Jump to content


  • Tweets

  • Posts

    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
  • 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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4709 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

Hi there

 

Long time reader and first time poster. Always interested to find out peoples stories and how they sorted themselves out!

 

Anyway, I have a lot of payday loans and decided recently that enough was enough. Most have been ok in terms of waiting for payment (a month in some cases) or setting up payment plans except Capital Finance One.

 

I couldn't even make the rollover payment at the end of June and explained to the customer service rep at the time my circumstances at present but I would be able to make a payment at the end of July of some of the balance plus the rollover fee - so the balance slowly decreased.

 

Since that conversation I have received numerous emails escalating the loan from £928.50 (with interest) to now £1232.

 

I have sent 18 emails - to the various different addresses e.g customer service, info, collections and even nicola.chapman but have had NO reply and also whenever I call the collections number (9 times so far this month) there has been no response.

 

Now the email today says my file has been passed to their external debt recovery agency as I have made no communication and no attempt to pay back the loan - which I realise is automatically sent via email.

 

I will be in a position to pay off some of the loan plus the rollover payment at the end of the month but I'm just a bit worried at the minute!

 

A little help please?

Link to post
Share on other sites

Hi casper, unfortunately CFO at this moment are the most ruthless company when it comes to charges, they took £228 from me for a £100 loan then told me that I still owe £372 - £500 interest for a £100 loan! Your best option is to keep putting offers in to them, they will likely refuse but that doesn't matter - if they continue to rack up the fee's put a complaint in with the Financial Ombudsman, my case is currently being investigated by them and I think they will be interested to see how many people have the same problem. If they've passed it to their DCA, you will soon receive an email or a letter from Daniels Silverman giving you 7 days to pay the full balance or you will be taken to court - don't give in to the threats and make it known you will be passing the file to the ombudsman to investigate.

Link to post
Share on other sites

Got a letter from daniel silverman, their agent was meant to be coming to see today, 12 minutes ago , to discuss my debt.

Ive worn my best tie, made tea, even bought cookies , im sure hes just delayed and will get here, im just worried the tea is getting cold.

Anyway, ill let you know what happens.

Link to post
Share on other sites

Bunch of liars, I thought i could trust them, i thought we were mates, they were coming to discuss this very urgent matter, which will land me in court cookoo land, and cost £1000, on a £300 loan (yeh right ) and this was my final chance at redemption.....

 

Half an hour late, not a sign of my new mate agent, not even a phone call, Im sitting here, feeling lonely, unloved, teas got cold, I HATE YOU DANIEL SILVERMAN!!!

Link to post
Share on other sites

I look forward to daniels silvermans next letter explaining why they stood me up like that :) . (maybe ill invoice them for the wasted cup of tea)

I have never seen a bigger bunch of clowns. The sad thing is that some people believe their threats. Someone needs to put the word out that theyr as dodgy as can be, and not to be dealt with under any circumstances.

Link to post
Share on other sites

Maybe they were concerned that you were being too friendly? Maybe they thought you might stand at the door with a 2x4 or something? - In seriousness they are clowns, I've been requesting a copy of my loan agreement for a good while with no response - yet they try enforce me to pay the fees etc ? Don't think so.

Link to post
Share on other sites

Ive done my research on them, in 6 years of business, they have never taken anyone to court, or sent an agent to visit, they get a fee from the customer (capital finance one in this case) inorder to recover debt, but they dont do anything to recover it, other than sent threatening letters in big bold writing, when capital finance realise that theyve been screwed and wont see any money that way, theyll send you an email begging you for any money you can pay, thats the stage im at. :)

Link to post
Share on other sites

Forward it directly to the OFT. The OFT clearly state

 

f. contacting debtors at unreasonable times

 

g. ignoring or disregarding debtors' legitimate wishes in respect

of when and where to contact them

Link to post
Share on other sites

the email you speak of my friend is still attached below her reply, I already sent it twice, swift sterling say they only operate collections via the phone, txt loan offered 8 months payments, but its £148 more than the original £351, offered them all but the last £79 payment.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...