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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
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[EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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lily-P

Capital Finance One - Help please!

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Hi,

 

I got accepted for a payday loan of £100 on Tuesday with this outfit.

 

I phoned up to confirm the loan with some guy who was so rude and miserible that if i wasent desperate i would have just told him to stick it and shove his money up his ****.

 

They said the money would get put into the account same day and would take 24 hours to clear.This was Tuesday and still nothing!

 

I have been stung havent i , do these companies wait until payday and clear your bank out and you havent got a leg to stand on?

 

am worried sick and kicking myself for making such a stupid mistake.

 

has anyone had dealings with this compine and if so have you had problems.

 

thanks in advance

 

Lil

Edited by lily-P
spelling

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Hi Lil - these companies are no saints but I have yet to see them clear an account when they have not provided funds. You could always 'lose' your card and get it replaced. Hope you can get by without one of these loans because unless you treat as a one off you get sucked in deeper.

 

Good luck

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Forgot to say welcome to CAG

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Thanks for that!

 

So if i have been accepted do you think that the funds will eventually appear?

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Hi Lil - very unlikely that you will receive funds now. These companies usually want the cash in your account asap,before you change your mind.

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Hi Lil - very unlikely that you will receive funds now. These companies usually want the cash in your account asap,before you change your mind.

 

 

Ok,

 

So if i have been accepted and the guy said that they have been put into the account why have they not?

 

they have all my details and i have a agreement . do you think they will take out the money i never got on payday?

 

sorry to be a pain its just i am very worried

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I'd give them a call. If you've signed (or ticked a box on) an agreement they should have transferred the funds - the problem could be their end or with your bank.

 

(I should say I have used this company in the past and found them fine and not unscrupulous as long as you pay them back on time - although I probably wouldn't use them again due to the high interest rate they charge)

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Lil

 

These companies are a law into themselves and what they will do is not an exact science. By all means call them again. I suspect they have found a reason to decline you and have not had the manners to tell you.

 

You can of course cancel your card if them taking the cash causes you acute problems, whilst you would probably get it back it may take some time.

 

You have had a taste of their customer service, imagine their approach if you have difficulties paying

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Thanks for taking the time to answer my questions

 

Fell alot better now!!!

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just had a e-mail to say there systems have had problems and if i want to cancell it i just need to call.

 

Thanks god.

 

Luckey for me aswell is that my debit card expires and of month so i have just got my new one so hopefully they wont be able to take money out anyway.

 

phrrw!

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Hi Lil

 

Glad you seem to have it sorted abd without the need for their loan :)

 

Cancelling (losing/stolen) a card rather than allowing to expire would seem to be the best way of ensuring transactions don't go through, however in your situation where you have not had the loan you should be OK.

 

Just keep an eye on your bank.

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Hi Lil

 

Glad you seem to have it sorted abd without the need for their loan :)

 

Cancelling (losing/stolen) a card rather than allowing to expire would seem to be the best way of ensuring transactions don't go through, however in your situation where you have not had the loan you should be OK.

 

Just keep an eye on your bank.

 

 

Will do.

 

Again thank you everyone for there help

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I hate to give you some bad news but here goes..

 

I applied with these people on the 11th August and was accepted, signed the agreement and everything was set. I waited 3 days for the money to be deposited. I called them a few times and was told that they were having banking issues and the money should be with me by the end of the following week. They use BACS so the money would never be in the account on the same day, so this is a lie, i asked and was told BACS was the only payment option they have.

 

I called on Wednesday last week to ask where the money was and was told that the money should be in by the end of the week. I didnt realise that i was also due to repay my loan on payday which was Friday last week.

 

I figured since i hadn't got the money from them i'd be fine. However, it has come to my attention that they have taken money from my account, even though i've never recieved the money from them!

 

They have taken two payments from my account, one for £175 and one for £52. There have also been other payments but they were declined because there wasn't any more money left in the account. Since i transferred the money out of my account into my savings account. I have asked my bank to treat these payments as fraudulent and have started the process of reclaiming this money.

 

Now that its bank holiday I can't call them until Tuesday.

 

I'm soo peeved off, this is a joke.

 

Thanks,

 

Michael

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Welcome to CAG michael.

 

This seems to be a recurring theme with these cowboys. They won't be trading for long but no consolation to you. Hopefully your bank will do the right thing.

 

Good luck

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This company is a joke! I took out a loan with them but cancelled within the 14 day cooling off period as the money had still not cleared after a week.

 

Fortunately they haven't taken anything from my bank but this is probably only due to the fact that I cancelled the loan.

 

I hope you get your money back from the bank Michael, I really do. If I can be of any help please don't hesitate to contact me.

 

Katpuss


:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Thanks, Katpuss.

 

I've signed the forms that i recieved from my bank just waiting to see what happens, does anyone know what the likely outcome is? I've got a baby due in 5 weeks, i could use the money back!

 

I've tried emailing the company numerous times and calling them but no reply.

 

 

Thanks,

 

Michael

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I've recieved an email from Capital Finance One this morning. In desperation (broken car!) I took a loan with them a few months ago and paid it back but haven't used them since, and now they've contacted me as a 'valued customer' to tell me they are 'back' and that the system problems they were having are 'solved' and that if I want another loan I only have to ask. Frankly I won't be using them again unless I absolutely have to, but it sounds like there's someone in the office right now if anyone with an issue wants to give em a call...

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Ooh.. May have goten somewhere.. I did a whois on the domain name (Whois Search - Domain name whois) and called the number for the domain contact (0208 number) and spoke to a lady who said they were a different legal entitiy to them but she would try and get hold of somebody to call me back.

 

Fingers crossed!

 

 

-Michael

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It seems to have worked, although I'm not holding my breath. I've been contacted by a "manager" who assures me this was a mistake and that i would recieve my money back within 48 hours.

 

We'll see!

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Hi There All

 

This is my first post but had to comment as I too am having dramas with Capital Finance One.

 

I had a payday loan with them back in June which I paid back in full. Seemed really easy and straightforward.

 

Since then I applied for another but got declined and thought nothing more of it until the Friday just before the bank holiday just gone when they took £325 out of my account for no reason!!!!!!

 

I'm currently doing my best to get this back. I too have been assured that my refund is being processed and it can take up to 48hrs. They wanted to see my bank statement to prove I hadn't had the loan as from their end they insisted I'd had it.

 

I've done all my dealings with them by email. Should this help? At least I've got something in writing, right? Is there anyone out there who has successfully got a refund from them?

 

They said on Tuesday that the accounts team " are in the process of making the return payment but have not given a time frame". I've kept pestering by email to see if I can get them to actually say that its been processed and exactly when but they haven't given me this info.

 

If what they say is correct then I should be getting funds today or tomorrow so I'll post again with any progress. I have to say that sadly I'm not holding my breath and I'm getting really stressed out about the whole thing.

 

Any guidance or shared experiences would be most appreciated.

 

Oh, forgot to say that I've opened a new account to get my wages paid into so that they can't clean me out again!!!

 

I would recommend this to anyone else who has recently had a loan declined or maybe even if you haven't received your money - if you've got internet banking you can open a quick savings account online (that's what I did) and you've got a sort code account number straight away to give to your employer. I wouldn't leave anything to chance with this company.

 

Look forward to anyone's comments on this.

 

Ta very much!

 

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Update - still no refund - three days have gone past. I've had a response to my chasing up email saying that my refund has been processed but no specifics again.:(

 

Meaton - have you had your refund???

 

Does anyone have any advice on who I can complain to about this. Is it OFT? I'm not sure where to start and I've got a feeling that I'm just being fobbed off.

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Hi lumpfish

 

I would ask to speak your banks fraud department and ask for the money to be refunded.

 

This company are the joke amongst payday loan companies!

 

Never mind they will go bust soon!

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I think you're right, Robjam, about them being about to go bust.

 

I chased up my refund by email (again) and got a reply to say that there was a 'problem with the system' and so they are having to process the refund again????? I still haven't been given any reference or specifics or details of anyone I can speak to in accounts despite asking for it more than once.

 

I've taken your advice and spoken to my bank about this and they are going to investigate it as fraud.

 

I'll keep this thread up to date about what happens.

 

Thanks for your help :)

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Lumpfish - any update on this? Would be interested to know if you've had any joy with them.

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Well there's definitely still been no refund but I wasn't exactly convinced of their sincerity about that!

 

I got a call back from the bank today and although they can't treat it as fraud (because I did actually give them my details albeit for a completely different agreement) they have asked me to go in to a branch and complete a 'non fraudulent dispute form'. I'm also going to give them copies of the emails I have from Cap Fin One admitting that they shouldn't have taken the money and then the bank takes it up with them to get me my refund.

 

Fingers crossed!

 

I'm going in to the bank on Thursday to do the form so I'll keep everyone up to date on progress.

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