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    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
    • I contacted Sanctury housing in August 2023 after informing them my father in law who had Dementia had moved into a Nursing home December 2022. We kept the flat for 8 months until such a time we could accomodate some of his furniture that my wife wanted to keep. I contacted them in August 2023 to let them know the situation by email as I was the named person that could speak on his behalf. I informed them that we had left it to late for POT and were seeing a solicitor for Deputyship of his financies. I asked them what information would they need in order to give notice on the flat and we could provide details of his condition and nursing home. This went ignored I left it a month and then called them October 2023. I was promised a call back from a manager over the next few days. This never happened and it was end of November when I contacted them again and they had no record of me calling them. I explained the email and again I was told the local manager to the area would call me. This never happened and I ended up emailing them in January 2024 with a copy of the email from August. Again this went ignored and I had explained to them that we couldn't just go to the bank and stop the DD as we had tried. This email again went ignored. I then had a letter written to our home address in February asking us to get in contact with them (local manager) as they were concerend nobody was living in the flat. He had an email address so I copied in the last 2 emails to say I had been trying to give notice since August 2023. I also stated that I would like the rent that was paid from August 2023 refunded back to his account as I had officially tried to give notice then and it went ignored. He replied to us about wanting to look at the flat then notice could be given once he had contacted the nursing home to confirm he was actually living there now. Notice was giving for the 22 March 2024 and this would be when rent would stop and no further payment would be taken by this point. The fact I asked to be back dated went ignored. I have since noticed on 2 banks statement for April and May that they are still taking Rent payments of £501 from his bank. Further to this which seems very strange. He was with Eon Next for his utility bill again we were having problems getting this stopped as they needed a named person on his account which there wasn't one despite me managing his online account for him. I didn't check the email address that often that I used to set it up and went to check as noticed the credit he had built up with not living there was all getting refunded in February. The email said £600 would be refunded to his account with a (sorry you are leaving us message) but how can he leave as nobody but himself had access to speak with them. I also noticed the lady in the flat above him had a letter from her bank sent to his address with his address details but his name which was dated 4th March well before we had given notice and it said (thank you for giving us your new address details) we have set all this up for your account.   So Sanctuary housing must have been aware he wasn't living there from the ignored emails for the lady above to start changing address details to move into his flat before the housing manager had even got in contact to ask if anyone was living there. What I basically want to know his do we have any legal standing to claim the rent back from when I first contacted them in August 2023? There is roughly £3000 to come back  
    • lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • i see you are posting this all over the internet too. here you say it was returned by the safety camera dept UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
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MT Collect - Letter


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Does it definitely say call AT your work ?

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Aha - threatening to call AT your work is a serious no-no - hope you've sent that to the OFT

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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  • 4 weeks later...

I have been harangued by Carter Forbes

sending me texts and calling me for several weeks now, threatening doorstep visits etc.

 

I sent the doorstep letter three weeks ago;

it was ignored and I received more threats.

 

I have since reported them to the OFT etc., and on Friday last week sent a VERY strongly worded letter to this effect,

reiterating my 'in writing only' stance.

 

Today I have had a text asking me to 'close my overdue account by paying only the capital plus one months (sic) interest'

 

Since this all, I assume, refers to a Capital Finance One payday loan for which I have already paid back the capital plus several month's interest, I intend to pay no more.

 

Should I now SAR Capital Finance One and get this sorted once and for all, or should I ignore?

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If you have paid the capital and more than one

month interest personally I would write as a final

response detailing what has already been paid in

accordance with their offer.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Agree with Brig. Plus, do you have bank statements/receipts proving your final payment of both capital and interest?

 

Make sure you keep copies of anything/everything you send and receive regarding this.

 

 

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I have been harangued by Carter Forbes

sending me texts and calling me for several weeks now, threatening doorstep visits etc.

 

I sent the doorstep letter three weeks ago;

it was ignored and I received more threats.

 

I have since reported them to the OFT etc., and on Friday last week sent a VERY strongly worded letter to this effect,

reiterating my 'in writing only' stance.

 

Today I have had a text asking me to 'close my overdue account by paying only the capital plus one months (sic) interest'

 

Since this all, I assume, refers to a Capital Finance One payday loan for which I have already paid back the capital plus several month's interest, I intend to pay no more.

 

Should I now SAR Capital Finance One and get this sorted once and for all, or should I ignore?

 

is there anyway you could ask them to confirm this one month + int in writing?

 

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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who are carter forbes i have only known capital finance one to collect debts under mt collect , mitigate trace and collect and Mc call Repo

 

ok found them :|

 

Name & Registered Office:

TWYFORD DEVELOPMENTS LIMITED

PETER HOUSE

OXFORD STREET

MANCHESTER

M1 5AN

Company No. 06318376

consumer credit licence number 0612733

 

Categories:

Credit reference agency, Debt collecting

 

Trading Name(s) (Current):

 

Carter Forbes, Cash Castle, Cash Cave, Cash Office, Lending Pot,

Twyford devolopments

 

this is a first for capital finance one using a liscened debt collection agency.

 

I doubt carter forbes are chasing you for a CFO loan. Capital finance one prefer to use their own collection monkeys that pretend to be baliffs.

Edited by matt3333
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  • 2 weeks later...

about time we had an answer to my question..............nonymouseuser-offline.png

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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Not on here much, sorry. Job, life, y'know...

 

Have asked for written confirmation of account balance / payments mde etc but no response as yet, as there never has been in past.mhowever amount of texts and calls has fallen significantly so they obviously read my letter.

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nothing yet?

 

this is important

 

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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No, no reply as yet. They signed for my letter on 15th March so it's been over 2 weeks now. However I have asked them before for proof in writing of the status of my account but nothing has been received.

 

I assume they are waiting for me to pay £10 for a SAR.

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  • 1 year later...

I have had an email today from 'CFO Resolve' with the following message:

 

You can now apply for CFO Resolve and get a weight off your mind and up to £200 in your account today! In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

 

By taking advantage of this offer we will:

 

1) Remove all fines and interest currently on your account. We take your current outstanding balance, including all late interest charges £xx.xx and reduce it to the original £xx.xx that you initially borrowed!

 

2) Offer you a small top-up. We have an available £xx.xx that we can transfer to your account today!

 

3) Set your due date for you next payday. We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

 

4) Get your account out of default with CRA’s We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

 

The Resolve team has been specifically set up to help you get out of debt by reducing your balance.

 

Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

Aside from the fact that I do not owe CFO any money (having paid off well in excess of the amount I initially borrowed and then some), surely this kind of email is illegal?

 

A loan to resolve a loan seems... dubious in the extreme!

 

Obviously I've moved it to my SPAM folder but should I report this to anyone?

Edited by citizenB
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Don't even think about taking up their "offer". We have heard of people who did apply for this "Resolve" and found they were declined the extra money into their account - not only that they had to give their new bank /card details and gues what ? CFO took the money from there to pay the money they were after in the first place. In other words this "Resolve" is a trap to get new bank or card details so they can take the money you owe.

 

Report that email to the OFT.

Help us to keep on helping

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

 

 

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Don't even think about taking up their "offer". We have heard of people who did apply for this "Resolve" and found they were declined the extra money into their account - not only that they had to give their new bank /card details and gues what ? CFO took the money from there to pay the money they were after in the first place. In other words this "Resolve" is a trap to get new bank or card details so they can take the money you owe.

 

Report that email to the OFT.

 

Oh, I absolutely won't be taking them up on the offer, but just wanted others to be aware. I'll forward the email to the OFT today, thanks.

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It's a con used by CFO to harvest your details and strip account. As CB said, you MUST report it to the OFT.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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it's a con used by cfo to harvest your details and strip account. As cb said, you must report it to the oft.

 

 

cb ?

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

 

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Woops. Trust me to skim the page and not notice the names :lol: Sorry Ell-enn

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...

I don't know if I am posting this in the right section but I recently just cleared my account with these cow boys i had taken out a £200 day loan from them in 2012 but tragically I was in a bad car crash two months in to my new job so I was n

Edited by Gthom30
Did not mean to push the post button.xxx
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I don't know if I am posting this in the right section but I recently just cleared my account with these cow boys i had taken out a £200 pay day loan from them in 2012 but tragically I was in a bad car crash two months in to my new job so I was not entitled to sick pay and my account went in to default. As time went on the total balance including as cfo quote"fines" was sitting at £495. I started getting bombarded with offers for the cfo resolve offer stating that they will remove all fines from my account etc and take It back to the original loan amount of £200 and credit my account with another £50. To cut a long story short after lots of emails from CFO trying there bully tattics, and trying to bull s**t me by saying that I need to supply debit card details to qualify for the resolve. I stood my ground and told them if you can send me this CFO resolve offer to clear my account for the original £200 then you can accept my offer todAy to close my account for as previously stated £200. They eventually agreed on the £200 which I paid on the 31st of May however it still shows as default on my credit report and I Am trying for a mortgage just now. I emailed them today to get them to rectify it but not heard nothing. Is there anything else I can do as i am sure this company will not be willing to help me. Thanks G

Edited by Gthom30
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One thing i did when i had defaults on my file was negotiate their removal with a F&F settlement. Granted, a few companies were not prepared to do it, but i managed to get rid of 3 defaults that way. After all, you have nothing to lose and everything to gain.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi bombaymix, please pardon my ignorance but on my report it states balance satisfied but status default? I thought if you paid money due it is no longer default, can someone please explain? Thanks G

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