Jump to content


  • Tweets

  • Posts

    • It would help us to advise you if you fill in the sticky that dx100uk posted yesterday, then we can start looking at this. It's also worth sending off an SAR [click on the letters for further information] to Met, so that you have all the information for later. You don't want to be trying to get hold of it in a rush. HB
    • so I need to return the questionaire   Do I go for the remediation fre eoption or straight to court?   is there a guide to filling this out or do i just go with what i think? (ie. judege, get all papers, make a decision)  
    • Thanks for replies people, I think i will hold tight for a bit.
    • Can I please have advice on how to deal with Forecourt Eye.  Received a letter claiming I drove off without paying for petrol three months ago...there is a picture of me at the pump and me clearly offering my card to pay - apparently I only paid for some snacks and then left. Its also for a very odd amount 23 - I did check my account and I was charged 1.50 for snacks. I obviously had every intention of paying and for some reason either the transaction didn't go through.    I am kind of fuming about this as I had no idea and if I did not pay I have no idea what the circumstances were , but not a 'drive off' as described by Forecourt Eye. I have no issue paying for the petrol if the payment for whatever reason did not go through. In fact we visited the garage on advice of a friend who has a legal background and offered to pay, the lady behind the till called the manager and we spoke to her on the phone where she robotically said its 'the way it is now and it goes to Forecourt Eye' I then said I am contractually obliged to pay you, not Forecourt Eye.  We are visiting the garage again when the manager is there and will offer to pay again.  Interestingly when we called in the lady behind the till asked if I had called the garage the day before about the matter- I said no that was not me, so somebody else clearly  has had the same issue, I can't see drive off's being that common in any petrol station! So I know I am not the only one.    I know calling Forecourt Eye is not advised, I visited a shell garage yesterday ( really not wanting to ) made sure I had chip and pin and made sure I knew exactly what was being entered into the machine. They now have their threatening posters all over the pumps, basically making them or the garage responsible for any mistake...
    • Today is the last chance for those aged between 20 and 25 to nab themselves a free four-year railcard by opening an account with Santander.View the full article
  • 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

bob and MT collect - not my loan!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4382 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, is this their phone number, 020 81661472

Asking as they have been harassing us saying we have had a payday loan for £200 from them,

first we knew,

surely you need to sign for a loan?

they now say they want £ 278 in total,

hubby lost his job end of Jan this year and we are waiting to see if we are entitled to anything from JSA,

 

anyone know who CFO are as the intials throw up a lot of different companies with the same intials

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

  • Replies 90
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

there is only one report from sept 11 on who calls me on 020 81661472

 

that too was capital finance one

 

interesting

 

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... 

Link to post
Share on other sites

I thought any loan had to be signed for? we have had nothing,if they try and take anything from our bank then they will not succeed as we over overdrawn and there is ziltch in our account and it will reamain like that for awhile,if anyone has any idea who these people are and how they can say you owe them money when you know nothing about it is beyond us,the last call we had was to our mobile phone and the guy was awful,he said they will keep phoning us for the money

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

is this their number as well?

02081661472

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

I just d/l the above link but it came out unreadable,just symbols/letters etc so had to delete it,we are being hounded by CFO for a loan we knew nothing about,we did try for a PDL from a couple of companies and each time got declined so stopped looking,as other half has now lost his job it is last thing we need.I always thought you had to sign for a loan and have the agreement sent you? CFO have said they will keep phoning us for the money, £278

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

as advised on the other thread.

we have not see that number before

and there is one report on who calls me site but was MTC/CFO

 

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... 

Link to post
Share on other sites

your need microsoft office or install open office [free]

 

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... 

Link to post
Share on other sites

Ty dx,will give it a try,have to wait till Monday to go to our bank as they are closed over the weekend

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

have you a link for open office please as all the ones I have tried are foreign

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

ty dx,it worked

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

hi, we have just had an email from them, shall I post it here?

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

You have a loan of £200 with £78 interest which was due for repayment on 24/02/12.

I'm sorry to hear about your current situation however is there any way today you can make the Interest and fines payment on the account to defer the loan,

this will save you a large amount of money as fines will be applied to your account as per your account.

 

If you cannot do this, as the account is in default, fines and fees will be applied to the account until the balance is settled in full.

You will also receive daily calls/texts and E mails chasing the debt.

After a period of 33 days of being in default the debt will be passed to an external door to door Collection Agency called Mitigate Trace & Collect.

They charge their own fee for this service and this cost will be applied to your account.

We suggest therefore that you try and at least make the interest payment to defer the loan to avoid this.

We can also take a payment from your debit/credit card or if needed from someone else credit/debit card who may wish to pay on your behalf.

 

 

Please fill in the following if you wish to make the payment for the Interest today, or call 02081661470 to discuss this with an advisor.

 

 

Kind Regards

 

Capital Finance One

 

Tel : 020 8166 1470

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

If they state they have a bailiff standing by tell them that without a court order the bailiff will continue to stand by.... they are full of bull so inform them the call is being recorded.

 

A bailiff CANNOT use bailiff powers when collecting common commercial debt (which is what a PDL loan is) WITHOUT the debt having gone to court and you default on a court order, even then they are limited as to what they can take.

 

One DCA has already dropped out of collecting for this murky market - Fredericksons - and they stated it was due to the interest of the OFT, FSA and other parties and the level of complaints.

 

Complain to the OFT and FSA as there is now an official investigation going on. If you have already complained add further info to the complaint.

Link to post
Share on other sites

I went to my bank today and they said CFO have not tried to take money from our account as it would show up,

 

CFO told us they had tried taking money from our bank,

our account is in serious arrears,

 

I asked our bank if we could stop them taking any money we get going in and they told us that they can not just take it out,is this right?

 

am worried as hopefully we may be getting JSA go in our account if we are entitled to it as I lost my job at end of Jan this year,

 

WE never asked CFO for a loan yest they put one in our account,

 

the bank says as we have used it there is no fraud committed,

 

surely you need to sign for any loan?

 

we honestly did not relise any extra money and why would we ask for a loan of any sort when we could not afford one?

 

where do they get your details from?

 

Any advice is welcome

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

You have a loan of £200 with £78 interest which was due for repayment on 24/02/12.

I'm sorry to hear about your current situation however is there any way today you can make the Interest and fines payment on the account to defer the loan,

this will save you a large amount of money as fines will be applied to your account as per your account.

 

If you cannot do this, as the account is in default, fines and fees will be applied to the account until the balance is settled in full.

You will also receive daily calls/texts and E mails chasing the debt.

After a period of 33 days of being in default the debt will be passed to an external door to door Collection Agency called Mitigate Trace & Collect.

They charge their own fee for this service and this cost will be applied to your account.

We suggest therefore that you try and at least make the interest payment to defer the loan to avoid this.

We can also take a payment from your debit/credit card or if needed from someone else credit/debit card who may wish to pay on your behalf.

 

 

Please fill in the following if you wish to make the payment for the Interest today, or call 02081661470 to discuss this with an advisor.

 

 

Kind Regards

 

Capital Finance One

 

Tel : 020 8166 1470

 

you REALLY need to fwd that to the OFT and TS

 

they CANNOT FINE anyone

they are NOT allowed to even use those words.

 

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... 

Link to post
Share on other sites

I went to my bank today and they said CFO have not tried to take money from our account as it would show up,

 

CFO told us they had tried taking money from our bank,

our account is in serious arrears,

 

I asked our bank if we could stop them taking any money we get going in and they told us that they can not just take it out,is this right?

 

am worried as hopefully we may be getting JSA go in our account if we are entitled to it as I lost my job at end of Jan this year,

 

WE never asked CFO for a loan yest they put one in our account,

 

the bank says as we have used it there is no fraud committed,

 

surely you need to sign for any loan?

 

we honestly did not relise any extra money and why would we ask for a loan of any sort when we could not afford one?

 

where do they get your details from?

 

Any advice is welcome

 

 

put it in WRITING to your bank NOT to monour ANY payment requests to CFO or wwhomever

without your SPECIFIC permission

 

do not rely on branch tell the world

 

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... 

Link to post
Share on other sites

thank, new here so if you can point me in the direction of the OFT etc and what to say to them it will be great,must sound thick,sorry

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

read this thread?

 

ist here several times?

 

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... 

Link to post
Share on other sites

have just written letter to bank,asking them not to honour any payments to CFO

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

no

you TELL 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... 

Link to post
Share on other sites

sillygirl,who are you repling to please? I am totally confussed! I spoke to my bank this morning and will also put it in writing not to allow CFO to take money from our account,not sure what to say/write to OFT/TS, sorry just angry that firms can do this to people

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

Link to post
Share on other sites

i think its about time you made your own thread

 

thats why you are getting confused

posting on several tyhreads too.

 

i'll moved you posts for you.

 

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... 

Link to post
Share on other sites

your own thread created

please post here now

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...