Are they kidding me?

Any advice would be really appreciated.

I had a payday loan with this lot a few years back.

They never made any checks on me, and lent it totally irresponsibly

. I ended up on benefits, and agreed a payment plan with them.

They then on the day my benefits were paid,

they took the entire amount from me, leaving me with nothing to live on for a month, including disgusting amounts of charges.

I was in tears, literally begging them/my bank lloyds for help,

they told me tough luck we can do what we like (Literally said this) and the bank told me we wont help.

I ended up scrounging and getting into more debt over it.

I have just seen that they have to repay people they did over, and I emailed them to ensure I am included.

Just got this back:

'Good Afternoon,

Thank you for your email.

Unfortunately, you are not due redress following a review of your account.

Cash Genie has been working with its regulator (the FCA), and an independent skilled person to ensure all customers who were affected by past business practices receive redress.

Cash Genie is contacting all customers who were affected. The redress has been verified and you were not affected by those business practices, although we appreciate your disappointment.

Kind Regards

Customer Support'

Is there anything I can do?

These guys still give me massive anger,

I wish I could meet their CEO face to face for how I was treated

Ive been told that too, they even said that they MMF are responsible for the loan balance... And should be providing refunds to customers..!

Raise a complaint with them, get it thrown out, refer to FOS with your evidence.

Send a SAR request too!

Hi,

I have just registered here after hearing about the Regress thingy!

I also stupidly took out a loan around 2011 for around £100, they took over £180 out of a new bank account I held, this was around January 2013

, I called them today on their new redress number and someone told me I wasn't eligible for anything even though I didn't give them my new bank details!

I called their customer services number and someone helped me straight away, they still had old emails from me stating that I did not authorise them to take money from my new bank account in 2013,

I have JUST received over £180 back and they have closed my account

, I believe this was because they took the money out of a new bank account I held and I did not give them the new bank details, I was stupid and registered my details on their 3rd party websites! Good luck, keep going!

Thank you for that!

I have just emailed them a full complaint detailing exactly what they did and when, and have been told I will receive a response within 24 hours.

Will let you all know!

Im going to the top

Im going to complain to the directors XD

I will get a response!

Thank you for that!

 

I have just emailed them a full complaint detailing exactly what they did and when, and have been told I will receive a response within 24 hours.

Will let you all know!

Let me know what happens!

I have just emailed too, I went to that Emma Steeley that runs it, Ive already received an email back from their complaints team

Keep it posted. Also one other thing. If you do get anything back, please make a donation to CAG

Turns out their Compliance Person Paula Watts has left the business, Her email is on their Interim License Number...

2 x Directors;

[email protected]

[email protected]

This is the link to the story from the FCA

http://www.fca.org.uk/news/cash-genie-redress-unfair-practices

Finally had a reply.

They said although I am not strictly eligible, they can see they treated me unfairly, so offered me a £130 refund immediately which I accepted.

All good - makes up for it a bit after all these years.

You got that from their CS team? Hmmmm ... Ive gone the complaint route... Interesting...

Oh no, I made a complaint to the complaints email, and within 24 hours they came back with that - I was paid the same day.

What? Really?

Thats mad... I sent mine the other day. No response...

Apart from apart from the generic written response...

Oh! I hope everything's doing well. Wishing you the best!

Have a read of the FCA article that silverfox has posted up - and if you fall into any of the reasons the FCA have said, then you should send a formal complaint to the PDL company and if their response is still negative, you need to escalate your complaint to the FOS.

Im not sure of the full procedure of the redress but what happened to me was I had a loan with them and didnt pay it back - I applied for a loan with another company (turned out to be a sister company) and they used my bank details I put in on the sister company site to take a months wages to pay of the loan with cash genie - sneaky

I had £732 refund last week.