09064001800

I think that if you read through the posts on here you will get enough information to help you decide.  You will see from their frequent "corporate drivel" posts in answer to complaints that they are brokers and not lenders.  They make their money by asking you to 'phone the 0906 number at £1.50 per minute and wasting as much of your time as possible to rack up a large bill.  They say that, if they do not find you a loan (ignore the "you have been accepted" rubbish) they will refund the cost of your call if you send them a copy of the bill,  What they bank on is that 75% of people do not bother to reclaim the money. They have no incentive to find you a loan as their money comes from the 'phone calls.  This company starred in the BBC1 Panorama programme last week and this exposed the stunts they pull and the lies they tell.  I bet that within another couple of posts their "corporate drivel" will appear again!

I made two calls to this number and am now afraid that if this was a scam I have given all my details.  Can anyone confirm who they are other than CFD?

So much for telling me the loan would be OK!! No loan and £50 in phone charges.  What a scam!!!  Why isn't something done about these sort of companies.  It is disgusting.  They are told that you are living on benefits and that a finance company will be able to help you  but nothing comes of it, and you are out of pocket.  Where is the Office of Fair Trading!!!

i sent my bill into your company about four weeks ago. i still have not received my refund as promised.

i sent a copy of my bill and was promised  a refund for my calls . please do so.

Hi harriet hughes

We have received your request for a refund on the 21st June 2012 a refund will be sent within 45 working days.

Regards

Customer Service Team

Nearly 600 posts off complaints? Master Finance Brokers? Don't make me laugh - just another dirty scumbag company screwing decent people with your rip-off phone lines. You are lowest of the low, and thanks to the BBC and others, you have been rumbled. You are a disgrace. If thats what you have to do to make a living, I pity you.

That is 600 posts on this number alone, and they have dozens.  Lets just hope that, following the BBC Panorama programme every single person who has had to pay the disgusting 'phone charges claims them back and that should put this lot out of business.

p.s. CFD Please don't bother posting your corporate drivel in response to this post, it takes up space that can be used by good people to complain.

I had a message to phone this number so are they a genuine broker or cowboy s this is the question i,am not going to go with them

It's very easy to find information out about Company Directors.
If one were to do a search for the director of Cash Finance Direct/Horizon Finance (Mark Pickston) on a website such as http://company-director-check.co.uk/ one would easily be able to find out everything about said director.

Including what other companies he/she/they were directors of, when they were born, and more importantly...what their address is.

Good hunting.  

:)

Just been in touch with my phone provider and they confirmed that 23 quid was for a call to this number.I dont even use the phone at home so how is this possible?

How can i send my bill when i dont get one..its online.yeah print it.but dont have printer...def a scam

I viewed my phone bill today and found 3 calls made in relation to the above no.on 30th Nov.the one to the above no.was of 15mins duration by client Carne Bidwell my daughter's boyfriend for a loan enquiry.The charge to my account was for £28.74.Time of call 13.35
2nd call was made to 09061931240 (same company) charge £18.98 Time 13.59 duration 9mins
3rd call was made to 09064001985 (same company)charge £13.46 Time of call 14.32 duration 7 min

Check out what I call the "corporate drivel" on Page 25.  This is what CFD post whenever someone complains.  They monitor this site and try, unsuccessfully, to do damage limitation.  However, for you the information they give is useful as it shows how you can get your money back, using their Freepost address.  This lot of chancers were exposed on a Panorama programme a couple of months ago.  They 'phone you on an ordinary number to say you have been accepted for a loan, but you have to 'phone them back on the Premium Rate number to "discuss the details".  When you 'phone them you are kept on the line as long as possible, going over the same details time and again and being passed from person to person.  They admitted, on camera, that they make their money by using this Premium Rate scam because 74% of people do not reclaim the money.  Don't be one of the 74% - get your money back.

I made phone calls the 16th November 2012 at15.14
14.56 calling about a loan and was told by 2 people that I could get my money back for phone calls but not yet recieved any that was 4wks ago total £56.97 sent an itemized bill with info given  and I would get it back now I have a big bill I can't pay so I will be cut of soon will I get anythink I am re sending again.
I need phone on to call nursing home for mom and her only way of communicating after 3 strokes and being bed ridden for life and peg fed is her mobile contacting me by text I need money back to pay my bill urgently please

Phone them on the Freefone number given in the corporate drivel they post on here and tell them you want the money within 7 days.  In the meantime, report them to Consumer Direct/CAB via their website.  As you will see from my earlier posr this lot of chancers were exposed on a Panorama programme recently.  They admitted on camera that they make their money because 74% of people do not reclaim the 'phone costs.  You might also like to drop a line to Penman &Somerlad of the Daily Mirror who have done several pieces on their shady practices.  PayPhonePlus, who run the premium rate service would also be interested to hear from you as they have fined CFD in the past for abuse of the premium rate system.  You may not need to do any of these things as CFD regularly trawl this website to post their corporate drivel and answer some of the complaints.

Hi

I work within the customer service department at CFD.

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 Z3204171.  We are accredited with the ISO 9001 award for approved quality management systems used in the running of the service we offer.


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 all times.

We are a business, and therefore cannot operate our service for free, the back-up support, underwriting department, customer services department, agent costs, extended opening hours and other benefits have a cost attached to them, we must cover this cost by the use of our premium rate call.

We are transparent with our customers and do not disguise the fact that we generate an income from the use of our Premium Rate service. The call charges are provided from the outset, you will be answered by an automated greeting confirming the cost of the call and maximum call time before any conversation takes place, allowing you, the customer, to make a choice of whether or not to continue with using our service. Using premium rate telephone lines allows us not to be guided by which of our lenders will reward us with the biggest commissions, but on which lender is right for our customers and their individual circumstances or loan requirements.

We do not charge upfront application or administration fees, there are many other finance brokers in the market who charge up to £70.00 to take your details and pass them on to a lender.

A handful of the many benefits to using our service.....

•    No waiting in a call queue when using our service.
•    Dedicated agents dealing with your enquiry from start to finish.
•    One of the largest lending panels in the UK with a dedicated underwriting department.
•    A full “no questions asked” refund policy for any costs incurred in using our service.  
•    Dedicated customer services department offering freephone support from 9am to 7pm.
•    Long opening hours - 8am to 9pm on Weekdays and Saturday from 9am to 4pm.
•    UK call centre employing local, friendly and knowledgeable staff to handle your call efficiently.    
•    Investor in people and ISO 9001 accredited telephone agents dealing with your call.    
•    Regular updates and lender contact details sent to you free of charge by SMS and also by email.

We are sometimes asked “why charge for a premium rate call only to offer a refund of the costs”  just as you would not expect to help yourself to products free of charge at your local supermarket simply because they had a money back guarantee, we operate in the same way. We hope that the hard work, investment in staff training, and continual improvements in every aspect of the service we offer will be recognised by many of our customers, who in turn are happy to pay for the relatively small cost of the call, as they feel they have received real value for money based on their own experiences.  

We would like to help every single customer get exactly what they want, unfortunately, this would be an impossible task and however hard we try and however many lenders we have on our panel we cannot help everyone. If, for whatever reason, you are not 100% completely satisfied with our service and would like to claim your money back, we offer a full “no questions asked” money back guarantee for the full costs of your call.  

The law permits us to retain £5.00 towards the expenses we have incurred in processing your enquiry, however, we have chosen to waive this right and will always offer a full refund.  

It is very important to us that our customers feel completely satisfied with the service we offer, and if you don’t, for whatever reason, we feel that you should not have to pay for it. We won’t question your reasons for wanting a refund, but we do appreciate your feedback so we may use it to focus our attentions on what is truly important to our customers.

In order to obtain a full refund, we would simply ask that you send in a copy of your telephone bill (to ensure that we do not underpay you) highlighting the calls made to our service.

If sending by post, you can either send it using our freepost service as below:  

(No stamp required, simply write the above address on your envelope and we pay the cost)

Customer Services Department
FREEPOST
CFD
SK1 1TA

Or, you can use our normal postal address, but will need to place a stamp on your envelope:

Cash Finance Direct Limited
Floor 7
Dale House
Tiviot Dale
Stockport
Cheshire
SK1 1TA

A scanned copy of your telephone bill will be perfectly acceptable, please send it via email to:  customerservices@horizonfinance.co.uk

If you are in any doubt that we have received your refund request, please do not hesitate to contact us, ideally via email to customerservices@horizonfinance.co.uk and we will come back to you as quickly as we can with an anticipated payment date, please include your name, address and telephone number so we can contact you via telephone if we need to.  


Regards

Customer Service Team

Over 500 posts warning people to avoid CFD. Thankfully, more and more people know that this 'company' is down there with the lowest of all life-forms. Maybe, just maybe, their days are numbered. One of the most vile of the so-called brokers.

Fingers crossed.  If people know that they can claim their 'phone costs back using the Freepost address, then with a bit of luck this lot will go under.  They admitted on Panorama they make their money because 74% of people don't reclaim the money.  Do you think, as I do, this may be because CFD make damn sure people don't know about it until their victims post on here and they have to post their corporate drivel as damage limitation.

I'm sure that damage limitation is their aim. Sadly for them, the game is effectively up. Nice to watch them squirm though. Were it not for the power of the internet, and sites such as this one, I feel sure they would continue to profit at other peoples misery for many years. Hopefully now, their time is coming to an end. Maybe they'll start asking for Ukash vouchers in future? lol!