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    • don't sign it inc a ctax bill copy might be an idea to also enc a copy of the latest letter.
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    • Hi all,   I am trying to find out if anyone has issued a DSAR to an organisation, been ignored or given incomplete data, therefore the organisation has infringed the regulation and quite possibly caused material or non-material damage, and took them to Court over it?       https://gdpr.algolia.com/gdpr-article-82 Art. 82 GDPR Right to compensation and liability Any person who has suffered material or non-material damage as a result of an infringement of this Regulation shall have the right to receive compensation from the controller or processor for the damage suffered. 1Any controller involved in processing shall be liable for the damage caused by processing which infringes this Regulation. 2A processor shall be liable for the damage caused by processing only where it has not complied with obligations of this Regulation specifically directed to processors or where it has acted outside or contrary to lawful instructions of the controller. A controller or processor shall be exempt from liability under paragraph 2 if it proves that it is not in any way responsible for the event giving rise to the damage. Where more than one controller or processor, or both a controller and a processor, are involved in the same processing and where they are, under paragraphs 2 and 3, responsible for any damage caused by processing, each controller or processor shall be held liable for the entire damage in order to ensure effective compensation of the data subject. Where a controller or processor has, in accordance with paragraph 4, paid full compensation for the damage suffered, that controller or processor shall be entitled to claim back from the other controllers or processors involved in the same processing that part of the compensation corresponding to their part of responsibility for the damage, in accordance with the conditions set out in paragraph 2. Court proceedings for exercising the right to receive compensation shall be brought before the courts competent under the law of the Member State referred to in Article 79(2).  
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    • 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/
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      • 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.
      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
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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Hi, I was wondering if someone can help me decide if I have a claim for redress? I had 4 loans in total with CFO Lending (3 rollovers) at the same time I had multiple loans with other payday loan companies.


I have received a statement off CFO (copy attached). What is my next course of action?


Date Generated: 07/07/2016 Agreement No: Created Message Debit Credit Account Balance 20/07/2012 Principal £130.00 £130.00 20/07/2012 Interest £50.70 £180.70 31/07/2012 Deferrral Payment -£50.70 £130.00 31/07/2012 Deferral Interest £63.70 £193.70 14/08/2012 Interest Refund -£63.70 £130.00 14/08/2012 Proceeds to 2 -£130.00 £0.00


Agreement No: 2 Created Message Debit Credit Account Balance 14/08/2012 Principal £130.00 £130.00 14/08/2012 Further Funds £70.00 £200.00 14/08/2012 Interest £98.00 £298.00 31/08/2012 Late Fee £25.00 £323.00 03/09/2012 Deferral Payment -£98.00 £225.00 03/09/2012 Card Payment -£25.00 £200.00 03/09/2012 Deferral Interest £98.00 £298.00 05/09/2012 Payment -£98.00 £200.00 12/09/2012 Deferral Interest £98.00 £298.00 28/09/2012 Deferral Payment -£98.00 £200.00 28/09/2012 Deferral Interest £98.00 £298.00 03/10/2012 Interest Refund -£98.00 £200.00 03/10/2012 Proceeds to 3 -£200.00 £0.00


Agreement No: 3 Created Message Debit Credit Account Balance 03/10/2012 Principal £200.00 £200.00 03/10/2012 Further Funds £160.00 £360.00 03/10/2012 Interest £176.40 £536.40 31/10/2012 Deferral Payment -£176.40 £360.00 31/10/2012 Deferral Interest £176.40 £536.40 30/11/2012 Deferral Payment -£176.40 £360.00 30/11/2012 Deferral Interest £176.40 £536.40 31/12/2012 Deferral Payment -£176.40 £360.00 31/12/2012 Late Fee £25.00 £385.00 01/01/2013 Card Payment -£25.00 £360.00 02/01/2013 Deferral Interest £129.60 £489.60 31/01/2013 Late Fee £25.00 £514.60 04/02/2013 Card Payment -£25.00 £489.60 04/02/2013 Deferral Payment -£129.60 £360.00 05/02/2013 Deferral Interest £129.60 £489.60 13/02/2013 Interest Refund -£129.60 £360.00 13/02/2013 Proceeds to 4 -£360.00 £0.00


Agreement No: 4 Created Message Debit Credit Account Balance 13/02/2013 Principal £360.00 £360.00 13/02/2013 Further Funds £60.00 £420.00 13/02/2013 Interest £151.20 £571.20 28/02/2013 Deferral Payment -£151.20 £420.00 28/02/2013 Deferral Interest £151.20 £571.20 28/03/2013 Deferral Payment -£151.20 £420.00 28/03/2013 Deferral Interest £151.20 £571.20 30/04/2013 Deferral Payment -£151.20 £420.00 30/04/2013 Deferral Interest £151.20 £571.20 31/05/2013 Deferral Payment -£151.20 £420.00 31/05/2013 Deferral Interest £151.20 £571.20 28/06/2013 Card Payment -£98.80 £472.40 28/06/2013 Card Payment -£151.20 £321.20 28/06/2013 Card Payment -£50.00 £271.20 28/06/2013 Balance W/O -£271.20 £0.00

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Good Afternoon Jambo


Welcome back to CAG. So you dipped in with PDLs? Thats okay no judgement here.


So whats the deal with the situation. Do you ow them money at the moment?

Im not sure if you are aware but CFO have gone under... Well Sorta - http://www.cfolending.com/


Could you let me know and we can see how we can help.

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Get a complaint in ASAP. They were very quick responding to mine, from emailing the complaint to paying out was about 2 weeks.

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