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Capital Finance One - Help please!


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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.

 

Good luck with that, Lumpfish - I've never heard of a non-fraudulent dispute form in all the time I was having my nightmare with payday loans, so perhaps banks are wising up to transactions of this type? I really hope so, and I really hope you get your money back. :)

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Wow that's excellent! Well done!

 

I'm with Halifax too so fingers crossed. I went in on Thursday and completed the form. They told me it doesn't normally take long to get the funds back once they challenge the company in question.

 

Another update is that I've emailed the Finacial Ombudsman to ask what I should do in regard to making a formal complaint and seeking compensation etc etc. If anyone has got any good advice about that I'd be most grateful. I just don't think that this company should be able to get off scot free for basically nicking £325 off me and for all the stress they've caused me and my family.

 

As always I'll keep this thread up to date when there's any news.

 

:)

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Hi All

 

Another update and its good news!

 

A nice chap from the halifax called me yesterday to ask for a copy of the trail of email correspondence I have between me and Cap Fin One. He said that as they have promised me a refund in these emails more than once, a refund will be straightforward. So I sent the information to him and got another call back this morning to say that the proof is all fine and a refund will automatically go back into my account on the 1st of October. This is because they have to allow 30 days from when the company promised me the refund (which was 1st of Sept).

 

So after weeks of stress and mither its finally sorted! I hope this helps out anyone else who has had the same problem.

 

Also thanks so much to everyone who has given me support and advice on this forum.

 

I'll update again once I finally get my dosh back. I'll also keep everyone up to date about the complaint I'm going to try to lodge with the Ombudsman (they haven't got back to me with what to do yet).

 

:D

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I have just had a very intresting chat with the Financial Ombudsman . They have taken my complaint and are dealing with it. However capital finance have 8 weeks in which to reply until the next xtage can be taken up. At the 8 week stage if there has been no joy then the matter could (and will be if i have anything to say about it) be looked at as fraud.

 

I really suggest that everyone does this. Its got to the point now here my emails are being bounced back.

 

Normally i wouldnt get so worked up over something like this but i have been made redundant and every penny counts right now.

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That's brilliant, Muggle, you go for it. I'm going to do the same as well. If everyone gets stuck into them then they won't get away with ripping off any more people.

 

I've only corresponded with them by email. The addresses I've used are:

[email protected]

or

[email protected]

 

and then there was a specific guy...

[email protected]

(I have no idea who he is in the organisation - he never said even though I asked what his title/position was)

 

Good Luck!

 

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I will keep everyone updated as to whats happening i can this being a long drawn out issue. But im like a dog with a baone. Im so sure if the shoe was on the other foot and i owed them i wouldnt hear the end of it.

 

Also next time i speak to the fo i will ask if they can tell me how many complaints have been filed against them.

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I just emailed

 

[email protected]

 

And 5 minutes late I recieved a call from him asking about money I owe them. I actually don't owe them anything and in fact are trying to get money back which they took from my account.

 

By the sounds of it he is the only one at the office and he rang from a witheld number.

 

I asked what is happening with the company ie website down and no one answering the phone and he said it was because they are very busy.

 

I think it is just this guy working on his own.

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  • 3 weeks later...

Hello Everyone

 

Quick update and its all good news. I got my money returned to me by the Halifax last week. What a relief!!! They told me that they are going to provide information to the police about this company as they can see that they were attempting to get all different amounts from my account and it was only that there wasn't enough money most of the time that they didn't get it!!

 

I hope all this helps someone else. If anyone is in the same boat I wouldn't even bother trying to get them to pay you back as they will just continually fob you off. I would recommend going straight to your bank about it.

 

I haven't heard anything back from the Ombudsman about how to make a proper complaint about them - does anyone else know what to do. I'm determined to make sure they don't get away with treating people like this.

 

Thanks again for everyone who gave me advice through this!!

 

Kathy :)

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Hello Everyone

 

Quick update and its all good news. I got my money returned to me by the Halifax last week. What a relief!!! They told me that they are going to provide information to the police about this company as they can see that they were attempting to get all different amounts from my account and it was only that there wasn't enough money most of the time that they didn't get it!!

 

I hope all this helps someone else. If anyone is in the same boat I wouldn't even bother trying to get them to pay you back as they will just continually fob you off. I would recommend going straight to your bank about it.

 

I haven't heard anything back from the Ombudsman about how to make a proper complaint about them - does anyone else know what to do. I'm determined to make sure they don't get away with treating people like this.

 

Thanks again for everyone who gave me advice through this!!

 

Kathy :)

 

Well done Lumpfish. Hopefully this will be good advice to anyone reading who has had similar problems. I'd be very interested to hear if you actually have any contact from the local constabulary. :D

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  • 1 month later...
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

How did you cancell the loan, I have done this via email but should I ring too x

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  • 2 months later...
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