Capital finance one - txt threats of bailiffs

[Alwaysanothergo]

Hi,

 

I stupidly took out a loan with this company, the repayment for which, was only due..today,

I have received a number of callls, I have spoken to them a number of times today.

The first one explaining that I wasn't able to make a payment today, as I am waiting for my new bank card to be received. He told me this was unacceptable, and I had to call back by 1pm to make a payment.

I then received a text message stating " I am due to call to your a dress to collect pay,net, call 01312141101" i called them back, and spoke to the same man. He got very aggressive, stating there would be someone at my home today, and asking value of my furniture as this would be taken. When I explained again I was waiting for a new card, he told me I was being "ridiculous" and avoiding payment. He then hung up.

I called straight back, and spoke to someone else, who advised it would be ok to call when my card arrives to make the payment, and he would put a hold on the account.

 

I then received a second text saying "I am due to CALL to your address TONIGHT. Call to STOP this action" when I called back, he explained there was a hold on the account.

 

How long do I have to make the payment? Surely they can't commence door-step collection, and threatening to take my furniture if the payment was only due today?

I then got another

[rebel11]

Hi Always

 

Welcome to CAG

 

They are clearly breaking OFT Guidelines by threatening you, you should forward a complaint to the OFT, a complaint can be made online: - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

Save the Text messages, send them to the OFT with your Complaint.

 

You shouldn't speak to them over the phone, read 7 and 8 in my signature. Were you mis-sold PPI on this loan? If so you can claim back with interest over 6 years plus.

 

http://www.financial-ombudsman.org.uk/publications/factsheets/payment-protection-insurance.pdf

 

Thread has been moved to correct forum.

[thebaneofbanks]

basically unless they have a CCJ against you the terms of which you are in breach of which I guess isn't the case they cannot send bailiffs round. In fact to take it a stage further I think you will find that by even threatening it when it is not an option places them in breach of the OFT guidelines on debt collection

[Ell-enn]

It's an absolute shame you didn't record that call when you were told they would be calling at your address tonight to take furniture ! There is no way that anyone can come and take anything from you without a court order, and you are nowhere near that situation !! CF1 are an absolute disgrace and you should report them to the OFT for threatening action that they most definitely cannot take.

[BRIGADIER2JCS]

There is a long way to go before any of those

ridiculous threats can even be considered.

You must report this to OFT and rading standards

via Consumer Direct.

Also inform CF1 that you require a copy of their

complaints procedure.

All you do must be in writting as Rebell says

stay off the phone.

[Alwaysanothergo]

Thanksfor the responses, i''ve been sitting worrying I'll have some one knocking at the door! It was only one of their staff that was the aggressive one, the others seemed to be ok, and apologized for the first call. I just got a shock with what he said, it was still "technically" the day the payment is due, and he said my attitude was ridiculous towards none-payment, and that the account was "way overdue"

 

For them to send anyone out, don't they have to write to me first? I'm just massively shaken by this

 

Thanks again for your help.

[rebel11]

If they send someone, don't open the door, if you feel threatened just call the police. Try to calm down. It's stupid for him to say he's calling, what if you were going out? It's all talk.

 

Thanksfor the responses, i''ve been sitting worrying I'll have some one knocking at the door! It was only one of their staff that was the aggressive one, the others seemed to be ok, and apologized for the first call. I just got a shock with what he said, it was still "technically" the day the payment is due, and he said my attitude was ridiculous towards none-payment, and that the account was "way overdue"

 

For them to send anyone out, don't they have to write to me first? I'm just massively shaken by this

 

Thanks again for your help.

[dx100uk]

i bet this was the infamous mr marsden!

 

lots of calls and texts from A L wright

do a search on then top right.

 

this is a payday loan co.

so moving this thread to that forum.

 

dx

[Alwaysanothergo]

I've had texts from these people today swell, stating"I am due to call at your address today to stop action call 01617381203 to make the minimum payment today Gerry Adams"

This is the second text i''ve had from them, after already stating I would contact them in writing only.

 

If anyone needs them, they gave me bank details for payments.via standing order, so they can't take payments via your card whenever they please!

[Alwaysanothergo]

They've responded so far on that email address so fingers crossed!

If you want the banking details just let me know

[dx100uk]

never ever give these muppets any card / bank details

 

you need to write to your bank

 

SPECIFICALLY stating they are not to pay them any more money

without your direct authorisation

 

dx

[betty81]

I wouldnt panic if I was you. I was getting the same texts earlier this month, it was ridicoulous to say the least - but this new one really tops off the text msgs....Text message from: FRAUDALERTText message body: .... (my name) please contact us URGENTLY on 01312141101. We suspect FRAUD on your account! P.C O'Grady REF......So looks like they now try to con you to call them by claiming to be a coppa - so wrong its hillarious. But fear not, Im about to take action against them, big time. But for any of you out there worried about the threatening texts, dont be. But do be trying to find a way to pay back obviously. Nothing these days is free, especially money

[roxy2010]

I really dont know what my account will be at now havent heard anything from them for nearly a year. I havent had any texts or phone calls from anyone but that dosent mean I wont at some stage cant believe this company is still trading they are in the same league as minicredit.

[dx100uk]

it appears that 'some 'company mcall m t collect or whomever start in jan to send these texts out to everyone they had arrears listed

and mobile phone numbers

 

as you know ts/oft etc etc are investigating this unlawful practise.

 

i'd sit on your hands

 

dx