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    • Hi BazzaS, I wasn't in a good mood when I wrote post 47. I read your post feeling the same way as you, first step find out what happened behind the decision to use sleeping tablet X and if it was noted in the records or not by the Gp.   Lets get an explanation and medical records first then go from there.   This is the letter I have written requesting an explanantion.   Please can you provide an explanation why GP1 (name here) on xx/xx/xx, GP2 (name here) on xx/xx/xx and GP3 (name here) on xx/xx/xx prescribed (medication) to my brother? What was the rational behind the prescripton?   Is this letter good enough does it need tweaking?   Is a cover letter needed that your writing on behalf on a relative to request an explanation the surgery might refuse under GDPR regulations
    • The right to mitigate losses is being worn away by JL's negligence. OP also has the right to have their guarantee fulfilled at little inconvenience to themselves.   By disregarding the guarantee JL have effectively given up their "claimed right" outlined in the guarantee to be the executive decision maker as to whether the guarantee is fulfilled by way of repair or replacement with a TV of equivalent specifications and thus disregarded their opportunity to mitigate their own costs.   As outlined in the guarantee the OP has the right to both options.   Given JL's unreasonableness it could be deemed entirely reasonable for OP to feel it is less inconvenient to purchase a new TV with equivalent specifications. The new TV will come with a fresh set of statutory rights. OP will be able to receive some continued albeit diminished benefit from their faulty TV until the replacement arrives. If the replacement TV turns out to be faulty it can be returned at little cost or inconvenience. This is in contrast to the significantly inconvenient option of arranging to have the TV repaired which involves. Arranging for collection. Risking paying for a repair with no guarantee of success. Awaiting the TV to be returned. In the meantime OP receives no benefit at all from the ownership of the faulty goods.   Rather than being instantly out of pocket and in the position of having to risk a claim to be restored to their original position (despite being very likely to succeed), a better option would be to locate a TV of equivalent specifications and bring a claim for that amount.   Should JL continue to flaunt its own guarantees then JL is unlikely to be successful if they then choose to contest the amount claimed by the OP on the grounds OP should have diminished their costs when JL had their own opportunity to do so by simply arranging for repair of the goods themselves.   While not the direct intention, JL may decide that it is in their interests to arrange for the repair of the faulty TV than risk a claim for what is likely to be a more expensive replacement TV.
    • You should file something like this -   1.  The Defendant is the recorded keeper of [motor vehicle].   2.  It is denied that the Claimant entered into a contract with the Defendant.   3.  In any case it is denied that the Claimant broke the terms of a contract with the Defendant.   4.  The Defendant is attempting double recovery by adding an additional sum not included in the original offer.    5.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Points (2) & (3) are catch-alls, they can be fleshed out at WS stage to include bye-laws, prohibition, you not being the driver, etc.   I see you have till 1 June to file the defence, so don't do it now, hang on and see if others suggest to tweak the above.  Don't file at the very last minute though, in case MCOL has a hissy fit!   
    • John Lewis have already told me that they cannot do anything or contribute to the repair via the manufaturer LG, as their guarantee explicitly states that 'screen burn' is not covered.   To be fair to them, on the back of my receipt it does have a list of exclusions including "image ghosting or screen burn".  The issue is that their repairer has incorrectly stated in his report that the fault is due to customer misuse/screen burn, and therefore it is not included in their guarantee and they cannot help.   LG the manufacturer have sent me an email where they state "...based on the nature of the issue that the unit has developed, the outcome is a Panel fault issue which has been confirmed by our technicians after a review of the images you provided..."  and they offered to repair it for £200.  So there is disagreement on the cause of the issue between the retailer and the manufacturer too, with JL conveniently deeming it something that is excluded from their guarantee.  John Lewis as mentioned previously are holding onto this engineer report as gospel and refuse to budge.  I understand that more recently they offer an additional extended warranty at a cost on televisions, which DOES cover screen burn, but obviously this is no use to me.    
    • I agree. Maybe I didn't read it correctly. I had thought that the whole matter had been referred to the repairer by John Lewis   On the other hand, if John Lewis has washed their hands of it – then I think a letter to them explaining that you are going to mitigate your loss by having the set repaired by the recommended repairer and that you will be pursuing them afterwards for your expenses – in view of their lack of interest. I think that will cover everything
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Hi all,

 

Has anyone received any correspondence from CFO / Cashchoice regarding reducing payments to enable you to take a new loan?

 

My brother has received the folllowing this week:

 

CashChoice: Email

Balance: £3265.59

 

REDUCED SETTLEMENT OFFER - £785.59 (

 

DearXXXXXXX,

 

Despite our repeated efforts for payment, the above account remains unpaid. We are unaware of any legitimate reason for non-payment. However, without prejudice, we are willing to accept a reduced settlement figure in order to draw the matter to a close.

____________________________________________________________________________

 

Our offer of full and final settlement: £785.59

 

To be paid no later than noon 26/11/2012

_________________________________________________________________________

 

Payment can be made by calling our offices on 0330-088-3577 with your debit card details.

 

We would prefer an amicable settlement; however, should the settlement amount not be paid by the specified date, we will not hesitate to take such further enforcement action as may be appropriate.

 

Should you have any questions, please telephone our offices on free phone telephone number 0330-088-3577 .

 

Important: If you are not the named person above, please contact us to stop any further communication.

 

Regards

http://www.cashchoiceuk.co.uk

 

Always quote Loan Number on all communications.

 

Telephone calls may be recorded for training and monitoring purposes.

 

CFO: Text Message & Email

Introducing CFO Resolve!

 

Get your account out of default and up to £200 in your account today!

 

Apply online or Call 0203-195-1184

 

Dear XXXXXXXX,

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 £940.13 and reduce it to the original £375.00 that you initially borrowed!

2) Offer you more money.

We have an available £75.00 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!

 

This is effectively a new loan & an opportunity to borrow from us again in the future!

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!

 

Kind Regards,

 

CFO TEAM

 

He has took the two loan's out with them back in 2010/2011 and did go through a Debt Management company but did not include these two due to misplacing all paperwork when moving from his partners.

 

I got him to get his credit report and the only thing with a default is Cashchoice at the over inflated value quoted. with it increasing each month.

 

I like how both are willing to remove all charges and interests (especially Cashchoice at over 400% reduction).

 

 

Should I get him to do the whole £1 request and then SAR?

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Got an email from them today. Balance of £1740 settlement figure of 340. Never heard of them before. They even stated they had tried to contact me on several occasions. Never had any postal mail from them. Sounds all a little suspect. I would just ignore tgese monkeys. As for phoning them dont. Email or postal mail, never speak to people like them.

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  • 5 months later...

Morning, we have submitted SAR's to both Cash Choice and CFO on the 18/03/2013

 

Now the Cash Choice one was delivered and signed for on the 19/03/2013, but the CFO one wasnt.

 

The track and Trace said "We have tried to deliver your item from our LEYTONSTONE Delivery Office before 09:39 on 19/03/13 and we have left a while you were out card." so I left it assuming someone would collect.

Then on the 08/04/13 I rang Royal Mail requesting a re delivery. They attempted this yesterday and once again track and trace says: "We have tried to deliver your item from our LEYTONSTONE Delivery Office before 07:39 on 11/04/13 and we have left a while you were out card."

 

I'm sure I have the correct address as its the one that appears on his Experian report.

 

Heres the address:

CFO LENDING LTD

Level 2

Kirkdale House

Kirkdale Road

Leytonstone

London, E11 1HP

 

Any suggestions?

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  • 1 month later...

I'm beginning to think that alot of these payday loan companies do not know what a SAR is.

 

Today I have received a reply to my SAR request from CFO, and also an Email from Cash Choice (nothing to do with my SAR request)

 

The Email from Cash Choice reads:

Balance: £3985.59

 

REDUCED SETTLEMENT OFFER - £996

 

DearXXXXXXX,

 

Despite our repeated efforts for payment, the above account remains unpaid. We are unaware of any legitimate reason for non-payment. However, without prejudice, we are willing to accept a reduced settlement figure in order to draw the matter to a close.

____________________________________________________________________________

 

Our offer of full and final settlement: £996

 

To be paid no later than noon 5/6/2013

_________________________________________________________________________

 

Payment can be made by calling our offices on 0330-088-3577 with your debit card details.

 

We would prefer an amicable settlement; however, should the settlement amount not be paid by the specified date, we will not hesitate to take such further enforcement action as may be appropriate.

 

Should you have any questions, please telephone our offices on free phone telephone number 0330-088-3577 .

 

Important: If you are not the named person above, please contact us to stop any further communication.

 

Regards

http://www.cashchoiceuk.co.uk

 

Always quote Loan Number on all communications.

 

Telephone calls may be recorded for training and monitoring purposes.

Now the first thing is the Balance, on my credit file it says "Defaulted Balance £880, Current Balance: £1480. File updated 25/09/2011", then I noticed the "Dear" part - it just had my surname, not my first or MR xxxxx but just my surname, very professional. As you can see no mention of anything to do with my SAR request.

 

Next is the letter I received from CFO:

 

[ATTACH=CONFIG]43829[/ATTACH]

 

There is no Default notice, contact infomation ie telephone call transcripts, emails and yes I have had a few and replied to no acknowledgement (unfortunately I'm having trouble recovering these due to a damaged PST file), and NO signed agreement.

As the letter says its just a contract, and its not even a photo copy as you can see the ink & impression marks on the reverse side of the pages.

 

Of course they want me to pay £940 (Credit report updated 21/04/2013) but I get emails from CFO Resolve saying we will let you pay £375 clean up report etc.

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So in 7 months this is no nearer being resolved.

 

Time to ignore them and escalate your complaint to the OFT and TS.

 

And if that is all they have sent you in relation to your SAR request, so long as they are out of time (40 calender days) then you can either remind them of this by way of a letter, giving them a further 7 days to comply or you will escalate this to the ICO for their investigation.

 

Or you could simply escalate it without informing them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The SAR requests were sent 18th March, cash choice received 19th March so that's 64days.

CFO was a "we have attempted delivery" card was issued to them on the 19th March BUT never collected so I arranged for re-delivery again a card was issued BUT they collected and signed for it on the 10th April - so where do I stand? I do have the original receipts for the Recorded delivery.

 

And yes that is all I recieved from CFO - no default notice, no chase emails/letters not even the copies of the CFO resolve emails.

This mornign I have woke to a text from them stating "your balance is still outstanding. After review of your account we are willing to settle your balance with a 50% discount. Call 02080451382 now."

 

I wonder if this is 50% of the £940 or the £375

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Isn't it against OFT or FSA/FCA regs to encourage people to take out more debt to pay a debt??????

 

They need reporting

HTH (Hope This Helps) RDM2006

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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OK Cash choice get the letter before action (LBA) give them a further 7 days to comply with your legal request, failure to do so will resort to you making a formal complaint about them to the ICO.

If they still ignore your 7 day timescale, then make the complaint to the ICO and ignore anyone else until the ICO have conducted their inquiry.

 

CFO, 40 days from when they signed for it, again allow them the full 40 days, when they fail, they get exactly the same treatment, the LBA then the ICO if they fail.

Ignore the texts, keep a diary of events and forward those texts to 7726, they are then marked as spam.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

This is where I stand today:

Letter to Cash Choice - Tracking website still say's its going through their system. (Posted 10/06/2013)

 

Letter to CFO - Attempted delivery 12/06/2013, I gave 5 day's for them to rearrange, I called and was told that I had to call back on the 21/06/13 to re-arrange delivery as the sender.. did that - redelivered & signed for at 24/06/13 @08:32

 

Today I've had a call from Money Resolve 02035387508 (I was waiting for a call from a friend working in London) they baiscally went on and said (without me supplying any info) "We've been passed your number by someone as you are struggling with debt and can not make a repayment.. I asked who - the guy said CFO - I then told him I've quickly googled your number and your CFO - I owe nothing send me paper work or take me to court - if you dont like it go and F*** yourselves, and that goes for IOWYA as well. He promptly said so your saying you owe nothing so I hung up. Tossers.

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Its their new little con to harvest info and to take money from accounts illegally

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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I've been told by the post office to make my a claim for the missing letter to Cash Choice.

Whilst filling out the application form I require Cash Choice's contact info ie Telephone, Email etc, I've googled for the site but when selecting Contact US, I get a HTTP 404 error - and that is on everyone of the links on the site http://www.cashchoiceuk.com/Default.aspx

 

Is this company now no more??

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Could just be a fault on their site.

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...

Thought I will give an update.

As of yesterday still nothing more from Cash Choice OR CFO.

 

Saying that I am still receiving emails and text's from CFO offering a product called resolve, as long as I take out a further loan with them (of upto an extra £75) where they will remove all the charges.

 

In addition to the CFO texts & emails I'm also getting them from both BRISKBUCK and IOWEYA which I believe is all under the same group as there registered address is Snakes Land (Snakes how ironic). I've visited the sites and have seen they want Card and bank details to progress with loans.

A quick google and it says that both of these will will share the bank and card information with other associates to and empty bank accounts.

 

Yesterday I submitted the ICO complaint form, thought if I am going to get this cleared up via court its best to cover myself by doing the ICO/FOS ect.

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CFO and IOWEYA????Are the same company, they have exactly the same CCL, DPA number and registered number/address.

 

Complaining to the ICO is good, but they all need reporting to the OFT&TS too. Offering you unsolicited loans which create more debt is a very devious unethical work practice which the PDL companies have yet to feel the wrath over.

 

The APR these cowboys apply is fantastically criminal, how on earth they ever got their CClicense I'll never know!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

While not too relevant, just checked the OFT CCA search function and IOWEYA do NOT appear on there. This is in breach of their licence.

 

BB is correct in that they share their licence number but the only trading names are:

 

Cfo Lending Flexible First Money Resolve Paycfo Payday Advanced Payday Credit Payday First

I would report them

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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  • 2 weeks later...

Just recieved a lovely picture email from CFO Titled Christmas Offer from a [email protected].

 

Picture of a big christmas tree with the following wrote on the picture:

"MY NAME" we have been trying to contact you for some time now. Your outstanding balance has now been updated on your credit report with Experian and will now affect your credit score.

 

To resolve this, we are willing to offer you a fabulous discount offer to pay before Christmas.

 

We will be willing to give you 50% off the below balance

 

Your balance = £930

 

 

We are even willing to let you pay this off in 3 equal installments, as long as the first payment reaches us by the 30/08/2013

 

Please call today on 0208 045 1382 and quote xxxxx

 

Or alternatively please fill in the details below.

 

Your arrangement

 

Settle in one payment Yes/no

 

Settle over 3 payments

To take advantage of the 3 payment offer, Please note the first instalment will be required no later than the 30/08/2013 and then again for the following two months (Sept & Oct 2013)

 

First payment date --/08/2013

Second payment date --/09/2013

Final payment date --/10/2013

 

Please select your payment method – Direct Debit/Debit Card

 

Direct Debit

 

Account Number: ________

Sort Code: ______

Bank/Building Society: ___________

Branch: __________

 

Debit Card

 

Bank/Building Society: ___________

Name on Card: _______________________

Long Card Number: ____/____/____/____

Start Date: __/__

Expiry: __/__

CVV: ___

 

Please now send this back to the email address – [email protected]

 

50% is greater than £375 CFO resolve offer - either way, I still dont owe a penny - they cant even supply a proper Credit agreement, account history or anything else i requested within the SAR.

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How are you getting on with those complaints?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello All,

 

Address for CFO Lending,

Copper House

88 Snakes Lane East

Woodford Green

Essex

IG 8 7HX

 

E-Mail: [email protected]

 

Hope it helps someone.

 

 

"EXEMPLO DUCEMUS"

 

I have just taken the details from a current agreement.

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moved you to the cfo forum

 

plenty to read here.

 

not one thread has ever resulted in anything bad happening if you just ignore them.

 

shame about the cra file though

 

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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ICO have responded to my Cash Choice complaint:

Thank you for your further correspondence about a request for personal data that you have made to Cash Choice UK.

 

Complaints to the Information Commissioner’s Office (the “ICO”)

 

When we receive data protection complaints our obligation is to make an assessment. An assessment is the ICO’s view as to whether an organisation has complied with the requirements of the Data Protection Act 1998 (the “DPA”). We do this by saying whether we believe it is likely or unlikely that the organisation has complied with the DPA.

 

Our aim is to ensure that organisations deal with personal information properly. Our assessment decisions can help us to advise organisations on how to comply with the DPA going forward and decide whether we should take formal regulatory action against a particular organisation.

 

Our Decision

 

You are concerned that Cash Choice UK has not provided you with a response to your request for personal data originally made on 18 March 2013. You have provided evidence that your subject access request was received by Cash Choice UK.

 

Section 7 of the DPA requires an organisation to respond to any request for personal data within 40 calendar days. From the information you have provided, it appears that you have not received a response to your request within this time limit. It is therefore unlikely that Cash Choice UK has complied with the requirements of the DPA in this case.

 

Next Steps

 

We have now asked Cash Choice UK to provide you with a full response to your request within 21 calendar days and provide you with any personal data you have requested to which you are entitled.

 

If you do not receive any response from Cash Choice UK within 21 calendar days, please contact us again.

 

This assessment has been based on the evidence that you have provided. If Cash Choice UK is able to provide evidence to demonstrate that it has in fact responded to your request of 18 March 2013, we can take this into consideration and may change the outcome of this assessment.

 

Most organisations want to put things right when they have gone wrong and learn from complaints that are raised with them. Although we are not taking regulatory action at this time, we have asked Cash Choice UK to consider the information we have provided in order to prevent the situation from happening again.

 

We will keep a record of your complaint and take this assessment decision into account if we receive further complaints about Cash Choice UK. The information we gather from complaints may form the basis for action in the future.

 

Thank you for bringing this matter to our attention.

 

Yours sincerely

 

Now I have to wait another 21 days

 

What happens after this?

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Just wait it out. Its not a quick process but it all adds up

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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  • 2 weeks later...

Has a reply from CFO following the ICO's intervention.

 

They have sent through exactly the same information as before!

 

[ATTACH=CONFIG]46192[/ATTACH]

 

Note that there is no Acceptance signature or date area for both the client and CFO, all this seems to be is a contract that doesnt even quote the charges which they have decieded to apply to the alledged debt.

 

They havent even supplied information relating to previous agreements, details of "Roll Overs", or details of where the funds were paid into.

 

now I've looked through bank statements and can see the dates CFO loans were taken out and repaid but there is no "credits" to the account for the period stated or the amount stated.

 

The entries on statements are as follows:

 

01-Dec-10 CAPITAL FINANCE ONE* 250.00

21-Dec-10 CAPITAL FINANCE ONE* -250.00

21-Dec-10 CAPITAL FINANCE ONE* -97.50

21-Dec-10 CAPITAL FINANCE ONE* 275.00

27-Jan-11 CAPITAL FINANCE ONE* -107.25

28-Feb-11 CAPITAL FINANCE ONE* -275.00

28-Feb-11 CAPITAL FINANCE ONE* -107.25

 

Yet they have failed to metion any of this within the SAR.

 

Is it a loosing battle with these clowns, its the Default on the Credit Report which is the annoying thing.

 

Still nothing from CashChoice.

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