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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Capital Finance One - have they disappeared


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  • 2 weeks later...

Help!!! please!!!!

 

I took out £150 from capital finance one in august and since then they have charged me £269 in varying amounts, usually £10, but up to 7 times in a single day!!! they just keep taking money off me and i cant afford it!! i've had to freeze my bank account but the bank are saying as i gave them my details they cant refund my money even if it was taken wrongly, i have to take it up with the company, but they arent answering the phones!! i've emailed that barry guy but so far no reply!!

 

please please help!!

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Help!!! please!!!!

 

I took out £150 from capital finance one in august and since then they have charged me £269 in varying amounts, usually £10, but up to 7 times in a single day!!! they just keep taking money off me and i cant afford it!! i've had to freeze my bank account but the bank are saying as i gave them my details they cant refund my money even if it was taken wrongly, i have to take it up with the company, but they arent answering the phones!! i've emailed that barry guy but so far no reply!!

 

please please help!!

 

 

Surely thats wrong, tell them you want an indemnity claim acted on the money that was taken wrongly.

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Help!!! please!!!!

 

I took out £150 from capital finance one in august and since then they have charged me £269 in varying amounts, usually £10, but up to 7 times in a single day!!! they just keep taking money off me and i cant afford it!! i've had to freeze my bank account but the bank are saying as i gave them my details they cant refund my money even if it was taken wrongly, i have to take it up with the company, but they arent answering the phones!! i've emailed that barry guy but so far no reply!!

 

please please help!!

 

Hi Moonwillow. Try not to panic, there are lots of people who can help you here and a couple who have been successful in reclaiming money taken from their bank. Take a look through the other CapitalFinanceOne threads on here and you'll find out how they did it.

 

Just a couple of questions so we can help you a bit more:

 

1. Did you repay the loan in full at the end of August, or were you unable to pay?

 

2. What did they tell you that you would be expected to repay in your credit agreement (they should have emailed this to you)?

 

3. Do you have any other payday loans?

 

I'm not prying, just trying to find out what situation you are in so you can be given the best advice.

 

Chin up, you will get it sorted out - you just might have to work at it a bit. ;)

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Hi,

 

I've managed to get a hold of them. Apparently what happened was they went to take the payment from the wrong account which didnt have the funds available. I did actually call twice, once to confirm the account the payment was coming out of and again when it didnt come out of there. because all of the funds weren't there, they've been reapplying all over the place for whatever they can get hold of. I originally owed them £195, but now they've taken £269. There is a very nice lady who is looking into this now for me, I've got my debit card cancelled so that can't take any more from it and they're emailing me some details later apparently.

 

Some way to getting this sorted I hope

 

thanks xx

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Hi,

 

I've managed to get a hold of them. Apparently what happened was they went to take the payment from the wrong account which didnt have the funds available. I did actually call twice, once to confirm the account the payment was coming out of and again when it didnt come out of there. because all of the funds weren't there, they've been reapplying all over the place for whatever they can get hold of. I originally owed them £195, but now they've taken £269. There is a very nice lady who is looking into this now for me, I've got my debit card cancelled so that can't take any more from it and they're emailing me some details later apparently.

 

Some way to getting this sorted I hope

 

thanks xx

 

Is the "very nice lady" from your bank or CFO?

 

I would still go through the threads here so you get an idea of what to expect - some people are still waiting for refunds via CFO from some time ago.

 

All the best.

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  • 1 year later...

That poster must be a one off because my experience certainly wasn't like that.

 

CFO have been that terribke tio deal with that i have had to make a compliant to FOS to try andf get them to co-operate. They do not follow OFT guidelines and refuse to respond to my complaints. Both OFT and I have been waiting nearly 4 months for their final replay to my complaint and they just keep sending the same letter but add additional charges to each one they send.

 

If CFO are an example of great customer service what in the world is classes as bad customer service. As far as i am concerned CFO are about the worst company i have ever dealt with. I wish I had never heafrd of them let alone use them

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It's funny how he feels the need to dredge up an 18mth old thread......

 

We all know how pdls work matey! We ain't thick!!

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Post unapproved-for reasons which are pretty obvious.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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