-1.40

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Cash Finance Direct (Horizon Finance)

7 St Petersgate , Stockport, Cheshire, SK1 1EB

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Financial Services (Activities: Credit & Finance Companies, Finance Brokers)

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Source: Plebble.comCustomer View 

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Hi, I work within the Customer Services Department at Cash Finance Direct and after reading your posts I wanted to take the opportunity to answer some of the questions which have been raised. ARE CASH FINANCE DIRECT A LEGITIMATE COMPANY? Cash Finance Direct Limited, trading as Horizon Finance, is a master finance broker who helps individuals to arrange loans. We do not lend the money ourselves, but take your details through our telephone service, and pass them on to our extensive panel of lenders with the intent of them making an offer of finance to you directly. We have a UK based call centre just outside Manchester, our full postal contact can be found here: http://horizonfinance.co.uk/contact.aspx, we have offered our service since 1996. Our company registration number is 03173946, our consumer credit licence number is 0503842, we are also registered with the Information Commissioners office number Z1523771. We are accredited with the ISO 9001 award for approved quality management systems used in the running of the service we offer. ARE CASH FINANCE DIRECT REGULATED? We have been heavily regulated to operate the service we offer since 1996. We are licenced by both Phonepay Plus for our premium rate lines, and The Office of Fair Trading for our licence to arrange financial products on behalf of our customers. We also comply with the Information Commissioners operating code when processing client’s personal data. We are exempt from registration with the FSA (Financial services authority) as we do not arrange secured loans or lend money ourselves. Compliance is absolutely paramount to our organisation, we have scripted wording for our agents to ensure they say only what they are permitted to say, nothing more, and nothing less. This is further supported by our ISO 9001 award for approved quality management systems, both of which demonstrate our commitment to staff training to ensure the service received by our clients is fully compliant at… Read comments in full

Posted by Cash Finance Direct at 12:26 on 10-Aug-2010

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I fell for their scam the first time #45 then it downed; why shouldn't they just pay for the call instead of promising to refund- never got the promised refund instead incured another bill trying to claim the refund. 10 months later they wrote me as if they were another company, same story same scam. Why does the FSA allow such companies to operate??

Posted by cassandra3798 at 10:57 on 17-Aug-2009

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Plebble AdviceCentre response:

The Office of Fair Trading (OFT) licenses companies like this. Talk to Consumer Direct (jointly run by Trading Standards and the OFT) to get advice on what you can do to try to get your money back and how you can report your experiences. Consumer Direct's telephone number is 08454 040506 - the advice is free and calls cost no more than 4p a minute from a BT landline. The more people who report these companies, the more likely the OFT will investigate and may do something.

Keep us posted on how you get on - good luck!

From Plebble AdviceCentre (advice@plebble.com)

Posted by Plebble Admin at 11:41 on 18-Aug-2009

Have been contacted twice in the last twelve months so have had alot of dealings with this company. They are quick to get your money by promising to get a loan. But so far I have only had one offer of a loan from FLM, even though I told cfd that I would not be able to get a garantor. They must be raking it in as they seem to not supply what they promise.

Posted by riverdance187 at 11:15 on 17-Mar-2010

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I aggree these people are scammers... I gave them my pre-paid debt card details and then forgot to top-up... But they still kept sending me companies who could provide me a loan... It was a good thing I did not pay them their fee as all they provide was FLM, Provident, LogBook Loans, Debt Consolidation and PayDay Loans. They are rubbish, it has now been 2 months and I still not had a refund of the £41 I paid in telephone charges. I have now logged a complaint to try and get the money.

Posted by (details private) at 23:25 on 22-Jun-2009

THANK GOD FOR THIS SITE, I'm so glad I checked up on this companys reputation and found this site, all these peoples comments have saved me being taken in & saved me money that we can all ill afford to lose, thankyou to all the reviews, I'll plod on without getting into more debt & make do until I fin a reputable company to get a loan from. I checked because I got ripped off a few months with an admin charge of £49 to a company that never found me a loan that was promised, I think it was Yes loans on the Net. Once bitten twice shy thankfully. x

Posted by Caroline at 18:02 on 13-Nov-2009

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Scammers that use several different names to try and hook you.

Posted by (details private) at 14:14 on 11-Jun-2009

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Just had a letter from Horizon Finance, to my address but with someone elses name. Odd as we've had the house from new I thought. Called them up, to be told this number cost £1.50 a minute! Eeek! Now I have their Manchester number, I'll be able to get to the bottom of this... am I being scammed or is someone up to id fraud....

Posted by (details private) at 18:46 on 10-Jun-2009

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Charges premium rate numbers to make promises they don't keep.Instead of a loan you are left with a massive phone bill.Although they state you can be reimbursed if you send your origional phone bill to a freepost address.But i am struggling to find anyone as yet who has got their refund. GOOD POINTS.They prey on people who are struggling financially. BAD POINTS.They have no good points

Posted by (details private) at 23:54 on 29-May-2009

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Rip off merchants, cost us £45 in phone calls. Then they messed up the application and never reyturned my calls. STAY WELL CLEAR. REPORTING TO FSA.

Posted by (details private) at 11:18 on 10-Apr-2009

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EVENTUALY RECIVED CHEQUE FROM HORIZON AS CFD IS PART OF THEIR COMPANY ABOUT 10 WEEKS AFTER USING THEIR PREMIUM NUMBER IN DEC NEVER GOT LOAN

Posted by (details private) at 01:28 on 25-Mar-2009

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Part of several companies in the Stockport /Sale area who fleece £49 off you and then try and tell you ,you are in debt! We only asked for a loan at favourable rates. We shall stick to the banks from now on.

Posted by (details private) at 07:49 on 24-Mar-2009

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VERY SLOW TO REFUND PHONE BILL ON PREMIUM RATE.THEY ARE PART OF HORIZON FINANCE.HAD TO KEEP CONTACTING THEM UNTIL GOT CHEQUE

Posted by (details private) at 19:12 on 17-Mar-2009

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