They don't want to admit that they are !!!!!!!

I have had my debt handed back to CFO and was told they no longer use mt collect. I asked why it was no longer with mt collect and was just told "don't know why" i was offered a settlement that has had a majority of their fees removed. I asked for written confirmation of what is owed and account details soI could pay them. I was then emailed by mt collect with account details in their name They also gave CFOs kirkdale house address. They also now have a website www.mtcollect.co.uk. It seems that they are still not Separate. Mt collects phones are still active and they seem to know what figure has been agreed whith CFO collections. After complaining and refusing to deal with Mt collect I was given CFOs account details. CFO collections do now seem to respond to emails. I think that TS may have visited CFO hence they have to some extent stopped collecting debts through mt collect, however their lack of honesty/ transparancy still seems to continue.

Mitigate trace and collect don't appear to have a consumer credit licence of their Own but are sharing CFO's under the name of MT collect. This breaches OFT guidance anyway. They probably wouldn't need to be registered with the BCCA but should have their own consumer credit licence. For a companie to be able to collect debts using ballifs they would also need to have the debt collecting catogorie on the licence witch CFO/MT collect doesn't have.

who are carter forbes i have only known capital finance one to collect debts under mt collect , mitigate trace and collect and Mc call Repo ok found them Name & Registered Office: TWYFORD DEVELOPMENTS LIMITED PETER HOUSE OXFORD STREET MANCHESTER M1 5AN Company No. 06318376 consumer credit licence number 0612733 Categories: Credit reference agency, Debt collecting Trading Name(s) (Current): Carter Forbes, Cash Castle, Cash Cave, Cash Office, Lending Pot, Twyford devolopments this is a first for capital finance one using a liscened debt collection agency. I doubt carter forbes are chasing you for a CFO loan. Capital finance one prefer to use their own collection monkeys that pretend to be baliffs.

I have already done a complaint but OFT have requested that I also fill out a consumer complaint form to help with their review of compliance with irrisponible lending guidance. I shall forward this email with the complaint form. http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf

cfo email.pdf just found this email in my inbox from last year when I first missed a payment with CFO. I just love the threat of a fine of up to 75 pounds being apllied to my account.

Complain to trading standards and OFT about theese charges use this guidance to help with your complaint guidance.pdf It certainly seems that they have rolled your loan over to unsubstainable levels with out assesing if you were able to afford it. They are also less than transparent when it comes to explaining their finance charges. They are supposed to make sure you understand what you are apllying for / total cost of credit. I also suspect that you may have some form of learning difficulty, I only say this because of spelling mistakes and you state you have difficultiy understanding the charges. If this is the case the CFO are supposed to take mental capacity issues in to consideration when offering credit and you may be further protected under the equality act. Seek free indepenent legal advise from citizens advice. I dont wish to be offensive in pointing out this possibility I also have learning difficulties.

I have made a list of usefull OFT guidance that CFO / MT collect seem to breach it also contains some guidance from companies house. Hope this is usefull to those who wish to complain to trading standards and OFT guidance.pdf

MT Collect / Mitigate Trace and collect phone nos 01301 214 1101 020 3195 1181 0167381203 Name & Registered Office: MITIGATE TRACE AND COLLECT LTD CLIVE HOUSE 12 - 18 QUEENS ROAS WEYBRIDGE ENGLAND KT13 9XB Company No. 07937691 other address Mitigate Trace and collect Payment house PO box 66675 London E11 9EG mt collect is a trading name of capital one finance

I have had a call from Red Bridge trading standards, They have had a lot of complaints about CFO and are investigating them. Trading standards are unable to get involved in indvidual cases but will consider all complaints they recive as evidence against CFO. If any one wishes to email a complaint to redbridge TS thier email is community.safety@redbridg e.gov.uk

I have had a call from Red Bridge trading standards, They have had a lot of complaints about CFO and are investigating them. Trading standards are unable to get involved in indvidual cases but will consider all complaints they recive as evidence against CFO. If any one wishes to email a complaint to redbridge TS thier email is community.safety@redbridg e.gov.uk

I have had a call from Red Bridge trading standards, They have had a lot of complaints about CFO and are investigating them. Trading standards are unable to get involved in indvidual cases but will consider all complaints they recive as evidence against CFO. If any one wishes to email a complaint to redbridge TS thier email is community.safety@redbridg e.gov.uk

I have had a call from Red Bridge trading standards, They have had a lot of complaints about CFO and are investigating them. Trading standards are unable to get involved in indvidual cases but will consider all complaints they recive as evidence against CFO. If any one wishes to email a complaint to redbridge TS thier email is community.safety@redbridg e.gov.uk

I have had a call from Red Bridge trading standards, They have had a lot of complaints about CFO and are investigating them. Trading standards are unable to get involved in indvidual cases but will consider all complaints they recive as evidence against CFO. If any one wishes to email a complaint to redbridge TS thier email is community.safety@redbridge.gov.uk

if you want thier trading adress its Name & Registered Office: MITIGATE TRACE AND COLLECT LTD CLIVE HOUSE 12 - 18 QUEENS ROAS WEYBRIDGE ENGLAND KT13 9XB Company No. 07937691