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    • Thank you. Can you tell us who replaced the rear brakes in June 2019? Who paid for it? One slight problem here is that the amount of money you are dealing with is in excess of £10,000. £10,000 is the County Court small claims limit. When you bring a small claim – less than £10,000 – then even if you lose, you won't have to pay the costs of the other party. Over £10,000 and you will have to pay if you lose. On the basis of what you say here, you have absolutely no chance of losing but on the other hand the fact that you would have to bring the claim on the fast track brings comfort to the other side and they are more likely to employ tactics to intimidate you with the spectre of costs hanging over you in the event that you lose. This is something to take into consideration. You have two choices. One would be to consider claiming for the refund of the entire price plus any ancillary losses. The second would be to claim for repairs. On the basis that repairs will be considerably less than £10,000 I think that I would suggest you go for that. This means that you need to get the car thoroughly examined and get a quote for repairs and generally speaking putting into a proper roadworthy condition. In fact you would need two independent quotations. You would then, with our help, enter the pre-action protocol which would essentially threaten the dealer and also the finance company with 14 days to sort it out or else you will bring a court action and without any further notice. You would only make this threat if you decided to go ahead with it. It's not worth bluffing. Both the dealer and the finance company will probably use all sorts of tactics to delay and to prevaricate. You must not allow yourself to get dragged into any kind of protracted discussion. You make the threat. 14 days. Day 15 – you send them the good news. Once they have the court papers they will then start to realise that you are serious. The finance company will put pressure on the dealer and someone or other will put their hands up. It's up to you if you want to get involved in this kind of action. If not then I think you're going to have a hard slog
    • Ok trying to move this forward. just got a statement with £260 agents fees added even though they have no collected the car! Am I right in thinking this is illegal?   Moving forward is it best for me to submit an N244 with the court to try and stop them taking the car and for these unlawful fees? Could somebody advise what it is I’m asking the court to do as I don’t want extra time to pay as the account is up to date but I don’t want them taking the vehicle because I’m refusing to pay these agents fees!   could really do with some help  
    • The dealer is MK autos ltd in Milton Keynes.   We know the car was serviced by bmw once, as we called to ask but about 2 years ago.  The car was brought for £10,995 but with finance cost total will be £22,000.. Eye watering amount but again we was pushed into a corner. I needed a car my mum has terminal lung cancer and I do all the hospital appointments. We thought that we would be safe for a while at least.   Again I forgot to mention that although the car had a "service" the rear brakes went and were replaced on the 15th June 2019..   We have paid so far in total £2260 in 6 months.   I am prepared to fight this!!  
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steuts1

CFO state on the phone that will lose me my job if i dont pay up

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I received a text message today from CFO,

which said they had contacted my employers regarding a debt with them.

 

I was furious and called them straight away,

what happened next beggers belief..

 

I spoke with an advisor and said I did not want any calls to my employer

and to contact me by mail only, he said

 

" we will continue to call your employer until you pay us what you owe us,

no matter how many requests you put in. I will call them ten times tomorrow "

and then hung up on me,

 

furious I called back, spoke to another advisor who said that I could contact OFT with a complaint

but that didn't alter the fact I was a thief as I had not paid all money back "

 

surely it cannot be legal to speak to people like that irrelevant if you have outstanding debts or not ???

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correct

 

hope you recorded the calls?

 

dx


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No was to angry at the time to think straight, but I know that they have to record their calls, did write down time and date calls were made

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totally unlawful

 

go tell the OFT.

 

they have no legal powers anyhow

 

either ignore or act.

 

did they actually phone employers

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Also cfo wont record any calls. Never have, never will.


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,

 

 

not posted for awhile but have a new problem now.

 

 

I had a loan with CFO Lending,

 

 

I have asked for information,

all the usual paperwork,,

deed of assignments,

notice of default etc..

 

 

I have supplied account number and given address on the letters along with name and signed signature.

 

 

I have requested this in 4 letters,

along with copies of original complaint letters from last year, where their advisor called me a thief amongst other things !!

 

They just kep sending me a letter back saying they will not start investigations into the account until I supply them with and I quote ..

Full name

Address including post code

Date of Birth

Landline telephone number

Mobile telephone number

Employer details

Employer telephone number

Name of Bank

Bank account number

Bank sort number

 

 

Are they even legal requirements ??

 

 

And how do I move on with this,

 

 

I'm certainly not providing any employer/bank details.

 

 

So what next if they wont send me the information I need ??

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old and new threads merged

 

 

why are you still entertaining these muppets?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Deed of Assignment - You wont get that...

 

CCA Agreement, you should. DX is right but if you must, Send them a CCA request and SAR, then they cant deny it :)

 

Also drop this man an email;

 

james.keeble@cfolending.com

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Hi,

 

 

not posted for awhile but have a new problem now.

 

 

I had a loan with CFO Lending,

 

 

I have asked for information,

all the usual paperwork,,

deed of assignments,

notice of default etc..

 

 

I have supplied account number and given address on the letters along with name and signed signature.

 

 

I have requested this in 4 letters,

along with copies of original complaint letters from last year, where their advisor called me a thief amongst other things !!

 

They just kep sending me a letter back saying they will not start investigations into the account until I supply them with and I quote ..

Full name

Address including post code

Date of Birth

Landline telephone number

Mobile telephone number

Employer details

Employer telephone number

Name of Bank

Bank account number

Bank sort number

 

 

Are they even legal requirements ??

 

 

And how do I move on with this,

 

 

I'm certainly not providing any employer/bank details.

 

 

So what next if they wont send me the information I need ??

 

Have you made your request under a Subject Access Request ? Included the statutory £10.00 fee ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

If so, and they have been in regular contact with you, then they only require your name, address , account number. Nothing else. You can make a complaint to the Information Commissioner if they demand anything else.


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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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I thought that the FCA had told them to be a bit more thoughtful on these?

 

I think they did, but when did these companies ever listen to the regulators ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Does anyone know if CFO and Capital Resolve are the same people ??

 

 

Seems funny they have just popped up from no where

 

 

and I'm trying to get a complaint looked at by CFO.

 

 

Never heard of them myself ??

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been around for ages since 2011

 

 

normally buy up old PDL debts and fleece people blind.

 

 

simply read a few early threads fro this forum

 

 

you'll soon get the idea.

 

 

dx

 

 

 

 

ran the same tactics that MMF then started.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Not the first time this confusion has arisen. Capital Resolve are none other than 1st Credit in drag. And they should not be confused with Resolve Call who, in turn, are Scotcall in drag.

 

In fact the whole flaming species are a drag, but that's by the by.

 

steuts, I like dx am baffled that you would still, one year on, be playing ball with cfo.

 

You were advised last year to go to the then OFT. Did you not?

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