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

It seems that the missleading use of trading titiles is used on thier letters aswell as CFO's consumer credit licence, probably an attempt to hide the fact that they are sharing a licence with CFO.

It dosent look good for MT collect / Mitigate trace and collect if they are found to be unlicenced • It is a criminal offence to carry out any activity that requires a consumer credit licence before a licence has been issued to you. • Even if you have a licence, it is an offence to carry out any licensable activities that are not covered by that licence. Unlicensed trading is punishable by a fine, imprisonment, or both. In addition, if any of your customers were to default on a payment, you would not be able to enforce a credit agreement that you had made while unlicensed, or where an unlicensed credit broker was involved. An agreement for the services of a credit broker, debt collector, debt adjuster, debt counsellor, debt administrator, credit reference agency or provider of credit information services cannot be enforced if the agreement was entered into when the business was unlicensed.

Do mitigate trace and collect / mt collect declare that they are a trading title of capital finance one on any letters they have sent. Do they declare any registration number or consumer credit no. I have unfortunately never recived one of their letters and only had a threatening text.

Under OFT guidence they cant share a licence with CFO You cannot transfer a licence from one legal entity to another. This means that if you want to change your status, from, for example, a sole trader to a partnership, or a partnership to a limited company, you will need to apply for a new licence. They are also breaching guidence in relation to how the trading names appear on the licence If you also conduct licensable business under any other trading name(s), you must apply for the name(s) to be included on your licence. It is a criminal offence to carry out any activity that requires a consumer credit licence under a name that is not on your licence. The Act requires the OFT to check that any name(s) under which a person applies for a licence are not misleading or otherwise undesirable. I have compared CFO's licence to a more respectable debt collector and they declare all of thier trading names for example CRS, credit resolution services, HS, HSL, ICS and installment collection services. The company I used for comparrason was Harlands Services LTD licence no 0526531. Even if MT collect could trade on CFO's licince they should declare Mitigate trace and collect and Mcall Repo as they are names that are used. CFO'S licence also dosent cover Debt collecting to be able to collect debts they would need catergory F debt collcting on thier licence. If any one knows of any other trading names that mt collect are useing or have used please let me know. I am aware that they have previously traded as Carter and Co and also failed to declare this with companies house.

Get legal advise from CAB you could also seek advice from national debt line also report them to OFT, consumer direct and trading standards. Have you given card details to anyone on the phone it's concerning they are able to get details that haven't been given to them.

how can they get away with harrassing people into paying what they cant afford they are breaching oft guidlines , section 40 of the administration of justice act, insome cases possibly protection from harassment act 1997 and probably other areas of legislation. It is shocking they have got away with their threats and itimidadion as long as they have.

That answers it I guess I won't give them my card details just yet!!!

I wonder if now they are legit they will stop using bulling tactics and be willing to come to a fair repayment agreement . Should they be registered with oft aswell and declare that they perform debt collecting as part of their business. The information supplied on companies house also seems concerning no nature of business supplied and.no mention of previous trading names seems they don't want their previous name carter & co known.

found them on oft register but are on cfo's licence no mention of them as debt collecters though. just a trading name for cfo http://www2.crw.gov.uk/pr/default.aspx defenently dodgy I have refused to deal with them and just end up telliing them that I cant trust them. I have asked for thier adress but was palmed of with a po box address. The woman had to ask a collegue for the address seems stange she dosent know where she works. questioned this helpfull lady as to if they are registered and was told to check with cfo if i didnt belive her. As yet had no further texts or calls from them. I did however have a call an hour before from another one of their monkeys I was busy and politly asked him to call back later witch he agreed but thretened that I needed to pay them and that they had a baliff standing by. Clearly a lie as there is no court order in place.