I have now spoken to Capital Finance One and they have said because i applied for a loan and a broker passed their details onto them they have used my details to clear my account of £588.00 They have point blank refused to refund the money when I need it for rent and tax payments.. I have spoke to the bank and they have said they cant do anything until the payments have cleared from my account:... I have also received this email ... Good Afternoon Thank you for your email. Your account with us is now settled and closed. The last payment made to us was on 27th April 2012. Should you have further queries regarding your account please email or call collections on 0208 045 1382. Kind Regards Frankie CFO Collections Team Can anyone suggest how I can play this with CFO so they refund me urgently?

Hi all . Over the bank hol I have had over £500 taken from my bank account from CFO when I already have a debt plan set up and agreed with the CCCS and them. The bank have told me I have to speak to the company to get it back but I know they wont simply refund and it is my rent and council tax money they have taken. Can anyone suggest what action I should take as I have tried to email CFO this morning and had no reponse yet and need the money back urgently to avoid being evicted or in rent arreas. I have proof they have accepted my debt plan payments over the last 3 months. thanks Emma

Hi all . I am in the same situation. Over the bank hol I have had over £500 taken from my bank account from CFO when I already have a debt plan set up and agreed with the CCCS and them. The bank have told me I have to speak to the company to get it back but I know they wont simply refund and it is my rent and council tax money they have taken. Can anyone suggest what action I should take as I have tried to email CFO this morning and had no reponse yet and need the money back urgently to avoid being evicted or in rent arreas. I have proof they have accepted my debt plan payments over the last 3 months. thanks Emma

No problem thank you very much for your help you cleared up some questions I had

I will contact them today and ask about advertising the property myself. I am currently with a debt management company. If I wish to move out the property and I need to continue to pay my £275 (half the rent) could this be added onto there so I can afford rent on another property? Sorry for all the questions.. as you can imagine this is so confusing for a young independant female.

Thank You for your response Are they able to re-advertise the property at £595 if I am currenlty paying £550 ?

Hi all I have signed up for a 12 month joint tenancy with my partner during January 2012. Since singing the agreement we have gone our seperate ways and he is no longer relocating to live in the property with me. We have communicated with the letting agency and paid to re-advertise the property. I need some advice on how I can get out the property asap as I need to look for affordable alternative accomodation with my local council. Since moving in the property we have came across the following issues with the landlord/letting agency : - They refused to let me decorate the property (even though it was the same colours as they had just to freshen the place up) - They have readvertised the property and sent me no receipt of the costs and taken it from my bond - It took them over 1 week to re-advertise the property - They are letting the property for £550 to me and have readvertised the property at £595 so this will mke it more difficult to get tenants attracted to the property - I asked for permisson for 2 weeks to see if I could get a pet dog to live in the property now I am a young female living alone. They kept replying we will let you know tomorrow! - The inventory was really poor and basic - I have sent them pics of problems I have found in the property to prove I didnt cause any of the damage. I am still waiting for an updated inventory as I have not signed the orginal yet. - I asked for a second copy of the tenancy agreement as my expartner has the original. Still awaiting a response - even though I have now managed to get a copy of my ex. - I informed the letting agency my phone was broke so they need to communicate via email. Still trying to leave voicemails on my broken phone. I am really dissapointed with the company as I feel once you are in the property they dont care about you as long as you paying the rent. Can anyone please advise how I could get out of this agreement as soon as possible as I have been trying to speak to my local citizen advice centre however they are really difficult to get in touch with to make an appointment. Any little bit of info will be a big help Thank You Emma

Can you please PM me your email address to discuss further Dx ..thanks gibbo

Thanks for that advice I will phone the bank tonight and hopefully they will refund. I really wouldnt no where to start if i didnt use a debt management company as I know how aggressive these companies can be Vincent Bond are charging £20 a month for them to deal with my payday loan providers. I feel i cant negotiate with the payday loan companies as they wont accept any resonable payment plan I offer.

I have recently passed all my debts to Vincent Bond (debt management company) They are in talks with my payday loan providers and hopefully should be agreeing to a payment plan soon. I am receiving letters threatening home collections etc and harrassing calls and Vincent Bond are being excellent providing me with advice on how to deal with this. However, In between changing accounts I have noticed that two payday loan providers have taken two payments of £125.00 and £129.00 from my account today before I could close the account on time. Is there anyway of getting these payments back if I report them as not agreed to my bank as I now have £20 to last me all month and do not want to resolve in applying for another payday loan!! Thank You Gibbo

does anyone have the email address for mckenzie hall?

My advice is be patient until a collections manager tries to get in touch.. dont feel pressured or worried about repaying the loan yet.. just try enjoy your own money! I had sleepless nights wondering whats going to happen next but I stook to my guns and kept sending email after email with the payment plan. A collections manager call Alan sent me an email saying he would help me set up a payment plan. As soon as I called Alan he was very understanding and we set up a payment plan over 7 months. I am also able to pay via standing order so they have no access to my bank account at all.. once the payment plan is set up ... STICK TO IT!! .. your account will soon go down with no more calls from the company. Hope this helps!

i have not had any phone calls from them "touch wood" just letters as i dont think they have ever had my phone number... they are very reluctanct to set up a payment plan and when i did try and phone once the person on the other end of the phone didnt have a clue what i was talkin about! .. wish they would accept my payment plan then all my payday loans should be clear by march 2010.... we can all wish!!

How did you agree a payment plan with them I currently owe £604 and they wont listen

Have you dealt with the FOS before? will they be able to stop him making these calls?

http://www.consumeractiongroup.co.uk/forum/payday-loans/229443-ptp-listen-guys.html here you go

Im not sure how to do that... its a new thread ..go under paydayloans and ive named it Ptp - listen up guys... hope this helps?

Have a look at my other thread Ptp - listen up guys thats where im at ..at the moment.. your advise will help!

26th Oct I defaulted and I posted and faxed the harrassment letter.. they have it on file when i log into my account i can access the copy they have on my records!

so should we all have bets on he will call again soon? ... he may have noticed that when i reply to his "emails" I have also copied on the OFS so they have the stubborn reponses. hurry up clarity i say i want this paid and gone!

Thing is i do have intentions on repaying the loan this is why i have contact clarity direct asking them to take it over,... ive sent all emails and letters to the FOS now have you dealt with them before and will they help?

Gavin is really intellecutal thats why he wrote what he did in his email for me to pass straight to FOS

Right here is the situation... I have defaulted with PTP - I gave them notice to say I was going to default and I have sent them an harrassment letter to stop phone calls.. They have choose to ignore all letters (which they have on website showed they have recieved) and have decided to start the calls. they phoned me last night at home - I said you have the wrong number and they said "I KNOW ITS NOT AND I WILL BE CALLING AGAIN!" in a threatening tone! I phoned them today to try and deal with the company direct and I was told if i dont pay "DOOR TO DOOR COLLECTION AGENCY wil be used" So... I have taken this to the OFS. I have filed an offical complaint and copied in the advisor at PTP. This is my email to PTP.... F.A.O. - COLLECTIONS Dear Gavin I am writing to inform you that I have made a complaint to the Financial Ombudsman regarding my customer service I recieved from Poundstilpayday. They have copies of all correspondance I have from your company and yourself. With regards to the harrassment letter your company recieved I do not wish to recieve any futher phone calls from your company. I spoke to your colleague this morning and informed him I would be calling back at 1pm to discuss this further but I have decided to take this to the FOS to deal with professionally. I will no longer be making contact with you. The Financial Ombudsman will be acting on my behalf. And this is the email I got back..... GIBBO., This is completely unacceptable. You have no grounds whatsoever to make a complaint. The least I expect is the coutesy to explain your situation. I will continue contact with yourself over the next month regarding this matter regardless of whether you are contacting the Financial Ombudsman or not. I would therefore advise you to cooperate regarding this matter. Gavin Armstrong. Can anyone please tell me where I now stand with these threatening phone calls????

Hi I recently defaulted with PTP and they are now harrassing me I have sent them the harrassment letter and they are continuing with the calls .. Can anyone suggest how I can stop the calls..I have asked them to pass this to clarity and they keep saying they wont Help anyone???

Here is the reply I got from them: Dear Not a problem. We have two postal addresses. Our head office is at: Level 8 Plaza Commercial Centre, Bisazza Street, Sliema SLM1640, Malta We have a UK address which will forward your letter to our Head Office in Malta: Commerce House 1 Bowring Road Ramsey Isle of Man IM8 2LQ You can also fax the document to us on 08000 66 45 27. Make sure to quote your National Insurance Number.