Jump to content


  • Tweets

  • Posts

    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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
        • Like
  • Recommended Topics

Capital Finance One (CFO)


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4674 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just a quick question for you guys, I borrowed £100 from CFO which credit my account on the 20th April, since then my payment failed - they helped themselves to £153 from my account over 5 seperate transactions in May, leading me to believe I had now paid off the loan, I received a nasty phone call saying I still owed them the £139 which I told them was rubbish, I then received a further 3 transactions of £25 each taking the total taken to £228 - £89 more than I originally owed them - I've had a text today to say I still owe them another £178 making the total they would have taken from me (if I hadn't cancelled my card) to £406 for a £100!!!! loan. Is it just me or is this wrong for a loan that was provided under 2 months ago?

Link to post
Share on other sites

  • Replies 60
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi , check your agreement , they charge you £25 for the first 5 letters they send to you and also 39% of the original loan if its not paid after a certain period ( stated in agreement ), calculate it and lets see if it stacks up !

Link to post
Share on other sites

I would get a complaint into consmer direct and trading standards about this, i'm having my own battle with them at the moment with fee's and trying to reach a payment plan and so far consumer direct and trading standards have been very interested in the fees and fines this lot add onto accounts

Link to post
Share on other sites

I dont understand how they can have terms and conditions on their website and then state that they arent true. Well if that is the case why the hell are they charging me and others £25 "fines" each day and then adding 39% onto the debt along with the daily interest being added on which is already far too high? i'm at the point now where i almost wish they would take me to court so that i could have my day against them and their shocking tatics and fines. They are a joke and i would advise everyone to avoid them like the plauge

Link to post
Share on other sites

They won't respond to my email now either, their website terms & conditions also state 36%, typo or not. It also says £25 for every letter, I've not received any letters - when I challenged them on that their response was "If you have not received our letters you have received our emails all at a cost" - hang on, £25 per email? I don't think so. Also, I don't know about you guys but they didn't provide me with a copy of my agreement... Despite the fact they've already taken £228 - they still say "We will help you out but you need to pay us the £139 you owe us" - considering a county court only allow us to add 8% interest - I'm pretty sure they'd have something to say £228 interest charges accrued over 2 month... This really is daylight robbery, I've changed my bank account details and now I'm receiving texts stating I owe them £178... What a complete joke!

If You default, our tariff charges are as follows: We will charge You the sum of £25 for missing the agreed payment. We will charge You the sum of £25 per letter for the first, second, third, fourth and fifth letter that we send to you in respect of the collection of any outstanding sums on your account. If You are in arrears for 14 days after the agreed due date, 36% of the original Amount of credit will be applied to the account. You must pay us any reasonable expenses and costs that We may incur in tracing You if You move address without first notifying Us. In addition, You must pay us any reasonable expenses and costs we may incur in taking other steps to enforce, or attempt to enforce, our rights against You under this Agreement, and You will be charged simple interest, both before and after judgment, at the rate set out above from the date payment falls due until payment is made.
I would love to hear from someone who has challenged this company to the very end! I will be happy to deal with their doorstop collectors too, if they get involved them or a county court.
Link to post
Share on other sites

Funny i havent recieved any letters from them either just emails in which they refer to their £25 as "fines" i would love for them to explain to a judge how it costs £25 to send an email if that is their justification, i also believe using the word fines is illegal.I had my first contact of a threating email from Daniels Silverman today, they will be getting a nice worded email back telling them i will not be paying the £712 that they are asking for from a £250 loan and i will be pointing out that since i have disputed the debt with CFO any action to carry on will be in direct Violation of OFT guidelines.I started out my battle against CFO scared and rather meek, lets just say that i am not like that anymore, I have nothing to give them I have no savings no money and if it comes to it my car and my half of the house will all be transferred into my partners name so they cant touch any of that either.Yes i took out the loan and i havent ever refused to pay it back but like hell will i pay back almost triple the loan in charges

Link to post
Share on other sites

  • 3 weeks later...

Hi, I did a bit of research into their "fines" based on the information on the Ts & Cs on their website, the information I found completely contradicted that of the customer service rep that I was emailing. I have had a further email today to tell me I owe them £290. They have already had £228 out of my account for a £100 loan and they still want another £290 - hmm £418 of interest - seems a little high to me, don't you agree?

Link to post
Share on other sites

Yes its way too high , I am having fun with this outfit at the moment and also their DCA daniels silverman , I am building up quite a nice picture of their incompetence , the amount I owe them seems to change all the time , silvermans reckon I owe them £736 , CFO said they dont do payment arrangements , funny that because I recieved an email from CFO today saying they have a new payment site and you can make an arrangement .. anyway am waiting for silvermans next response so will update as soon as info is forthcoming .. remember do not talk to them on the phone ! just offer them the initial amount plus one months interest paid in monthly installments that you can afford

Link to post
Share on other sites

I had my account passed over to daniels silverman and i offered the loan plus one months intrest which they refused .. yesterday i get an email from cfo stating i owe them a lower amount and would i like to use there new online payment plan system ... who do i owe the money to ??

Link to post
Share on other sites

Always try to pay the original company and not their monkeys, the monkeys may not even pass on the full amount to the company and will add on a % just for 'collecting' it, as well as collection fees.

 

Report both parties to Trading Standards and the OFT for misleading practices and not making it clear who actually owns the debt.

Link to post
Share on other sites

hi benfm , I got the same message via email too saying that they have a newsite where you can make a payment or set up a plan . I emailed the guy back and asked him to clarify that they accept payment plans, no response yet surprise surprise , any payments i make to them will be from my account by transfer into their account and not by giving them my card / bank account details else they will probably take what they want . I already have thier account details to make payments just need them to agree my proposal which is the original loan plus one months interest and nothing more ... as for silvermans I wont be paying them anything

Link to post
Share on other sites

Hi, I'm actually about to submit a complaint to the financial ombudsman and the OFT, I urge you all to do the same if you haven't already done so - the more they get complaining about the company and their shoddy practices the more we're likely to get something done about it!

Link to post
Share on other sites

Capital finance one, the biggest thieves of all.

I owe them 360 pounds, which is now 822 (according to them and Daniels Silverman haha ) .

I have set up a standing order payment to them, 36 pounds a month for 10 months. This is what I owe, and its what theyll get.

 

In reality though, I do not need to pay anything if i didnt want to, Daniel Silverman , the fraudsters they use to get their money,in years of business, have never taken anyone to court, they have basically screwed capital finance one over by getting a fee from them in order to recover their debt, which they have no urgency in doing.

Daniel Silverman will send all sorts of FINAL DEMAND, WE ARE COMING OVER. bull**** rhetoric , theyll never act on it. So, the lesson is, pay what you owe and no more, if you want to pay at all.

Link to post
Share on other sites

Hi IN-Trouble They are yet to pass my debt on to this Daniels Silverman but I look forward to their phone call / letters, this company have had enough money out of me and they won't receive a penny, they will have to kill me and pry it from my cold, dead hands. I submitted my complaint to the OFT last night, I've filled in my complaint form for the ombudsman and that will be sent today.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...