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    • This is an article from a couple of years ago about how someone won against the council, but it does mention that there are two sets of signs.   https://www.dailypost.co.uk/business/business-news/driver-wins-appeal-over-mersey-13931137   HB
    • Let them go back to court and then force them to produce everything they wont.
    • Impotrant   https://content.govdelivery.com/accounts/UKHMCTS/bulletins/24c3af1 How will the new process work? The process for applying for a warrant of control will remain the same; creditors will continue to use the existing application routes of either a paper application form via a local court or an electronic application on Money Claim Online (MCOL). Following a successful application, the warrant is issued to the relevant Warrant of Control Support Centre. The centre will then manage the warrant for approximately 12 days. During this time, trained staff will: Attempt to contact the debtor by telephone or SMS, using any contact details provided on the warrant application form. They will check that the debtor is aware of the judgment; speak to them and inform them that a warrant of control has been issued; and provide them with further information about next steps, available options and signpost them to debt advice services. Identify potentially vulnerable debtors and will offer additional support via specialist agencies. If a debtor is identified as potentially vulnerable, still will inform the creditor and ask how they wish to proceed.
    • Good Afternoon,   It would be greatly appreciated if you ladies and gentlemen can advise me what direction I should take, my problem is since we moved to our semi house my neighbour has made our lives hell constantly whinging and also accused us of damaging her property. Basically a blame game from her even though we have never done nothing whatsoever. She Even tried to put a anti social behaviour on me due to me refusing to pick up leaves from her garden saying the leaves belong to your trees. She asked me to replace the fences on the boundary which is my responsibility but here is my dilemma my side of the fence which has the feather boards there’s no rotting whatsoever due to me putting wood preservative and maintaining the fences, on her side where the framework batons hold the feathered boards have rotted away and the fences have collapsed due to her negligence of not maintaining her side, even though it’s my fence where do i stand in this predicament? she would not entertain on splitting the cost, i dare not ask. My main concern is that just recently she had her flat roof redone , my roof is pitched and there is a gap in between the both boundaries, but what her roofers have done  they have stuck the asphalt on my roof tiles without any consultation also encroaching on to my side of the boundary. How and what way should i go about getting the asphalt off my tiles, I approached her to tell her to remove the asphalt but was rude. Legally how do i go about it, also do i have a strong case? At the  moment i am a carear for my mother who is on palliative care so i had to give up work to look after her, so my finances are low. Please  i would look forward to your responses and suggestions thank you.   
    • You have no right to reject the car just because an EML warning light has become apparent, you don't even know what the fault is. You should be reasonable and accept the offer to repair. You should be working with the garage, not against them.   
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
azzadle

CFO emptied my bank account at 3am :/

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Yes ladies and gents, it's our good friends at minicredit again!

 

Stupidly, I have 5 PDL's, and have managed to get an agreement for a repayment plan on Txtloan's and 1monthloan's so far. Sent several emails to CF1 and WDA, WDA want my last month's bank statement.. rather not..

 

Anyway, to the point. I borrowed "£100" from them (turned out to be £80.50.. sound familiar), rolled it over twice at a cost of £34 a time plus a ridiculous £5.50 fee until my card was blocked by my bank as these people have been trying to raid my account daily. They whacked £25 on top and the block couldn't be lifted until I could get to a branch on the Monday, which whacked another £55 on top plus 4 attempted payments at £3 a time. All in all, 4 days cost me an extra £92. I offered them a suitable repayment plan which was flat out refused. The balance is now £525 and it's beyond silly.

 

I really can't afford to settle it in 1 swipe, it'd basically cripple me. Just had a bizarre car accident involving a flying brick which destroyed my radiator and air con unit for £540 and when I finally got home I had a bill for £757 from my MOT.. brilliant. What on earth do I do? I've requested all payments made to them (which I believe is £33+£5.50, £33+£5.50 and £35 they helped themselves to, totals £112) but they've not replied to any email I've sent. Phoning them is a waste of time too.

 

Where do I go with this next? :)

 

TIA

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Id be carefull with Capital Finance One - They emptied my bank account while i was trying to set up a repayment plan with them, they told me to go onto there new website www.paycfo.co.uk and set up a payment plan there, i did that and they got my card details and cleared the lot!! if they tell you to go on that website DONT!!!!!

 

As for MiniCredit ive yet to hear anyone who has set up a plan with them, i havent managed to do it, all they keep saying is i can make part payment or full payment via the website.

 

Can i ask did you set up your repayment plan with 1 month loan via email or phone?

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Did it via email amy, took a bit of negotiating but they listened :-D

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You only are legally liable for the original loan amount and one months interest - NOTHING MORE.

 

They cannot charge failed attempts to raid your bank and each one of these attempts MUST be reported to the following

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk (for the Office of Fair Trading, remind them they have told off Payday loan companies for raiding peoples bank accounts and sanctioned a couple of companies already)

 

If you don't complain you are wasting your time posting here.

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Hi guys,

 

In the same kinda boat myself with CFO. I stupidly ended up with 5 PDL's but have arrangements on 4 of them, CFO are so difficult. First "defaulted" on this in August '11 (took out the £350 loan in June '11, made 2 x £87.50 payments) - emailed them twice asking to set up a repayment plan with no reply. Sent a letter asking the same, no reply. I got a letter in October '11 saying my balance was £792.50 and I had to make a minmum payment of £442.50 until my next payday (dream on..). Sent another email saying it was too steep and I want to repay it, just not that much in one go! Again, no reply. In November '11 I had 2 text messages from "Mr.Marsden" from McCall Repo saying I had to call them or face legal action, of course I didn't ring them as I refuse to deal with them on the phone and I've not heard anything since.

 

3 months of no contact from CFO - no texts, no calls, no emails, no letters. I've tried to sort it but they're ignoring me. I have no idea what my balance is, who the debt is with, what their plan of action is.. what the hell do I do? I want to get my debts sorted and paid off but they don't seem to want the money..

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Dear azzadle

 

I am in the same position as you but I havent heard from them since last June when they took £75 [EDIT] from an account I had only had opened for a week. When I took out the loan with them I banked with Barclays this new account was with Lloyds TSB so still dont know how they managed to get the debit card details. When I emailed them on the address that I had done several times before telling them I would be reporting them to the police [EDIT] the email came back as not recognized I havent heard a thing from them since not even from this MT Collect or anyone else that people have mentioned on this site.

 

 

Hi,

I hope you have reported this to the banks fraud team and contacted the police. You may owe them but this is fraud and theft


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

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Dear azzadle

 

I am in the same position as you but I havent heard from them since last June when they took £75 [EDIT] from an account I had only had opened for a week. When I took out the loan with them I banked with Barclays this new account was with Lloyds TSB so still dont know how they managed to get the debit card details. When I emailed them on the address that I had done several times before telling them I would be reporting them to the police [EDIT] the email came back as not recognized I havent heard a thing from them since not even from this MT Collect or anyone else that people have mentioned on this site.

 

 

 

Did you enter your new card nyumber onto any other site on the internet at all ?


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Freakishly enough I had a call from MT Collect just now. I'm shaking with both fear and anger - offered to make a repayment plan but they demanded £100 or they're "kicking the doors in" tonight and taking £905 worth of stuff, they have "drivers" out and about and will visit me in the next hour apparently. My parents dont know about this mess, I've made an offer and got laughed at. I know they need to make a prior arrangement or I can tell them to get lost and to take goods they have to go through the court but they were so so aggressive. Please help ASAP!

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No one will call at your adress, phone them back and tell them you have phoned the police to report the threat, and thats exactly what I would do, they cant just turn up and 'kick the door in' its just an empty threat

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I'll try the recording on my mobile option. Could be interesting, nobody's going to turn up then?

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I'll try the recording on my mobile option. Could be interesting, nobody's going to turn up then?

 

 

Nobody has yet and I have been seeing this type of post for over a month


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I have a text I had from them today, I read earlier in the thread these could be forwarded to someone on here, is it ok to do this?

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I have a text I had from them today, I read earlier in the thread these could be forwarded to someone on here, is it ok to do this?

http://www.consumeractiongroup.co.uk/forum/showthread.php?336092-Getting-Text-Threats-amp-removal-calls-SITETEAM-NEED-THEM-PLEASE


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Thanks! Just sent it, whoever it gets to, the number ends in .... - that's mine.

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Thanks! Just sent it, whoever it gets to, the number ends in ... - that's mine.

 

noticed

 

dx


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Emailed them last night about their disgusting behaviour and that it's going to be reported to the OFT etc and they came cowering back apologising and offering me to pay it back at £50/month which I kindly told them to stick as even that's too much.

 

Best bit was I emailed collections@cap..etc and their first reply was "good morning, this is being dealt with MT Collect and I will pass it to them.." and the next email came from Mt Collect 2 minutes later. Probably the same guy :-x

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Either the same guy or the one sat in the desk next to him !


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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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Do you still have the texts on your phone ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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No contact for nearly 2 months from these shysters, did agree a repayment plan and got an apology for their behaviour, any further news on the credit licence? Havent paid them a penny of the plab due to this ongoing issue. They also want 905 quid for a loan of 358, claiming i havent paid a penny which is a LIE!

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Do you have proof youve paid? If so, how much have you paid in total.


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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Its on a bank statement somewhere mate, if i remember rightly it was 1 lot of 58.50 (loan was 150 at the time at 39% int), then became 358 with 137 interest approx.

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What you need to do is find out when the transactions were and get them notarized by your bank. Should ANYONE try taking you to court or try to get you to pay it back and say you havent, you will have proof, corroborated by a senior bank representative. This is enough for any judge not to second guess it.


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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One slight problem, that account has since been closed. Was with the spanish bank but i closed my account once o/d was paid off. Cash genie nicked 160 quid from the account,santander picked their backsided for months and decided it was my fault so tough. Charming eh. Got the statement somewhere.

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So the sun paper confirmed in their city section last week that CFO has lost its accreditation with the BCCA. Can someone more in the know underline what this means and how it will affect us with outstanding monies owed to them? Thanks

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The BCCA is just a group that CFO belong(ed) to. Can you find the link from the sun. I can't seem to spot it

 

What does it do for you. Nothing! They just cannot show BCCAs logo on any of the websites that CFO have going


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

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