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    • Thank you. I'm going to say that the photographs really don't say very much and once again it's a real shame that you didn't take lots of photographs of all the issues including the Windows and the state of the inside of the room. You can certainly bring a claim here if you want and we will help you but I'm really not sure of your chances of success. It sounds to me as if the manager you spoke to was dismissive and nothing was particularly agreed or admitted. If you want to bring a claim then I would start off by establishing a paper trail where you point out the things that were wrong and the fact that you discuss this with the duty manager who appeared to be dismissive. You could ask them then in general terms if they have any proposals to make. I think you're in weak position. I don't think you should start threatening them with legal action or anything at the moment and even if you did bring a legal action for the full amount I would probably advise you to negotiate a settlement of maybe 50% – if you're lucky – at mediation. Have you tried putting up Google reviews and reviews on trust pilot? This could also be a good way to start. I'm very sorry but when you deal with these kinds of issues then you need to collect evidence as quickly as possible. It is the first thing you always do when there is a poor hotel, a stone in your cornflakes or a motor accident. I'm afraid that you have to think this way and maybe it doesn't come naturally – but having run the consumer action group for 18 years, this is rather second nature. If you have any phone calls with them then you should read our customer services guide first and then confirm any admissions they might make in writing.
    • Starmers election winner    My dad was a toolmaker 🤣😂🤣   Sunaks election winner    I was a deprived child I didn’t have Sky TV🤣😂🤣   and Davey just makes a complete idiot of himself    Only Reform worth voting for ,follow the French at last they are seeing sense  
    • What is the value of the claim? Please can you post up the claim form in PDF format
    • Hello , sorry of this is in the wrong place. I have received in the post a County Court Claim claim form.  This relates to MYJAR and issued by TM Legal relating to a payday loan issued 11/2017, subsequently they issued a default notice 09/2018. The debt isnt on any credit reports.  4/4/2024 I had an email saying a Letter of claim was sent - this was not received , i replied to say I believed the debt was statue barred their response We are aware that the correspondence you have sent, is in a format that is circulated on consumer-based websites whereby debtors are encouraged to use the templates in order to avoid repayment of their debts. We do not accept that the contents of these templates bear any particular relevance to your case. For clarification, in line with the Limitations Act 1908, no claim may be brough after a period of 6 years from the cause of action. The cause of action in this instance is the Notice of Default served upon you by the original creditor on 24th September 2018. As such, the account is not Statute Barred. 10th June 2024 I have received a county court claim form and now i am unsure what to do next and how to complete and respond, I do not want a CCJ. Please help 
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      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.  

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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 One Finance & A L Wright Threat-o-texts!!


AMANDA1973
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why are you in a fee paying? DMP

 

dump them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi I have just received a text from A L Wright Pre Removal for today. I do owe capital finance one money but it's only 2 weeks late! I know this is a company trying it on but did anyone actually come to the house? My husband would be mad if they did I plan to ignore for now unless they have called in which case I feel I should ring to put a stop to it. Help not sure what to do!

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Hi I have just received a text from A L Wright Pre Removal for today. I do owe capital finance one money but it's only 2 weeks late! I know this is a company trying it on but did anyone actually come to the house? My husband would be mad if they did I plan to ignore for now unless they have called in which case I feel I should ring to put a stop to it. Help not sure what to do!

 

No one will come to your house, the text is doing it's job by scaring and intimidating you into contacting them.

 

Just ignore the text and DO NOT PHONE THEM!!!

 

Have a read through the previous posts including the link supplied to another thread, you are in control, not them!!!

 

If you can start your own thread about your debt, what the debt is for etc. would be appreciated so answers do not get too confusing.

 

If they ring you, refuse to go through the security questions and say "in writing only" and hang up.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi I have just received a text from A L Wright Pre Removal for today. I do owe capital finance one money but it's only 2 weeks late! I know this is a company trying it on but did anyone actually come to the house? My husband would be mad if they did I plan to ignore for now unless they have called in which case I feel I should ring to put a stop to it. Help not sure what to do!

 

 

can you please start your own thread and i'll move the reply there please

 

the more threads on these spoof people the better the oft will pay attention

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi all, I had a threating text saying that someone was going call on the 1st january for pre removal.

I have just recieved another text saying ' I am due to call to your adress, to stop phone 01747593007 to make a token payment today. A L WRIGHT. What shall I do? What have other people done? Please help.

 

DX have you recieved anymore texts? I think you replied to my thread when I posted the first text.

Thanks All

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Jeez!! I thought my lenders were bad. Nothing compared to this shower!!

 

Just don't engage in conversation with them on the phone. This seems to be the golden rule here. I think these guys must receive their employment training from the mafia!

 

Write to them (template letters in the library) stating that all communication should be in writing. Guaranteed they won't be daft enough to leave a paper trail of their threats.

 

Get reporting these shysters to the oft!

 

Keep your texts but do not respond to them!

 

Make offers of token payments/repayment proposals via email or letter.

 

Please, whatever you do, if they ring back, tell them 'in writing only' and hang up the phone!

 

I sincerely believe that their threat of coming to your house is nothing more than a threat. If by small chance they do turn up. Tell them in the politest form to FOXTROT OSCAR! If they refuse, call the police! They can only call by appointment - and I would hope you wouldn't make one.

 

Please, no more worrying or sleepless nights! These bottom feeding scumbags aren't worth your worry.

It never rains but it pours...

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me

sorry

not that stupid to ever use a pDL co. just as skint though!

 

what do you actually OWE if anything?

 

take off their charges + bumped up interest

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i've reopened your old thread now its gone quiet

 

so your posts are in one place here now in this thread

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi all, I had a threating text saying that someone was going call on the 1st january for pre removal.

I have just recieved another text saying ' I am due to call to your adress, to stop phone 01747593007 to make a token payment today. A L WRIGHT. What shall I do? What have other people done? Please help.

 

DX have you recieved anymore texts? I think you replied to my thread when I posted the first text.

Thanks All

 

Hi Amanda. Is this the only PDL you owe. The reason of my asking is to confirm that this A L Wright is acting on behalf of Capital Finance One.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I too had the same text from them,

I owe cfo 200,

after i was late they told me it had gone up to 400

I cancelled my card but they took out 300 from my bank with just my account number.

I have had to change my salary to a different account.

 

When I rang the number from the text a very stroppy man said I would have to pay 50-100 then as he bailiffs were on the way.

As I am quite naive I panicked and said I was being paid at midnight and could do it then. (this was at 8.15pm)

the man said no i had to borrow from family,

i said I couldnt so he said `just let the bailiffs come then` and slammed the phone down.

 

I was very upset so I told my boyfriend who rang them back and had a go at them, they agreed to put it on hold unitl the following day.

 

Something didnt seem right so I found this forum, and read up on MT collect, im glad I did.

When I rang back the foloowing day I was ready for them.

I told them I would pay 30 pound token payment the again stroppy girl I spoke to took the payment but said I had too pay 70 every month,

I said I couldnt and she said well they would start removing things from my property.

 

I then told her I had read up on the company and I would need a court order and at least 3 letters form them before.

She went quiet and passed me to someone else who said no problem he would accept 30 pound.

 

I cant believe they are allowed to intimidate people like this,

I have reported them to oft and would urge anyone to do the same, they are complete bullies.

They now say my balance is 600 pound, does anyone know if I can dispute this?

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Please please stay off the phone to this company. deal with it in writing OR RECORD THE CALL.

 

The more transcripts we get of their unlawful practice, the sooner we can get them shut down.

 

Capital Finance One do have a secure portal where you can make an offer. Just google 'paycfo'

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Capital Finance One do have a secure portal where you can make an offer. Just google 'paycfo'

 

Secure ? the people used this who had their accounts cleared may not agree.

 

See first page of following thread...

http://www.consumeractiongroup.co.uk/forum/showthread.php?316676-Capital-Finance-One!!!&p=3534432#post3534432

 

How is it CFO come by people's new accounts that they have never knowingly given??

 

CFO hand out their bank details to arrange standing orders etc at every opportunity going (unlike some other PDL's) without the need for paycfo

Edited by asmilecostsnothing
.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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