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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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CFO Advice Urgent!


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Hi,

 

I got a loan last year with CFO and was unexpectedly made redundant a month later.

 

I went with a debt management company as I was getting no where trying to stop the interest and arranging a repayment plan.

 

I have been doing this since last August and everything has gone well.

 

Until last Thursday CFO took £300 out of my other bank account as a card payment.

 

I have never ever given them my card details or account details.

 

I am also not sure if it is for my loan or someone elses.

 

I am wondering what my rights are here as I have never ever given them permission to use my TSB account.

 

The one I used with them was Natwest.

 

Also what should I do?

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We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

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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Hi,

 

Cheers for the response.

 

The problem is I have never ever given capital finance these bank details

I don't know where they got them from.

 

I only used my natwest details with them.

 

So they have gone into my account without my consent.

 

I made sure no pay day people had my new bank card

and have never given the tsb account details to cfo.

 

Surely if I have never given them my tsb bank account

and card details they have no authority to use them.

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you've given them to some PDL company or loan website

or more prob, the fee paying DMP company.

 

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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Share on other sites

Have you given your new bank details to ANY payday loan company.

 

CFO have been spoofing people recently with a "new product" called CFO resolve. They say they'll give you cash today and add your old debt to it... Simply to get hold of your new card and bank details.

 

You need to report this transaction to your banks fraud team. Tell them it was an unauthorised transaction and you want a chargeback. Report it to the police also if need be

It never rains but it pours...

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Yeah i'm going to do that just wanted to make sure I was within my rights to do that.

 

So if I talk to the fraud team and get my money back as I never gave my details to cfo lending that would be ok.

 

Its disgusting that they can get your details from anywhere and just use them without your permission. Its scary.

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Very scary!

 

If you'd had an association with CFO via your bank they'd try and tell you that you can't do anything about it.

 

Yes, contact your bank ASAP (if not sooner) and tell them you wish to report a fraudulent transaction on your account. Demand a chargeback. They may well try and fob you off with "you need to wait 14 days", tell them No, not 14 days, NOW! Keep going up the chain, supervisor, team leader, manager etc.

 

Let us know how you get on

It never rains but it pours...

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  • 1 month later...

I'm sorry if I'm hijacking this thread

- I don't mean to but just to add to the OPs complaint about them obtaining details not given to them... They did the same to me!

 

They swiped almost £300 from my new bank account 2 days before Christmas, even though I had a payment plan in place with them via a DMC.

 

When I confronted them about it, they told me that I had reapplied for finance with them and therefore gave them my new card details and permission to use them.

 

I can say that at no time after taking out my original PDL with them, did I apply for finance with them or with any other PDL.

 

I asked them to give me the exact dates and times to which I applied and they couldn't.

 

I was fortunate enough to get my money back via a chargeback but I have never been able to find out how or when they got my new details!

 

Hope you get your money back!!!

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And.... scarily enough, the account details they originally had were with Natwest and the new details they got, from god knows where, were Lloyds TSB.

 

I am convinced they somehow got my details from my DMC although the DMC strongly deny that that could've happened!

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I really do hope that not a fee paying DMC?

 

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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Share on other sites

I really do hope that not a fee paying DMC?

 

dx

 

:-( Unfortunately it was...

 

I have seen the light now though (after that issue anyway! There've been other issues where contact details have been passed on and the only people to have those details are the DMC etc etc) and am now in a self managed DMP!

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most fees paying DMC's are intertwined with the creditors

 

 

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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