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Bpo/cash choice uk/uk cash on old Toothfairy/SpeedCredit loans

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Need Help please

Received a letter today from a company called BPO collections acting on the behalf off cash choice uk limited .

MCO Capital sold my account to cash choice.

I have never received any letter from MCO or cash choice about this debt .


I got a payday loan for £400 from MCO IN 2011 but I got into trouble

and asked for a payment plan which they refuse and I never heard from again.


In the letter a received today the original loan was £400 and now the current outstanding amount is £1155


in the letter as a gesture of goodwill cash choice have given Bpo permission

to accept the original loan amount of £400 in settlement of my account.


I have not got £400 and there no way I can set up a payment plan for £1155


Can anybody please help

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Regarding BPO,



I should think that you are not the only one to receive a letter from them.

As I also received one.

If they can knock £755 from your debt, there could well be something wrong with the debt.


They were offering me a reduction of £557.30, but my case is different, as mine is paid off.



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Hi there

I've also received a letter from BPO collections and they reckon I owe £129 from a debt from 2012,

for a start who are cash choice uk and if I had something in 2012 it would have been settled.....


My argument is that I've got no proof it's been paid off or even I had a loan from them...


Bit worrying.....

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Regarding BPO,I should think that you are not the only one to receive a letter from them.As I also received one.

If they can knock £755 from your debt,there could well be something wrong with the debt.

They were offering me a reduction of £557.30,but my case is different,as mine is paid off.




Hi John. I have received a letter too, despite having paid off my loan. Have you spoken to them yet?! Just wondering what they said before I call them this morning!



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Check your credit file FIRST.


Read the letters carefully, it's all full of ifs, may, and could, NOT will.


Do your homework first before even thinking of corresponding with these fleecers.


If they are offering you such a huge discount, then this is because they have fallen foul of responsible lending, regs and they know it, so are trying to avoid investigation hoping to exploit your lack of knowledge and mug you off.


Others will be on later to advise, DON'T do anything until after the weekend.

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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Check your credit file FIRST.


Read the letters carefully, it's all full of ifs, may, and could, NOT will.


Do your homework first before even thinking of corresponding with these fleecers.


If they are offering you such a huge discount, then this is because they have fallen foul of responsible lending, regs and they know it, so are trying to avoid investigation hoping to exploit your lack of knowledge and mug you off.


Others will be on later to advise, DON'T do anything until after the weekend.


Thanks for the advice.



I have checked my credit report last night and here is nothing on there.



I stupidly had a loan with them in 2013 (which was paid off),

so I was going to call them and ask what date the outstanding loan is from.



Then I was going to email them asking why I had received the letter as I never discuss anything with these sort of people over the phone!



All needs to be in writing!

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As Bazooka Boo has stated,

do not phone them and lets wait until after the weekend.



This will give us a bit of time to see if anyone else has received a letter and we can collate the information.


My paid up loan was with Speed Credit, paid back the following day.


Here is another poser in the equation.



Speed Credit was CIM Technologies,

so how is it that MCO Capital have sold my so called loan.



They were both operating under different licences,

but we all knew that they were feeding from the same trough.


If these loans are enforceable,

why has there been nothing on peoples credit files during the last 3-4 years.



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Have you ever had a Pay Day Loan,

because a lot of these companies operate under various names.



I think CIM Technologies and MCO combined,



operated under roughly 40 different names.



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These companies are Speed Credit and Paycheck and I've never had any from these,



in 2012 I only had a couple from Wonga and Mr Lender..

..Don't use them nowadays


....also I've never defaulted

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As BPO are making collections on behalf of Cash Choice UK,

who are Cash Choice UK.


There are is 1 director,

a Mr Whelan,

the registered office is a private house.


There used to be another director,

an American called Mr Vickers.



There is some information about him below.


Cash Choice UK Limited is another firm owned in a US state where its interest rates,

advertised on its website as 3,491% APR, would be outlawed.


The firm is owned by US citizen David Vickers,

president of Cash Choice Inc, based in Atlanta, Georgia,

where payday loans have been banned for more than 100 years.


A statement on the Georgia governor’s website says:

‘Payday loans have become a multibillion dollar industry in recent years.



Nevertheless, it is illegal in Georgia to make a payday loan.


‘(The) law authorizes felony and racketeering charges against violators,

as well as fines of up to $25,000 per violation and a possible jail sentence of 25 years.’


The whole article can be read here.



It also exposes the murky dealings that some high street banks have with PDL companies.



The article is about 3 years old.





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BPO only administer accounts, my genuine thoughts say to ignore them.


I e-mailed BPO earlier in the week asking for a notice of assignment

- I don't believe anybody actually owes the debt in any legally enforceable way.



It may be another attempt to recover/intimidate people into repaying.



Here was the response:



"Good evening,

MCO sold all the accounts they had on their books,

unfortunately there is only one notice of assignment to cover all the accounts which were sold,

because all the names on every account is on the assignment Cash Choice would be breaking the data protection act by supplying you this information,



however a letter was sent to you containing the below information"



Is this correct?



I have asked to redact all other individuals;

I won't hold my breath.

Edited by beerinsurance
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Looks like it is not enforceable:

Cash Choice UK have no licence as it expired in Feb, 2016.


I found this on another site:


Last week I received a letter from BPO collections to advise me that they have been asked by Cash Choice UK limited to collect a repayment for a loan taken out in 2012.



I had never heard of Cash Choice UK Limited before and from the letter I managed to work out that a loan I had taken out in 2012 through Speed Credit was now claiming to be owned by Cash Choice.



This letter came as quite a surprise as since 2013 both myself and Payplan,

who I was using to run a debt management plan,

had tried to contact the various companies who now claimed to own my original debt from Speed Credit,

which seemed to change quite frequently, finding many attempts at communication and repayment to be unsuccessful.



I contacted BPO regarding this and they advised me that even though Cash Choice claimed I owed over £1000 I could repay the original loan amount of £400.



I explained the situation and lack of response from the previous owners of the debt to BPO

and they agreed to put the account on hold whilst I contacted Payplan and various other forms of support with this matter.



The most useful conversion I had that afternoon was with the Financial Conduct Authority.

They advised me that they couldn't check the original owners of the credit

(Speed Credit, MCO Capital, Web Processing Ltd to name a few)

but they could check on Cash Choice and BPO to check they are authorised to own or collect this debt.



It turned out that Cash Choice UK Limited are not licensed by the FCA as this lapsed in February 2016 therefore cannot legally lend or own such debts.



Although BPO are a genuine company who are authorised by the FCA they couldn't collect this debt due to Cash Choice's lapse.



The very helpful lady at FCA gave me the registered phone number for BPO to check I was indeed contacting the legitimate company which it turned out put me straight through to the managing director of BPO.



After explaining the information given by the FCA he took no time in looking into my information, finding out it was indeed correct and closed the account and any attempt to reclaim this debt!



I have since received both and email and letter from BPO to confirm they have closed the account and apologised for contacting me,



If any one else has had the same issue then I hope that this information will help you to sort out your issues with unauthorised companies too!

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The plot thickens even further.


I always thought that MCO Capital had been closed down,

but the site below shows otherwise.



The fourth line down (15 July 2015) shows the Strike Off,

as discontinued.


The seventh line shows the director,a Mr Paul Micheal Whelan.




Now,who should be the director of Cash Choice UK,no other,but Paul Micheal Whelan.




I will post further information later.



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Regarding Cash Choice UK LTD,this is off the FCA website.


Firm Name: Cash Choice UK Ltd

Interim Permissions Reference Number: 637661

Current status: Lapsed

FS Register Status Effective Date:

Interim Permission End Date: 08/02/2016

Firm Reference Number:

Principal Place of Business Address: 17 Marble Street Suite 701


M2 3AW

Registered Office Address: Russell Bedford House City Forum 250 City Road




It seems that their permission from the FCA has lapsed as of 08/02/2016.



If some of our knowledgeable members can shed some light on this ,it would be appreciated.


Regarding MCO Capital Ltd,

this is the poser.



It seems to be is still operating,

but everyone one was led to believe that it was closed down.



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I am afraid that this article is becoming to complex for me,

there are a few names that keep cropping up time after time.


Different companies that seem to be run by the same people or were run by the same people.


MCO is part of RTF Financial Holdings


Members that had dealings with MCO Capital,

might remember one of the previous directors,

Tuomo Kari Kustaa Maki


.Here is an old company list of directors and present director.




Over the last couple of years

,members who have had a loan with Speed Credit etc,

may have received emails from Digital Financial Services regarding payment.



read the following,

which is from March 2015.


"Companies controlled by Maki,Chowdry and Oranne,

appear to be collecting or attempting to collect on it via diverting customers from the MCO website.


In addition,

MCO customers have been contacted directly by DFS demanding payment be made only to DFS via online facilities

or directly into an unrelated bank account."


The above can be found in section 33 of the below site.


The majority of articles regarding MCO are from sections 26-37.


Appendix 1 mentions the likes of Motor Mile,Capital Resolve etc.


Appendix 5 relates to emails, now who should be on them, Paul Whelan.


This is part 2 of an official document made up by Price Waterhouse Cooper, relating to a court case in Canada.




Here is part 1.





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don't get fleeced is the by-word here.




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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  • 3 months later...

Just an update.


I presume other members will have or will be receiving an email from United Kash regarding the old Toothfairy/SpeedCredit loans.


It seems strange that in April,

BPO were collecting for Cash Choice UK.

Now,United Kash want it.


Here is a copy of the email.


This letter has been sent to you in respect to an outstanding amount due, originally issued by MCO Capital Limited(Trading as SpeedCredit).



We assume that this matter is an oversight on your behalf and request that you call United Kash and pay the amount due £4,239.84.


If you wish to get into contact to discuss your loan, please call United Kash Limited on 01473372210 or email [email protected]


If you are experiencing financial difficulties we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. We have suspended further action until next week and look forward to receiving your payment in full or a re-payment proposal from you by 17/08/16.


Yours faithfully




Christopher Prime


United Kash Limited

United Kash Limited is authorized and regulated by the Financial Conduct Authority in relation to Consumer Credit Activities and Debt Collection. It is registered on the Financial Services Register under Interim Permission number 672388. It is registered in England and Wales with Company Registration Number 06890816. Its Office: Office 21, Epsilon Business Centre, West Road, Ransomes Euro Park, Ipswich Suffolk IP3 9FL.


In April,

it was £400,

now it is over £4000.


I have been looking through old records and I paid SpeedCredit off on 30/03/12.

But they disputed it but eventually closed my account.



They also issued me a default notice on 30/04/12.



The default notice and all records of SpeedCredit were removed from my credit file around August 2012.


I still have the computer print out that the bank gave me regarding my payment.


Should I wait to see what progress United Kash will make,

or is it a Trading Standards/Action Fraud.



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IMO, I would simply file their missive away, keep tabs on your CRF and see if they're doing any searches on your file.


This will be one of those 'admin errors' they continually do.


You have the evidence you paid it off, the ''oversight'' is theirs, not yours.

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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Bazooka Boo.

Thanks for the reply,I am not really concerned regarding their antics,but someone else might pay up.

I have phoned BPO collections this morning to get some information.Without revealing why,they informed me that they returned all Cash Choice UK accounts in June.



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