Lantern DRS Limited (Formerly MMF) Date of issue – 11 JUN 2018. Date of issue 11 + 19 days ( 5 day for service + 14 days to acknowledge) = 29 Jun 2018 + 14 days to submit defence = 13 Jul 2018 (33 days in total) Particulars of Claim What is the claim for – the reason they have issued the claim? 1.the defendant owes the claimant £550.00 under a regulated loan agreement with cfo lending ltd dated 02/08/2013 which was assigned to the claimant on 25/08/2017 and notice of which was given to the defendant on the 25/08/2017 (debt). 2.despite the formal depend for payment of the debt the defendant has failed to pay and the claimant claims £550.00 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate 8.00% per annum amounting to £44.00 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? NO What is the value of the claim? £594 + COURT FEE £60 + LEGAL FEE £70 = £724 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PAY DAY LOAN When did you enter into the original agreement before or after April 2007? AFTER Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? NO Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? NO Why did you cease payments? Unknown Debt, I had a number of pay day loans around 2012/13/14 and as far as I was aware they had all been paid off in full. This has never shown up on any credit report as a missed payment or default. What was the date of your last payment? UNKNOWN Was there a dispute with the original creditor that remains unresolved? CFO WENT INTO ADMINISTRATION Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Hi Guys, I have had a court claim letter through the post. I have been onto the MCOL site and completed the AOS steps. I have also just written out the CPR request and CCA request that will go in the post Recorded Delivery tomorrow. As mentioned above I am not aware that I owe any monies to CFO lending as I paid all my loans as far as I am aware. I also vaguely remember my account getting a redress from CFO in the tune of £650+ which is more than what they are claiming I owe. Any help would be much appreciated

Gone into administration. When the FCA banned them from operating as a Payday Lender, they also ordered CFO to redress customers who had been unfairly treated. Today, they have gone into administration, with emails from the administrator stating the actual figure owed to the individuals, but it won't be paid.

The amount that CFO were claiming was £940 - Motormile are now claiming £32.67. I probably will pay this to bring the matter to a close. OUR REFERENCE: M4591793 CURRENT OUTSTANDING BALANCE: £32.67 Welcome to Motormile Finance UK Limited (MMF). Dear xxxxxxxxxxxxxxxxxxxxx We write to inform you the CFO Lending Limited was placed into administration on the 6th of April 2017. Paul Boyle and David Clements of Harrisons Business Recovery and Insolvency Limited, were appointed joint administrators and your CFO account 223644 has now been sold to Motormile Finance UK Limited (MMF). Click here to download your goodbye letter from CFO Lending, please note you will need to enter your date of birth. Whilst the conditions of your account will not change we are pleased to advise that, upon purchasing your account, we have removed any remaining interest, fees and charges from the original agreement. The balance noted above is therefore now your original loan amount less any payment you have already made to CFO Lending. We have allocated a new reference number (shown above). If you have more than one account with us, the customer reference number should now be used in all future correspondence or contact with us for all of your accounts. Please find a breakdown of the accounts you hold with us below: Original Lender Name Reference Amount Outstanding CFO Lending 223644 £32.67 The transfer assigns all of CFO's rights as the owner to Motormile Finance UK Limited. Your legal rights will not be affected by this transfer and future contact should be made directly to MMF. The effect of the legal assignment is that MMF now own the debt and perform all obligations as stated in your agreement, this includes the collection of any outstanding balance. We wish to ensure the smooth transition of your account to us and using our expertise, our intention is to understand your current financial position and agree a suitable repayment plan that is affordable based on your circumstances. You can securely manage your account online by visiting and follow our simple registration process. Alternatively, you can complete a payment mandate here and return to or to discuss your payment options please contact us on 0113 887 6876. If for any reason you believe any of the information we hold for you is incorrect, you should let us know immediately. Your statement of account will follow shortly, we look forward to hearing from you within the next 7 days. Yours sincerely Motormile Finance UK Limited (MMF) Please note: if you choose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products. We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements. MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307. Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT. EmailID:[3055189]

At last, CFO Lending (Capital Finance One) have had their comeuppance This is fantastic news and I am so happy that possibly the worst of all the lenders have been put to rights FCA Article here: https://www.fca.org.uk/news/press-releases/payday-firm-cfo-lending-pay-34-million-redress

i have had a couple of old PDL's and these have just resurfaced texts/emails. History is.. Last payment 20th December 2012. 17/12/12 - i asked about rolling over (ignored and went into default) 24/1/13 - called and emailed and asked to come to a repayment plan 25/1/13 - email received offering me 'resolve' with more money - never took but emailed and asked to come to arrangement - but again ignored. 28/1/13 - another 'resolve' email and i replied asking not to do this but come to arrangements - ignored again. all quiet.. 11/7/13 - offered resolve again. I emailed asking why no one would come to arrangement and i was keep being offered resolve. 15/7/13 - received a response saying they could come to a payment plan - i emailed and asked for details on how much i owed etc and what resolve was - this was ignored. 24/2/14 - received another email offering 'resolve' but no answers to my questions. 15/3/14 - received yet another 'resolve' offer and click 'here' email 19/3/14 - i emailed back and said they were out of order pursing the debt whilst not giving me any information etc and i would report them if i didn't receive the information back. 11th may 2016 - received a email saying 'redress' and i now owe them less money due to a review on my account.. August 2016 - Email received saying they are going to default me if i don't pay the sum due in 14 days (now had the default email). Texts also started and calls... I don't want a fresh default (3 year and 9 months after last payment) - and they had total ignored my previous requests and tried to trap me in previously with 'resolve'.. To date not on my credit files. Reading through here it seems they are sending defaults out on mass now - which can't be right. I owe around £600 - but these people are very aggressive to deal with when you do speak too (not that i will now).. Ironically, i would have paid if they had helped me at the beginning but its getting silly now. How do i sort this out once and for all?

You are due redress because CFO Lending did not treat you fairly in the past. Your redress will be in the form of a reduction to the balance you owe CFO. Your account balance has been adjusted to reflect this redress amount. Please read this letter carefully. It contains further information about why this redress is due and how this affects you. In most cases, you do not need to do anything. Dear blah blah Why are we writing to you? We are writing to you because you either currently hold an account with either CFO Lending or one of its trading names [Capital Finance One] and you have been assessed as not having been treated fairly in accordance with regulatory standards. You are due redress as a result. CFO Lending agreed with its regulator, the Financial Conduct Authority (FCA), to conduct a review and customer redress scheme overseen by an independent third party, Grant Thornton UK LLP, whose appointment was agreed by the regulator. How will my redress be paid? Your account balance has been reduced by £225. Your account balance is now £0 What do you need to do now? To help you with any queries you might have about the background to this review and the redress scheme agreed with our regulator, please contact us on 0208 045 1382. You do not need to take any further action in order to accept this offer of redress. Detailed below are the eight specific issues that were assessed to determine whether or not our customers have been treated fairly: 1. Balance restatement 2. Misuse of banking information 3. Excessive use of continuous payment authority (CPA) 4. Mishandling of complaints 5. Misleading and threatening communications 6. Inaccurate reporting to credit reference agencies (CRA’s) 7. Interest rates on rollovers 8. Annual statements not produced after 13 months We accept that we did not always meet the appropriate regulatory standards and we have agreed with our regulator to provide redress to affected customers. If you have any further questions or concerns then you can contact the dedicated Customer Service team who will be able to help you. You can contact us using the following details: Telephone: 0208 045 1382 Email: [email protected] Write to us: Redress department, 2nd Floor, Kirkdale House, Leytonstone, London E11 1HP What does this mean for me? You have been assessed as not having been treated fairly in relation to: 1. Balance restatement - The total redress your account will be reduced by under the agreed scheme is £225. Our approach to calculating redress and its application has been independently verified. Yours sincerely, CFO Lending Ltd Anybody else get this email?

So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they didn't "do" repayment plans and I had to pay the full balance or default and refused to provide me with paying in details. I got details from here and started paying back small amounts but like others on here they hounded me with emails, texts and phone calls to the point I was scared to check my emails or turn on my phone. They sent Daniel Silverman after me and offered their Resolve Loan which I obviously didn't take although I do believe if I had that would have compounded the problem. The loan which started at £250 has ballooned despite payments of £93 initially, my payments then started being rejected by CFO and returned to my bank. I certainly think its irresponsible lending on their part and put in my complaint. I've had their final response back saying that as a goodwill gesture they will reduce my balance to just over £400 and that my complaint is out of time for the FOS and they don't give me permission to take my complaint to the FOS. I've obviously rejected their offer, I believe at the least the should reduce it to the original loan of £250 minus what i've paid plus compensation for the unsympathetic and frankly appalling way they treated me when I told them I was in financial difficulties also they should remove the default. In an ideal world i'd say wipe the balance but I don't see them or FOS agreeing to that so I need to be fair. I've kept a good paper trail of all emails from them except the Resolve texts and emails as I've got a new phone since then and must have deleted the resolve email Is this the end of the line for my complaint or can I go to FOS?

Ok, CFO lending have just responded to my complaint and said they basically agree they lent to me irresponsibly and were too harsh with collections. They have offered to half my balance from 2k to 1k - removing interest. Now they were my worst lender, I rolled over loans with them non stop for months, years. They lent to me even with a DRO. They did no checks at all and were horrificly harrassful. I paid them zillions in interest and charges, and then they offered me CFO resolve, MORE credit after a year of defaulting which TRIPLED my balance with them. I think I should take to the ombudsman, but could I expect a better outcome? Personally I think the loan should be wiped completely plus compensation. I mean my loans went like this: 200 - 250 - 450 - 550 - 750 - 900 with MULTIPLE months of rollovers in between. Whats your opinion?

I received a text message today from CFO, which said they had contacted my employers regarding a debt with them. I was furious and called them straight away, what happened next beggers belief.. I spoke with an advisor and said I did not want any calls to my employer and to contact me by mail only, he said " we will continue to call your employer until you pay us what you owe us, no matter how many requests you put in. I will call them ten times tomorrow " and then hung up on me, furious I called back, spoke to another advisor who said that I could contact OFT with a complaint but that didn't alter the fact I was a thief as I had not paid all money back " surely it cannot be legal to speak to people like that irrelevant if you have outstanding debts or not ???

Hi, I'm new to this so hope it's directed to the correct place. I have had a Guarantor Loan for 6 months with CFO Lending but due to unforeseen circumstances, I have now gone into a DMP with Step Change. I contacted CFO by various methods to explain the situation and asked them to remove the CPA. My bank have since re-deposited 2 payments that they have tried to take. I took a call from them early in August and explained my situation and explained that Step Change as informed me that if I could pay the difference between the DMP payment and my normal payment, out of my budget, then this should be enough for them not to try to get the money through my Guarantor. They said that there had been no communication from Step Change and the interest on my account was accruing. I contacted Step Change who said they had contacted them and they also sent me a breakdown of payments to my creditors, which CFO were included. Today CFO have contacted my Guarantor and along with informing her that I am now 2 payments overdue, Have also disclosed that I have entered into a DMP!!! This as made me feel sick to the stomach and I could not bring myself to contact them with my anger. Can they do this, or this abuse of my personal data? Any help would be gladly received as I need to call them back at some point. Thanks, D.

Who can I report this text message to? Received this (word for word with the mistakes in the message at the end) We failed to contact you on residential numbers provided. We have no alternative but to call you on work numbers provided to,call 02080451382 to discuss No way do I want them to contact my work number and I think this message is designed to be intimidating :mad2:

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.

I am currently struggling with CFO, I got into a mess a while back and have gone through step change for advice. The only problem I have had is with CFO who just don't want to listen I have been making payments by standing order regardless but they keep saying I have made no contact which I have. I am in the process of drafting a complaint to them as the other day one of their staff informed me that even though I have moved banks they can track down my new account and take money! This would be fraud and is incorrect but the main problem I have had is actually getting them to state how much I owe I have emails with an amount which appears to be the initial loan and one month interest but then one which is over 500 more! Both state they are the outstanding balance. Just loosing the will to live with them at the moment I have asked them not to call and to communicate in writing but they have now starting ringing my work. I would be more than happy to speak to them if their staff were not so aggressive and attempt to intimidate you. Any advice on how to go forward would be appreciated and who else should I send the complaint to other than the FOS. Thanks in advance.

Hello I took out a loan with CFO years ago but had problems paying them back. After a while, they stopped trying to take payments but, a year ago after quite some time, they decided to take money from me again of £120. Ive had nothing taken from them since till 2 days ago where they took £32. and this morning they took £86 and £28 and tried to take a further £72 but the £72 failed as I didn't have enough money left for them to take Just called the bank. I asked about a charge back but the person I was speaking about, kinda ignored my question and she said that, they will write to CFO and ask them to stop further payments. As I told her, I never authorized the payments. She will also send me a letter and I have to fill it in and they will investigate the £32 but I have to wait till next week before I can ask them to investigate the £86 and £28 and AGAIN, they will send me letters to fill in She then told me to also speak to CFO, I told her, I can not find a website for them. She then said she has a phone number for them and put me through to them. However, the girl who answered the phone said "good morning loan bob or good morning loan boob" i just said oh sorry and hanged up I read on here that, the bank can do an instant charge back, so why do i have to wait to get letters through my door before i can start appealing the amounts? Thanks

Hi, I recently contacted CFO Lending with regard to a total outstanding debt of £800 that i am struggling to repay. They have offered to let me pay the debt off over a period of four months which initailly i was pleased with. However these payments are still too high for me to afford and I think there may be a way for me to dispute these high payments? Does anyone have any experience of dealing with CFO Lending or any other options available to me? I am prepared to pay off the debt but only at comfortable payments that i can afford. Any help is much appreciated. Thank you!

Yes ladies and gents, it's our good friends at minicredit again! Stupidly, I have 5 PDL's, and have managed to get an agreement for a repayment plan on Txtloan's and 1monthloan's so far. Sent several emails to CF1 and WDA, WDA want my last month's bank statement.. rather not.. Anyway, to the point. I borrowed "£100" from them (turned out to be £80.50.. sound familiar), rolled it over twice at a cost of £34 a time plus a ridiculous £5.50 fee until my card was blocked by my bank as these people have been trying to raid my account daily. They whacked £25 on top and the block couldn't be lifted until I could get to a branch on the Monday, which whacked another £55 on top plus 4 attempted payments at £3 a time. All in all, 4 days cost me an extra £92. I offered them a suitable repayment plan which was flat out refused. The balance is now £525 and it's beyond silly. I really can't afford to settle it in 1 swipe, it'd basically cripple me. Just had a bizarre car accident involving a flying brick which destroyed my radiator and air con unit for £540 and when I finally got home I had a bill for £757 from my MOT.. brilliant. What on earth do I do? I've requested all payments made to them (which I believe is £33+£5.50, £33+£5.50 and £35 they helped themselves to, totals £112) but they've not replied to any email I've sent. Phoning them is a waste of time too. Where do I go with this next? TIA

I made the big mistake of taking out a Payday Loan last July for £600 in total from CFO. After repayment difficulty I have received a letter telling me the outstanding balance is now £1700+. How do I get the interest frozen and get a payment plan setup for these people?

Hi i stupidly got a pay day loan with capital finance one sometime ago and could not afford to pay it back after a couple of roll-overs so i cancelled my card which stopped them taking the money Now the number is used to get a code to enter on the contract i have now sold and just received a call from the person telling me a Gemma from capital finance one had called wanting to speak to me and when he asked what it as for she went and told him that it was for a loan etc can they discuss that with him? Also she then went on to tell him that they are going to report me to the fraud department who will take it to the police as i was a fraudster by selling the sim card to him even though the sim was mine. in my opinion that is a very serious allegation I am now at my wits end as i am now very frightened of having the police come after me for fraud etc have i commited fraud by selling my sim i am so worried now and have they broken the data protection act by talking to him about it any help and advice is greatly appreciated many thanks

Hi, long story short on here, i took out a loan with CFO back in September. I realised that i couldn't afford this so set about a repayment plan, eventually sourcing one with them (with much pain!) Since then i have been continually sent various text messages and emails from them. 1. Offering me more money!! 2. Threatening me with phone calls to my office and home (even though i have arranged a plan!) 3. Offering me a CFO Resolve loan/ repayment plan( which obviously i already have) I'm not sure the best course of action here, i'd like to raise this to a higher level as this is incredibly poor from this company If i complain to them direct i'm sure it will fall on deaf ears, any ideas where to go from here? Thanks for everyone's help!

Hi all. I unfortunatly have had some financial problems and as a result I have ended up struggling to pay Capital Finance One. I received the following from them yesterday (as its the first time ive managed to get my email): Now this morning I sent them a polite message stating that Im suffering from hardship atm: They have instantly replied and im quite nervous about it: The door step collections bit is scaring me, I thought that me contacting them to arrange payments etc would help - but looks as if i am wrong - is there anything i can do?

Just got a text from CFO saying that they had taken 20.00 from my account. It has apparently been taken off the balance but a repayment plan is not in please therefore could i call them on their number to get one in place. Ive just checked my account and nothing had come out so just wondered if this is a tacticto get me to call them?

Hi Guys Been a while since I have been on here and I currently have an outstanding loan with CFO which is capital 750 and interest around 270, so totals 1020. I have already been in a loop of paying off and taking it back out again, or rolling over interest - stupidly, I know. I have been scouring the net and indeed this forum for any hint of people getting success with a repayment plan for CFO - is this even possible?? I can afford to split the entire balance into 4 months, I can't afford to make it any shorter term than that. I am considering cancelling the CPA and advising my bank and then telling CFO. Also telling bank that my details are compromised and will ensure they do not allow CFO to take money from my bank. In anyones experience do you think CFO would accept this form of repayment plan - I know some people struggle and have to offer only token payments, so hoping there is a glimmer of hope that this is not going to completely destroy my life. Thanks

Hi All, I am currently on a DMP wuth Stepchange and all but one creditor (CFO) have stopped contacting me. As it stands I owe CFO £512, on my DMP statement 3 payments have cleared and been sent to them. A couple of months into my DMP I recieved a text message from CFO saying "Good Morning, as you have failed to honor your agreement with CFO, all your numbers have been uploaded to be called re arrange a payment" I called them up and explained that I was on a DMP and they told me they had not recieved any literature. I called Stepchange and they sent out another letter. Two days later I received the following text: "Your payment plan has now failed call us on...to avoid further interest" I called them again and told them that I had already spoken to someone. Three weeks later I received this text: "You have left us no alternative but to escalate our collections. You will be called on both your home and work numbers". I contacted stepchange and they told me that all the payments made to CFO had been cleared and received their end but whenever I tell them this they are adamant no payments have been made. Any thoughts on my next plan of action? Thanks S

I had a loan from CFO for £510 in 2012 and due to financial problems I have used a search engine to look for a small payday loan last month. This referred me to CFO Lending so I cancelled the application. My monthly wages went into the bank today and CFO Lending have taken 14 payments as follows; 1 x £510 1 x £249.90 7 x £42.84 5 x £46.41 Total = £1291.83 I never gave CFO Lending the bank details for this account but after a number of calls to Lloyds Bank (my bank) and being advised to call them was told they took the bank card details from this new application (which I did not make to them and did tick do not pass on my details). 1. CFO Lending have refused to refund any part of the monies taken without authorisation. 2. The bank are saying they cannot do anything until the funds have cleared next week (they are currently lodged for and pending) This means I have lost a day off work trying to sort this, we cannot pay any bills and have no food money this month. Anyone come across this and is there anything else I can do. Called bank, trading standards and FCA (got cut off from FCA though)

does cfo regularly report to the main cra`s