Mitigate Trace and Collect ?

[silverfox1961]

And of course you could let CF1 know that you have complained.

 

carly.mcquillen@capitalfinanceone.co.uk.

[Shazza81]

thanks for all advice will def complain and send the letter

[mjds]

Latest email from MT:-

 

I may like to point out this will be my final response on the matter.

 

We DO NOT add the fines to the account, CFO do this, as mentioned you can contact them on 0208 166 1472.

 

We have now rectified the emails, all emails go to our Inbox.

 

We do not 'ignore' emails, as mentioned before, we have a high volume of emails to respond to which can delay a response.

 

If you wish to take this matter further, we will respond when we receive the official complaint.

 

Regards,

MT Collect Admin Team

 

and my response..

 

 

Thanks for your below email, I thought all responses were now meant to go through yourselves but now you are directing me back to CFO. This is very confusing, are you saying you are no longer handling the debt? You mentioned earlier that complaints should go to you and you would advise CFO in respect of any disclipinary proceedings, so I assume you are no longer stating this?

 

You have also contradicted yourself as you say you do not ignore emails 3 lines after stating this would be your final response. Can you confirm who I should be liaising with in respect of the debt or will this question be ignored?

 

Think I may have upset someone?

[Shazza81]

im getting fed up of all these payday loans advertising great money when you havent got it,we all borrow and then end up not able to pay it back and companies like these sending threatening letters and texts,something needs to be done

ive been stressed out through this company and felt depressed at times when you have texts telling you to pay back the money or bailifts will turn up

its a pity we cant advertise what the companies are really like

[mjds]

They also sent the following to me beforehand when questioned on their communication policy:-

 

I will make a note on your account, that I am dealing with this account and not to contact you on the telephone but I am unable to stop the messages as the system automatically sends these.

They have since gone very quiet when I pointed out that they have just admitted sending threatening texts saying someone is at your home/work now automatically generated from their system. I'm fully prepared to go to court with these, in fact i'd probably welcome it right now as I'm so sick of them.

[silverfox1961]

its a pity we cant advertise what the companies are really like

 

You are. To the whole world!

[city128]

Thanks for all the advice on here - it's been a great help to me. I have also sent my letter received from MT Collect to OFT, BCCA and FOS along with an edited version of the letter on here. An automated reply from the OFT said that they are having a high volume of complaints at the moment so it could take up to 10 days to reply.

[kellieclaydon]

THESE PEOPLE ARE UNLAWFULL!I have had huge arguments with these people and they took £120.00 from my bank without permission!

 

I have pasted an email I sent to the financial ombusman service. Sorry but it will take ages to type it out again. PLEASE DO NOT GIVE THEM YOUR DEBIT CARD DETAILS!!!!!!!!!!

 

Good morning,I am writing to complain about capital finance one and the company that claims to be their collection agency.Attached is a letter I received from a company claiming to be a collection agency called Mitigate Trace & Collect.

 

I called you last week about this collection agency but found out they are not actually registered.This company sent me several text messages at the begging of February threatening to turn up at my place of work. I then received the attached letter and gave the company a call.I stated in this call that I am in financial hardship and paid them £30.00 to hold further action on 09.02.2012.

 

I then stated that I can make a payment of £30 every month until this balance is cleared. The person I spoke to at the time had then asked if I wanted him to call me back to take this payment. I confirmed that I would like him to do this.

 

The payment was taken in the name of Capital Finance One.I was then paid on Wednesday 29th February and after not receiving a call by lunch time, I called the company to make a payment. When I called I said I would like to make a payment of £30.00. The gentleman I spoke to said there was only a £50 balance left on the account.

 

Without thinking, I paid the balance and terminated the call. After looking at the letter again I realized I owed the company £167.12 and wondered why they had said £50.00.I checked my account statement that day and realized they had already unlawfully taken £120.00 from my account using the debit card details I provided them earlier on that month.

 

I called the company back and informed them of the unlawful activity. I asked to speak to a manager and eventually after being cut off 4 times I was passed to someone who said their name was Charlie Taylor. He said we would launch an investigation and listen back on the call and get back to me by close of play Friday (2nd March).After receiving no phone call, I spoke to the company again today. I was passed around to several different people and was then eventually passed onto Charlie Taylor again.

 

He said they investigated my claim and can confirm they had sacked the person who took it upon himself to take the money and confirmed it was unlawful activity. I asked for my £120.00 back like he had promised as it was unlawful and said that I would then set up a standing order to them for the £30.00 a month that was agreed in the first place.

 

Mr Taylor refused to return my money and gave me no reason as to why. He just kept repeating the same sentence over and over about the person being let go. It sounded as if he was reading from a script.I said to him that I know Mitigate trace and collect are not a registered collection agency and said that they are in fact Capital Finance One. He denied this and said the reason why the payment is taken out in Capital Finance One's name is because they use the same merchant provider.

 

I would like to make a formal complaint to capital finance one as I believe it is in fact their staff who have sent out letters pretending to be a registered collection agency. After googling their claimed name, I did infact see that I am not the only person who this has happened too.

Edited March 6, 2012 by citizenB
spacing for easier reading

[citizenB]

You should speak to your bank. If the money has been taken without your permission then they should be able to get it back for you.

 

If you also believe that a crime has been committed then you need to make a complaint to the police and obtain a Crime Number.

 

I imagine that the PDL company will claim that you gave them a continuous authority !

[kellieclaydon]

You should speak to your bank. If the money has been taken without your permission then they should be able to get it back for you.

 

If you also believe that a crime has been committed then you need to make a complaint to the police and obtain a Crime Number.

 

I imagine that the PDL company will claim that you gave them a continuous authority !

 

The bank said the only way I can claim back is if I had a written agreement of the amount which sucks!I didn't think that the police would be interested in something like this. I did owe the company the money but I certainly did not give them permission to take it all at once! Nasty unprofessional people!

[matt3333]

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

 

[tiredofDCAs]

Spoke to someone at CFO and they say they no longer use MT Collect as their collections agency because of 'ongoing issues'. Instead they use their own internal collections agency...

 

Thought MT Collect / McCalls were theirs anyway? Also, interesting to see that MT Collect is now a registered company but registered to a different address to CFO...still not convinced they are now seperate.

 

If you do have any issues with CFO as I did, it's a good idea to copy the BCCA in who have been great with my issue, which pretty much has been resolved as far as the money taken from my card anyway. Hope that helps.

[renegadeimp]

http://www.consumeractiongroup.co.uk/forum/showthread.php?335471-Capital-Finance-One-MT-Collect-read-how-to-deal-with-them

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?341929-me-amp-MT-Collect

[matt3333]

Spoke to someone at CFO and they say they no longer use MT Collect as their collections agency because of 'ongoing issues'. Instead they use their own internal collections agency...

 

Thought MT Collect / McCalls were theirs anyway? Also, interesting to see that MT Collect is now a registered company but registered to a different address to CFO...still not convinced they are now seperate.

 

If you do have any issues with CFO as I did, it's a good idea to copy the BCCA in who have been great with my issue, which pretty much has been resolved as far as the money taken from my card anyway. Hope that helps.

 

 

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.

Edited April 6, 2012 by matt3333

[renegadeimp]

They do know why. They are one and the same.

[matt3333]

They do know why. They are one and the same.

 

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