Capital Finance One

alice87

Hello all.

Have hit a bit of a stumbling block with these lot. They are saying they can only accept a plan if it is going to be paid over 6 months, and are suggesting £66 per month to cover this! Now I only owe them £250 so how on god's earth can this make sense?

Also - I stupidly replied to their email saying that if I forgo certain leisure I can up it to £50 per month but now I'm thinking WAIT that's then not fair on my other creditors? My initial offer was £8.98 per month as a pro rata'd payment.

Feeling a bit sick about this now as it could mess up my whole plan as I'm offering them more than others

Please help!!!

BigCraigJohn

Just pay your £8.98. They were never gonna agree but that doesn't mean they won't accept.

alice87

Should I email them again in the morning saying I have sought advice and can only pay them the 8.98 etc etc?

thanks

alice87

I just sent them this email - will this do the trick? These guys are pure evil. If I could give anyone it would be advice it would be to NEVER EVER EVER take out a payday loan. Jeez I was dumb.

I have sought further advice on this and have been advised that if I am to forgo hobbies and leisure then I need to split this £40 between all creditors on a pro-rata basis. I cannot favour one company over another. My account is also not in default so I cannot understand why I would need to make 6 payments of £64 (totalling £384) when my debt to yourselves is £215?

If I am to split the £40 originally allocated for hobbies & leisure equally on a pro-rata basis, then the payment to yourselves becomes:

Debt of £215.00 divided by total debt of £7160.46 multiplied by new surplus of £327.88 = Payment to Capital Finance One of £9.84

You can see from my statement of income and expenditure that this is all that I can afford to pay.

My offer of £9.84 p/m is based on an equitable distribution of available income and I simply cannot pay what I cannot afford.

This is an extremely stressful time for myself and I would very much appreciate it if Capital Finance One could apply compassionate principals to my situation. I cannot afford to pay more than this amount as you can see from my statement of income and expenditure. If you can see another reasonable solution to this taking into consideration my entire situation then please do let me know.

This is a temporary measure only and I am of course willing to contact yourselves in a further 3 months to review my financial situation. If this has improved I would of course increase my payments.

I look forward to hearing from you regarding this, and to receiving details to set up a standing order to pay this amount. I find it impossible to contact your organisation via telephone so I am starting to feel concerned about how I will make a payment at the end of this month, which of course is a priority to me. If I cannot contact you by telephone and do not have standing order details it will be impossible for me to make any kind of payment at the end of the month as I have now changed bank accounts from the details you currently hold. This is a situation which I am sure neither party wants.

stanleysdaddy

Hello There I really want everyone to know this, I got a loan out with Capital Finance One, and I must say their service was superb money was in my account within 24 hours. Lady I spoke to Annie was a joy to speak to really helpful. And I would thoroughly recommend them to anyone that wants to get a quick loan. The people who complain about them are wrong they are obviously people who don’t want to pay them back. People when you get a payday loan it is due on your payday so expect that day for it to go out and if it does not contact them and you will find they are very helpful just don’t give them the run around because you should always treat people how you expect to be treated and remember they were kind enough to lend you the money in the first place. So any way to conclude my review if you are looking for a quick loan then CAPITAL FINANCE ONE is the place to go. Ignore what other people say and listen to my review as I am someone that has borrowed and has been so impressed with their service that I am reviewing them when I could be doing something else.
Thanks
Stanleysdaddy (Thomas H)
A Very Satisfied Customer of Capital Finance One

FOURCANDLES_2

stanleysdaddy wrote: »

Hello There I really want everyone to know this, I got a loan out with Capital Finance One, and I must say their service was superb money was in my account within 24 hours. Lady I spoke to Annie was a joy to speak to really helpful. And I would thoroughly recommend them to anyone that wants to get a quick loan. The people who complain about them are wrong they are obviously people who don’t want to pay them back. People when you get a payday loan it is due on your payday so expect that day for it to go out and if it does not contact them and you will find they are very helpful just don’t give them the run around because you should always treat people how you expect to be treated and remember they were kind enough to lend you the money in the first place. So any way to conclude my review if you are looking for a quick loan then CAPITAL FINANCE ONE is the place to go. Ignore what other people say and listen to my review as I am someone that has borrowed and has been so impressed with their service that I am reviewing them when I could be doing something else.
Thanks
Stanleysdaddy (Thomas H)
A Very Satisfied Customer of Capital Finance One

Oh fuk off you sad !!!!!!!, anyone who goes to a pay day loan company must be mad or desperate my advise starve instead .

DNW_2

stanleysdaddy wrote: »

.... and remember they were kind enough to lend you the money in the first place.

This bit really made me chuckle :rotfl:Brightened up my boring Tuesday no end!