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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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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

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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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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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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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  • 2 weeks later...

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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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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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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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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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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