Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Like
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Capital Finance One/Payday Credit - Anyone else used them? -


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3985 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 364
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

This made me laugh on there site

 

We endeavor to provide you with the best possible service until your Payday which is when you repay your loan

 

so they are saying they will give you good service when they give you the loan but you come to pay it back or have problems paying back you can go take a hike lol must be another one of there system errors causing the errors on the website too lol

Link to post
Share on other sites

I was only pointing out another error on there part :rolleyes:

 

Also i can see you have only posted 4 times and all about capital finance one and all praise for them, i myself have had a loan from these jokers and was promised that my rollover had all been arranged and i also got the good old there was a system error and it should not of taken all of the loan but while your on the phone do you want another loan.

 

Either you were very very lucky and everything went smooth for you or your an employee or somehow related to the company

Edited by mightyroyals
Link to post
Share on other sites

I can only draw from my experiences.May be I am the lucky one !!!

People put bad comments on here about them and I just want other people to know that not everybody has had a bad experience with them.

Give them some slack !!!

Sorry I like the company,based on my time using them,but as to working for them and getting slated on this forum, no ta !!!

 

 

Fair comment then didn't mean to sound harsh to you

Link to post
Share on other sites

  • 3 weeks later...

Just thought I would tell you about my experience. Apalling customer service, 5 emails unanswered, countless phone calls unanswered. When I finally got through had my loan application accepted and told my loan would be in my account within 48 hours. 48hrs came and went and no money. Finally got through after ringing for over 2-3 hours and was told that I hadnt been accepted after all and that someone should have emailed me! Just a warning to others as I did need the money to pay for an unexpected bill there are 2 or 3 other companies that are much much better so always try and shop around. I certainly would NOT recommend this one! :Cry::cry:

Link to post
Share on other sites

This company are a joke thhave less than 2 weeks left to ansmer the letter sent by the finanical ombudsman on my behalf. As stated in another thrad durring thier so call system problems i applied for a loan which i never got. But they still took repayment of it.

 

Watch this space because i will taking them to small claims if no reply is had in said 2 weeks.

Link to post
Share on other sites

This company are a joke thhave less than 2 weeks left to ansmer the letter sent by the finanical ombudsman on my behalf. As stated in another thrad durring thier so call system problems i applied for a loan which i never got. But they still took repayment of it.

 

Watch this space because i will taking them to small claims if no reply is had in said 2 weeks.

 

I can't believe you still haven't got that back. :mad:

 

Don't you think it might be worth sending them a letter telling them you will start court action if your money isn't refunded? Might jog their memories a bit for you.

 

I assure you if you owed them money, that's what they'd do to you....

Link to post
Share on other sites

This company has been taking money from my account. I originally borrowed £100 and so far they have taken over £300 in relatively small amounts.

 

Please beware as what they do is send you an offer of a payday loan from a 'fake' lender to get your new debit card details.!!!!

Link to post
Share on other sites

after looking further on my statements also have amounts for James keeble loans also.

 

It is fraud and im going through my bank.

 

If you do a web search on James Keeble Loans, you will see that there are (or were, I haven't looked recently) numerous people on Yahoo answers and other sites complaining that a company called James Keeble Loans, who they had never heard of, had removed money from their account.

 

There is also a thread on here somewhere regarding this company (JKL) - companies house had something called a "striking off" notice recorded against them, but I've never been able to fully clarify what all of that was about.

 

Good luck - you certainly aren't the first person to have problems with them, and it may be worth going through these forums and teaming up with other people who are still having issues to make a compaint to the police. Or Watchdog - I'm sure they'd appreciate that. ;)

Link to post
Share on other sites

  • 1 month later...

I agreed with this company to make monthly payments of £88 over 3 months until my loan was repaid. On payday I noticed that £88 had been taken, which was fine, however there were eight other card withdrawals for the total amount of the loan. Rang company to be told would reimburse DDR of £88 but not card payments!! - Got £88 back over a week later. To my amazement this month DDR hadn't been cancelled by them as confirmed and another £88 taken out - now have to wait again for JAMES KEEBLE to reimburse from his own account. I have complained to Financial Ombudsman and Office of Fair Trading - I would urge everyone who has had money taken from their accounts by this company to do the same - I am usually not a person who loses their temper but this company's attitude, espeically their Accounts Manager who seems to think he is a law unto himself, has me fuming. Please make this company's way of trading known so that other people do not end up in the same position - if I took money from their account without authorisation I presume that would be FRAUD

Link to post
Share on other sites

A breath of bad air more like - Seems their phone is not being answered again today - doesn't a company always man their phones so that they can get business in! I'm still waiting for a refund which I'm assuming, unlike any other payment into account, will take as long as Mr Keble wants. This company is not a professional outfit and I've used a couple of payday companies before who have been efficient and courteous - this lot are a joke and surely the amount of complaints shows them for what they are - how much interest are they making on money taken from their customers accounts, UNAUTHORISED obviously!! - Would it be fraud if I took money from one of their accounts

 

 

i too have had dealings with capital finance one and after having previous problems with other loan companies,found them a breath of fresh air.

i had a loan with them and had to roll it over a couple of times.

i was so impressed with their service that i have taken a few loans out with them.

they are a professional outfit who try to assist in anyway possible.

i think people only complain about them on this forum and lack a sense of praise where due.

Link to post
Share on other sites

Interesting email from Capital Finance One today:

 

CFO COLLECTIONS DEPARTMENT

A new department has been developed within Capital Finance One with one aim in mind, to offer easy and transparent repayment methods for outstanding accounts.

Your account is currently outstanding with Capital Finance One and we would like to assist with the repayment of your loan. We are willing to negotiate a manageable monthly payment plan with you that you can afford and meet on a monthly basis.

We have also setup a scheme whereby we can help assist you with any other Payday Loans which you may have and are struggling to repay. We have experience as a creditor and can deal direct with your other Payday Loan creditors and negotiate reduced repayment arrangements on your behalf. If you require further information on this please do not hesitate to email back or speak to one of our helpful Customer Service Agents.

Our team will be attempting to call you on a regular basis until an arrangement can be made, at which point your details will be withdrawn from our call list as long as the monthly repayment is met.

Once this payment is arranged with us we are also happy to remove all late fees which have accumulated up to this point this means you will only need to repay the original loan and the original interest which was due.

Please note that 100% of the money you pay us will be deducted from the balance.

No fees. No further interest.

Once 50% of your balance is repaid we will also be happy to repair your credit history with us. This simply means that at your request we can pass your information on to our Loan & Credit Card specialists who can help and advise you on other financial facilities.

Please make every effort to contact us at your earliest convenience on the following email address.

[email protected]

We look forward to resolving this with you.

 

What d'you reckon of that, then?:-D

Link to post
Share on other sites

It's still just letters of the alphabet but rearranged in a different manner.

 

"Your account is currently outstanding with Capital Finance One and we would like to assist with the repayment of your loan"

Now if it had continued - we will match any payments you make, that would have been different.

Link to post
Share on other sites

  • 3 weeks later...

Just thought id share my experience with CFO. i took out a £250 loan with them a few months back and had a little trouble paying it back, coudnt get hold of em for love nor money but they kept hassling me via emails and a couple of calls. everytime i tried to contact them i got no reply yet they still sent me letters telling me they were gonna add charges to the account etc etc. One day i was in when they rang my house phone and i set up a payment plan to pay in 2 installments...guess what, they never took the money!! again it took me a good few weeks to get hold of someone which in actual fact they got hold of me as i was getting no response, i told the guy on the phone that i had set up a plan and why wsnt it honoured by hemselves....system failure he told me! anyway i set up another plan to pay em in 2 installments and my 1st payment i made on the 23rd december....so i thought neway! the guy rang me on the 23rd and took my card details and told me the payment was successfull, the money did come out my bank but yesterday CFO put that money back into my account without me realising and i later withdrew money from my account, just checked my online banking tonight and CFO have just taken the money back but it has now left me overdrawn and im not happy, why take my money, put it back and then take it again, makes no sense to me. my final payment is supposed to come out on the 29th jan but after reading through this forum im worried they are gonna take more out after. i dont wanna have to change my bank as ive recently done that. Think watchdog need to get on the case!!

Link to post
Share on other sites

Just a quick word about the debit card payment Dave - I am not defending CFO in any way but this may not be down to them. If they got authorisation on 23rd the money would have been debited from your available bank balance. Usually the payment would then go onto your account within a day or two but with the long Christmas break it might have been delayed resulting in your bank automatically releasing the funds.

 

What the bank will say of course is that it is up to you to know how much money you have and how much you have spent. In the rosy world of having loads of money sloshing about it is probably fair enough but when you have to account for every penny it isn't so easy..

Link to post
Share on other sites

Just thought id share my experience with CFO. i took out a £250 loan with them a few months back and had a little trouble paying it back, coudnt get hold of em for love nor money but they kept hassling me via emails and a couple of calls. everytime i tried to contact them i got no reply yet they still sent me letters telling me they were gonna add charges to the account etc etc. One day i was in when they rang my house phone and i set up a payment plan to pay in 2 installments...guess what, they never took the money!! again it took me a good few weeks to get hold of someone which in actual fact they got hold of me as i was getting no response, i told the guy on the phone that i had set up a plan and why wsnt it honoured by hemselves....system failure he told me! anyway i set up another plan to pay em in 2 installments and my 1st payment i made on the 23rd december....so i thought neway! the guy rang me on the 23rd and took my card details and told me the payment was successfull, the money did come out my bank but yesterday CFO put that money back into my account without me realising and i later withdrew money from my account, just checked my online banking tonight and CFO have just taken the money back but it has now left me overdrawn and im not happy, why take my money, put it back and then take it again, makes no sense to me. my final payment is supposed to come out on the 29th jan but after reading through this forum im worried they are gonna take more out after. i dont wanna have to change my bank as ive recently done that. Think watchdog need to get on the case!!

 

after the 29th Jan payment is taken, you can speak to your bank and ask then to block any payment requests coming from CFO, I think that'll work better than having to change account.

Link to post
Share on other sites

  • 2 weeks later...

Hi Peeps.....

 

Right, everything that people are writing about this group is 90% true. I today (stupidly) applied for a 're-loan' following an email from James Keeble offering me up to £500. I have handed over my bank details, electronically signed their bank agreement etc etc and havent heard a peep. They have removed their phone number from their website and neither of my emails (to the info@ & james keebles direct email) have been answered when requesting updates.

 

I just want to warn people about payday loans....if your thinking about it dont do it. I, successfully teamed up with payday loan companies to work myself into almost 4k worth of debt that I cannot afford, and I am now stuck in the cycle where I have no other alternative to borrow off them to survive and feed myself as I am in financial difficulties and no reputable company will lend to me to consolidate my debt as I am too high risk.

 

The debt collection policies for these companies are not good, I had one company (perfect payday loans) leave an answer machine message threatening to come to my work to humiliate me if I didnt pay up, other companies simply ignoring my attempts to set up payment plans to clear debts so they could continue to increase the interest...for a example what was initially a £250 outstanding amount has grown to over £500, making it more impossible for me to clear my debts.

 

STAY AWAY FROM PAYDAY LOAN COMPANIES..........

Link to post
Share on other sites

Hi Credit Victim and welcome to CAG.

 

Have a good read round this forum and you will see lots of advice on how to deal with these companies.

 

If you haven't already you need to get off the merrygoround of paying the interest each month.

 

Post again if you need any help.

Link to post
Share on other sites

Well low and behold I received an email at 5.37 saying that they were unable to lend to me.....seems funny considering this James Keeble keeps offering me £500 because I am a valued customer. I will be calling my bank today and cancelling my card to make sure the dont take any money from my account. They suspiciously havent even taken the £1 they use to verify your cars which leads me to believe that they only want my bank details!? Hmmmmm.......

Link to post
Share on other sites

I too have dealt with these guys,however I guess I was one of the lucky ones.My loan has been paid back and I have also changed my debit card......I have however received 3 emails this week from James Keeble offering me up to £500 as a valuable customer!!!!!

Lets hope no money is taken from your account as reading previous threads it could be a possiblity.I suggest cancelling your debit card.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...