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    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
    • My expectation was their WS would include the best paperwork, like at least true copies of originals, but these just look wrong somehow, perhaps the font and size of font... Not sending me the DN in CCA request but producing it for evidence I would argue could be a tactic used by them... - Page 11 with ticks - there is no reference to IP addresses - Home addresses are correct for dates in documents   Just looking up example Defendant WS's while awaiting your thoughts on this
    • Hello lovely, just posting to check in to see how you are feeling now? Hopefully your feeling better? 
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capital Finance One / MT Collect - read how to deal with them


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I just had a telephone call as well, from the same number but have been receiving txt msgs threatening bailiffs and visits to my work, written like this "we are due to VISIT your WORK TODAY TO STOP action please phone 01617381203 (obvs the same bods) and also, I am due to CALL to your address TODAY TO STOP yadayadayada. By the way, I live in Belfast, and we dont even have bailiffs over here!

 

can we have those text msgs please

 

fwd with from whom and date and time to 07758882744

 

 

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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done

 

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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found them on oft register but are on cfo's licence

no mention of them as debt collecters though.

 

just a trading name for cfo http://www2.crw.gov.uk/pr/default.aspx defenently dodgy

 

I have refused to deal with them and just end up telliing them that I cant trust them.

 

I have asked for thier adress but was palmed of with a po box address.

 

The woman had to ask a collegue for the address seems stange she dosent know where she works.

 

questioned this helpfull lady as to if they are registered and was told to check with cfo if i didnt belive her.

 

As yet had no further texts or calls from them.

 

I did however have a call an hour before from another one of their monkeys

I was busy and politly asked him to call back later witch he agreed but thretened that I needed to pay them and that they had a baliff standing by.

 

Clearly a lie as there is no court order in place.

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Hi Matt

It is well known that MTC are just a trading name of CF1 however they have just gone 'legit' with companies house

07937691

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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Hi Matt

It is well known that MTC are just a trading name of CF1 however they have just gone 'legit' with companies house

07937691

I wonder if now they are legit they will stop using bulling tactics and be willing to come to a fair repayment agreement . Should they be registered with oft aswell and declare that they perform debt collecting as part of their business. The information supplied on companies house also seems concerning no nature of business supplied and.no mention of previous trading names seems they don't want their previous name carter & co known.

Edited by matt3333
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:flypig::flypig:

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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That answers it I guess I won't give them my card details just yet!!!

 

If you give them card details, we will have to 'teach' you not to do something so silly :-)

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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how can they get away with harrassing people into paying what they cant afford they are breaching oft guidlines , section 40 of the administration of justice act, insome cases possibly protection from harassment act 1997 and probably other areas of legislation. It is shocking they have got away with their threats and itimidadion as long as they have.

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As per Sillygirl1, the time to complain is now more than ever. With the review currently underway by the OFT we need to make sure the often underhand tactics of these companies is made clear and put a stop to. The OFT is also inviting consumers to use the complaint form below to tell us about their complaint against a payday lending business. Complaints should be submitted by Friday 18 May 2012. The OFT cannot intervene in individual disputes. The information gathered from the consumer complaint form will inform the OFT's overall compliance review findings. People who are worried about their financial circumstances should seek independent debt advice. A list of organisations that offer free help and guidance on money matters is available from http://www.direct.gov.uk. Download the consumer complaint form: http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf Get those complaints in!

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With regards to legal status of MT Collect, whilst I see from a previous post (#45) that they are now registered with Companies House. Have had a response from OFT further to a complaint being made against CFO and OFT said that Mitigate Trace & Collect do not hold a CCL and do not appear to be a trading style of CFO. Are MTC shooting themselves in the foot here or am I missing something?? The CFO CCL only has down the following as trading styles; MTcollect, Money Resolve, Paycfo, Payday Advanced, Payday Credit and Payday First. On a separate note CCL notes principal place of business as Leytonstone address. However, when sent letter via recorded delivery to that address it was not signed for and returned to me some time later. Far from me to insinuate they would purposefully ignore recorded correspondence....

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In the OFT CC licence page, they are not listed as Mitigate Trace and Collect. They are listed as MT Collect. Same company so they are on CFOs licence

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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Have now recieved a letter from these people on Friday threatning legal action against me. The amount is now £690 for a £200 loan. Usual crap saying that if i dont respond to a summons they can take goods or I could have a attachment of earnings order blah blah. Can anyone give me any advice what to do should I reply to them telling them to foxtrot oscar or should i ignore them. They have rung me which I have ignored i havent had any threatning texts yet. I sent Capital One loads of emails they also commited fraud by taking money out of an account they didnt have details for. I then sent a letter to Daniel Silverman's and this was ignored. Would just like some advice on what my next course of action should be.

 

Get legal advise from CAB you could also seek advice from national debt line also report them to OFT, consumer direct and trading standards. Have you given card details to anyone on the phone it's concerning they are able to get details that haven't been given to them.

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In the OFT CC licence page, they are not listed as Mitigate Trace and Collect. They are listed as MT Collect. Same company so they are on CFOs licence

 

Under OFT guidence they cant share a licence with CFO

 

You cannot transfer a licence from one legal entity to another. This means that if you want to change your status, from, for example, a sole trader to a partnership, or a partnership to a limited company, you will need to apply for a new licence.

 

They are also breaching guidence in relation to how the trading names appear on the licence

 

If you also conduct licensable business under any other trading name(s), you must apply for the name(s) to be included on your licence.

It is a criminal offence to carry out any activity that requires a consumer credit licence under a name that is not on your licence.

 

The Act requires the OFT to check that any name(s) under which a person applies for a licence are not misleading or otherwise undesirable.

 

I have compared CFO's licence to a more respectable debt collector and they declare all of thier trading names for example CRS, credit resolution services, HS, HSL, ICS and installment collection services. The company I used for comparrason was Harlands Services LTD licence no 0526531. Even if MT collect could trade on CFO's licince they should declare Mitigate trace and collect and Mcall Repo as they are names that are used. CFO'S licence also dosent cover Debt collecting to be able to collect debts they would need catergory F debt collcting on thier licence.

If any one knows of any other trading names that mt collect are useing or have used please let me know. I am aware that they have previously traded as Carter and Co and also failed to declare this with companies house.

Edited by matt3333
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It dosent look good for MT collect / Mitigate trace and collect if they are found to be unlicenced :-D

It is a criminal offence to carry out any activity that requires a consumer credit licence before a licence has been issued to you.

Even if you have a licence, it is an offence to carry out any licensable activities that are not covered by that licence.

Unlicensed trading is punishable by a fine, imprisonment, or both.

In addition, if any of your customers were to default on a payment, you would not be able to enforce a credit agreement that you had made while unlicensed, or where an unlicensed credit broker was involved.

An agreement for the services of a credit broker, debt collector, debt adjuster, debt counsellor, debt administrator, credit reference agency or provider of credit information services cannot be enforced if the agreement was entered into when the business was unlicensed.

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Do mitigate trace and collect / mt collect declare that they are a trading title of capital finance one on any letters they have sent. Do they declare any registration number or consumer credit no. I have unfortunately never recived one of their letters and only had a threatening text.

 

I have only seen one letter on the forum and MTC make no reference to them being part of CFO, only that they are collecting on behalf of CFO. The letter also does not include any licence or registration details whatsoever.

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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Have made complaints against CFO to BCCA and FOS. BCCA have been quite helpful but not sure what their powers are or whether they would take any enforcement action against an alleged 'rogue' member.

 

CFO have finally responded on the back of this. Claiming unable to contact me despite my emails to them. They go on to add that I supposedly applied for numerous other loans with them. I can categorically say this isn't the case. They provide the dates but no evidence to substantiate their claims.

 

A fairly expected response albeit with claims of alleged applications for further credit.

 

I will reply to this and cc. the BCCA but am hopeful when the FOS pick it up and the OFT they might have more teeth.

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Did you apply to any other payday loan companies? I think these companies pass details around each other

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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