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    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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      • 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
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Capital Finance One SHARKS!!!!!!!!!!!!!!!!!!! !


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Has anyone had dealings with capital finance one? They are a complete shark of a company, I originally applied for a Payday loan with them, then cancelled it within a couple of days!! Basically they took the interest that would have been due on the loan from my account, without my authorisiation!!! Now if they had just refunded it, their wouldn't really be a big issue! But they are rude, full of rubbish about one thing or another, and don't answer the phone, at all. Or respond to e-mails, if..(and I use the word IF carefully) they do answer the phone, they just feed you nonsense about this that or the other. They are a very small outfit, maybe 5 or so people working there. You no this because its only ever 1 person that answers the phone!! But I have been gathering a case against them, to take to the FSA! I know this might seem petty, but I will NOT be taken for a MUG!!!! So I have also reported them to the police, and emailed them this below letter :

 

************************************************** **

Well done!!! after repeatedly ignoring my e-mails and refusing to answer the phone, I have now taken the matter of you taking money from my card without my consent into my own hands and 32 other people, (so far) and coming up with a load of !!!!!!!! about refunding it.

I have now gathered a group of people who have all been messed around by you, namely you taking money from peoples account without authorization etc... which is fraud and theft!! Which I have done through an internet forum. I have taken the names, numbers and testaments, and have taken the case directly to the FSA, Trading standards and I suppose the best in my opinion! I have reported you for theft, and fraud to the police, as the other agencies are notorious for delaying processes with "white tape"

I have already given my statement to the police, and then I presume they will take the matter further with your local police, as I am up the other end of the country, although I know your area very well. I have also set up multiple web forums to encourage anyone who has been messed around by you to go to the FSA, contact me, and anyone who has had money taken without their consent to go to the police!!! In the past 2 days, 3 people have said they will go to the police with fraud / defraud & theft allegations!! I have given them the number of a DI, that I have been given who deals with financial crimes, and based in London, if your reading this Barry, you are the name they have as I have never spoken to anyone else at your offices, and really very much doubt their are any more than maybe 5 of you there anyway!!

You are also breaking the law, as it is impossible to view the T's & C's through your website, and I and many other people cannot do this either. Don;t worry Ive highlighted

 

All this because you wouldn't refund my £31 ????? In case your wondering its ****** *** from Oldham, and i'm personally going to make sure that you either cease to operate as a business, or you give people their money back!!!

 

You can't run a business! You couldn't even run a public toilet!!

 

**************************************************

 

I just want to know peoples experiences with this company, and also want to warn people not to deal with them!! If possible! I know its tempting to get a payday loan! But if you value your bank account and the little money in it! then don't use these or they will drain it randomly!!!

 

oricle

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Ive put many a post up about this outfit. They are the worst of the worst and reading your thread reminded me of how hard it was to get a straight answer from this company or even contact when i was at my lowest point. It was time someone took a stand and I hope you keep us updated on the progress.

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  • 1 year later...
no intention of ever using them at all Im stgill gathering evidence for the other sharks Wonga cant get a penny from me now as changed bank account

Did you change bank as well or just the account?

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