H All. Am new to this thread but not new to the issues! I took out a loan with CF1 and stupidly couldn't pay back. I rang them before it was due to arrange to pay some and then monthly thereafter. They refused. I continued to email daily. They ignored every email. My balnce of the loan plus interest was around £600. It is now £1434.68.
I have had texts from REMOVAL (!?) & McCall and all the same as above. I spoke to some bloke at McCall weeks ago who told me I already have a CCJ aganst my name. I asked im which court, he couldn't tell me. I said well whats the court reference number? He said "I don't have your paper work, I'm not in the office!"
What a pile of turd. Anyhow, have still had texts but no contact from CF1 - I have however placed a complaint with FOS for excess FINES and interest. I haven't heard a ting due to a backlog although they have contacted CF1 for their side of the story.
Then, today I rceive a letter from Mitigate Trace & Collect. I called them knowing what the response would be. They guy asked for payment (different to whats on the letter). I said I'm not calling to pay, just to advise you that I will not be doing anything until my complaint is resolved. He then launched into a load of abuse, called me stupid, laughed out loud and said that someone will know on my door soon to collect goods. I told him I know how that is not possible. I have had no court contact and they are not a registered bailiff! He siad they are and they can do what they like. I told him that would be theft and therefore would involve the police. He said they'd arrest me for not paying up!! hahahahahah! I told him he's a jobsworth and to get a proper job. Just for the hell of it!
However, I did ask for their Companies House reference - 7937691. Look this up and you will see their Date of Incorporation is 6th February 2012!!! This week!!! WHat on earth? Also, the registered address is Clive House, 12-18 Queens Road, Weybridge, KT13 9XB. Use this for correspondance. I will be writing a letter to them and forwarding on all correspondance to the FOS. And now to every other body I can get my hand on.
May ring back now and record some abuse as back up......