Jump to content


  • Tweets

  • Posts

    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
  • 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 
      • 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 3951 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

They're going to have to prove it - otherwise they have fraudulently obtained your card details. Have you given your new card details to any other company at all ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

That's what i thought. I spoke to the fraud team at the bank, they advised me that if you make a payment arrangement with a company and agree for the payments to be taken from your card. If the card is cancelled, the debt is transferred to any new card you get. they don't seem to care how the company obtained your details, as they have the right to take the money.

 

I have asked capital to send me proof of the new payday loan agreements that i have filled out with them and they wouldn't. nor would they send me a copy of my agreement

Link to post
Share on other sites

and what proof has been sent to the bank that you have an agreement to pay CFO ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

I signed an online agreement with them. Giving them permission to debit my account. It also state thay have the right to use any card details provided to them (so they say). Nothing has been given to the bank as payments are taken via debit card.

Link to post
Share on other sites

What I mean is, if the bank are saying you have an agreement to pay them - how do they know that? what proof have they got ? are CFO telling them that ?

 

Also, CFO say they can use any card details you have given them - but you didn't give them your new card details.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

I signed an online agreement with cfo, I have had this out with the bank and they said there is nothing they can do. I have told them i didn't give the company my new card detail and again they said there isn't anything they can do because i agreed for them to take money from my old card.

 

I also said to the bank that cfo should not be allowed to take money from me while i am disputing the amount owed.

Link to post
Share on other sites

What I'm trying to get at is - how do the bank know you gave permission for CFO to take money from your card? If the bank have not seen an agreement between you and CFO, how do they know ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

They don't but they won't dispute a company that you have had legitimate dealings with (their words). They advise you to contact the company and sort it out with them.

I spoke to the disputes team and basically, I told them I gave permission for this company to take money from my old card. So according to the bank, i gave them permission to use this card as there is a debt owed

Link to post
Share on other sites

OK, now we're getting somewhere - if you told the bank that you'd given them permission for the old card to be used for payment, then I suppose I can see where they're coming from, but it's still not right. Did you report your card lost or stolen, or did you just ask for it to be cancelled.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

In this case you need to be communicating in writing - try stay of the telephone

Their an outfit under many names

 

[email protected] - CEO . Chief Exec of the company

[email protected] - Operations Manager

STAY AWAY FROM

www.paycfo.com

because as you know they don't do plans and this just obtains card details

 

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

DMA - Debt Management Arrangement - have I got that right? you really don't have to go through a third party if this is what their implying

Body of their agreement/contract CFO use, used to be displayed on their website.

 

I've dealt with this company at great length in the past, I guess nothing with them should really surprise or shock me!

but I would get complaining - in writing to the above contacts as they hold senior positions

 

Then maybe try the BCCA - British Cheque & Credit Association see www.bcca.co.uk

Tel 01244 505 904

 

Now they will be able to deal with CFO for you providing you've made a complaint and they will get a balance breakdown and maybe look into the problem for you - that I do know !!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

Did you update 247 loanline with your new card details ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

My outstanding Loan to CFO, has apparently been passed to Carter Legal as I have been getting e-mails from them the past few days. The link on their e-mails doesn't actually take you to their website, which makes me feel uneasy right away. Anybody had dealings/heard of carter Legal? Are they normally this cowboy outfits DMC? Any help would be appreciated.

 

BTW they are claiming I owe £700 odd for £150 loan, they gave me a giggle if nothing else. I suspect this lot are possibly upsatirs in CFO's offices.

Link to post
Share on other sites

When I was dealing with this crew they used to quote Daniels Silverman - opps I'd better edit that 'their top legal recovery specialist'

maybe they have downgradded! lol

 

There is loads of postings elsewhere too about people getting these not nice calls :-( I fear they have a new approach

 

Ohhh, like Pammy50, 247 loanline approached me today...wonder how they got my details...

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

Link to post
Share on other sites

Sillygirl, I have replied to the e-mail & offered £capital + £1months interest over 6 mths. Just got a reply with their bank details to set up standing order, however they have not said in the communication that capital + 1 mths interest is fine to clear the debt. Would I need to e-mail back for clarification on this or simply pay the amount that I agree & ignore them after that has been repaid? ie capital + 1 mths interest.

Link to post
Share on other sites

  • 1 month later...

they just stole 700 pounds from my partners account in small transactions in the middle of the night. they stole her bank details. when we rang them they smuggly said hey they can do that. xmas eve steeling your last pennys. hey they left us 6p so all not lost. i will not stop till i have my revenge.

Link to post
Share on other sites

How on earth did they get your partners bank details ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...