to get that, however I cant quite see that being paid out, and going through the courts could be expensive -
Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
Hi Luke I sent the email to this address [email protected] I got responses from this address [email protected] Hope this helps -
It depends. Code 47 is stopping in a bus stop. Does the description on the ticket match the code on the link below. If not you may have an appeal http://www.walthamforest.gov.uk/Documents/Pcncodes%20v6%206%201.pdf
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- bus
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Claim back all charges from CFO - ** SETTLED **
madmatt101 replied to madmatt101's topic in Capital Finance One/ Mtcollect
I have a statement of accounts from them with dates. I assume I will need to do some form of complaint letter and calculations. They also took £15 off each of the loan amounts for faster payment Agreement No: created message Debit Credit Account Balance 31/05/2012 Principal £200.00 £200.00 31/05/2012 Principal Interest £78.00 £278.00 29/06/2012 Deferral Payment -£78.00 £200.00 29/06/2012 Interest Added £78.00 £278.00 03/07/2012 Refinance -£78.00 £200.00 03/07/2012 Refinance -£200.00 £0.00 Agreement No: created message Debit Credit Account Balance 03/07/2012 Principal £600.00 £600.00 03/07/2012 Principal Interest £234.00 £834.00 31/07/2012 Deferral Payment -£234.00 £600.00 31/07/2012 Default Charge £25.00 £625.00 01/08/2012 Card Payment -£25.00 £600.00 02/08/2012 Interest Added £294.00 £894.00 31/08/2012 Default Charge £25.00 £919.00 06/09/2012 Default Charge £54.60 £973.60 13/09/2012 Default Charge £54.60 £1,028.20 20/09/2012 Default Charge £54.60 £1,082.80 27/09/2012 Default Charge £54.60 £1,137.40 04/10/2012 Default Charge £54.60 £1,192.00 18/10/2012 Default Charge £54.60 £1,246.60 25/10/2012 Default Charge £54.60 £1,301.20 01/11/2012 Default Charge £54.60 £1,355.80 08/11/2012 Default Charge £54.60 £1,410.40 15/11/2012 Card Payment -£25.00 £1,385.40 15/11/2012 Card Payment -£54.60 £1,330.80 15/11/2012 Card Payment -£54.60 £1,276.20 15/11/2012 Card Payment -£54.60 £1,221.60 15/11/2012 Card Payment -£54.60 £1,167.00 15/11/2012 Card Payment -£54.60 £1,112.40 15/11/2012 Card Payment -£54.60 £1,057.80 15/11/2012 Card Payment -£54.60 £1,003.20 15/11/2012 Card Payment -£54.60 £948.60 15/11/2012 Card Payment -£54.60 £894.00 15/11/2012 Card Payment -£294.00 £600.00 15/11/2012 Card Payment -£600.00 £0.00 The card payments at the end is where I found a new job and they emptied my account in my first payday. -
Hi had a loan with CFO Lending/Capital Finance One. I ended up paying a huge amount in charges. Has anyone successfully reclaimed charges from these guys. They have sent me a statement of account so I know how much the charges I paid were. A summary of my account with them is below Thank you for your email. Please find attached a statement of your account for your reference. Having looked through your account I can confirm you first took out a loan with CFO Lending for the amount of £200.00 with interest of £78.00, making the total amount payable £278.00. You agreed to repay this amount back in full on 29th June 2012. At your request, on this date we collected the minimum of your interest payment and your loan was deferred. Making your interest payment did not reduce your outstanding balance but covered the cost of borrowing for a further month. Your loan was then due for repayment on the 31st July 2012. On the 3rd July 2012 before your loan was due for repayment, you chose to refinance your loan for a further £400.00. This amount was added to your Principle loan amount of £200.00 and interest was calculated on the total. You agreed to pay the amount of £834.00 back in full on 31st July 2012. On this date we failed to receive payment as agreed and as per your contract your account fell into default and collections procedures were in place in an attempt to collect full amount of funds owed under this agreement. As per your contract a £25.00 administration fee was applied to your account for falling into default. Added interest would then have been applied at a rate of 1.3% of your principal loan amount daily. Through collections procedures we collected the amount of £234.00, as you had not requested for your account to be deferred, your account remained in default and continued to incurred added interest and charges as per your contract. On the 2nd August 2015, the business received a text message from you requesting to set up a deferral payment. You were advised that as the we had collected your administration fee payment along with a payment that matched your interest amount we will be happy to defer your loan until the 31st August 2012. On the 31st August 2012 we again failed to receive payment as agreed and your account fell back into default and incurred added interest and charges as per your contract. As per your contract a £25.00 administration fee was applied to your account for falling into default. Added Interest was then applied at a rate of 1.3% of your principle loan amount for a maximum period of 90days.With all the added interest and charges applied to your account your outstanding balance was brought to £1410.40. To date we have received payments totalling £1410.40 leaving a current outstanding balance of £0.00. CFO Lending can confirm your account with the business is settled in full and closed. Should you have any further queries regarding your account please do not hesitate to contact us.
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Surely you weren't parked, they could issue a ticket for stopping in a bus stop, but i fail to see how they could do parking
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- bus
- contravention 47
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Second hand car dealer & small Claims court
madmatt101 replied to carsen80's topic in General Legal Issues
It's probably just an error. A lot of people tick the box. Don't worry too much about it. -
Nat West and Capquest chasing old credit card debt
madmatt101 replied to Pathway's topic in NatWest Bank
Surely you could let them off-set and claim back the charges from the Credit Card, using the same method as PPI. Numerous people have won back the charges on these forums
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