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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Cash Genie automatic rollovers


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Hi,

 

Cashgenie keep rolling over my account automatically.

 

On 25/07/2012 I applied for a £150 loan, which came with a £45 interest charge for a total of £195 repayable. Since then, I have paid:

 

25/08/2012: £45

25/09/2012: £45

25/10/2012: £45

25/11/2012: £45

25/12/2012: £45

25/01/2013: £45

25/02/2013: £45

25/03/2013: £45

25/04/2013: £45

 

That's £405! What's the best way of breaking this cycle? They've had more than enough money from me now, but I'd rather not end up with another default on my credit file.

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what were the original terms for how many months?

 

if they are doing this by CPA

 

get it back!

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

The agreement was for 28 days. This is the first page of my agreement:

 

aUSgJcM.png

 

If I cancel the CPA, Cashgenie will then presumably want the £150 back, plus the £45 interest they would have got through the CPA payment, and will then start adding interest and charges? Obviously that's not far as I've already paid £405 to them on a £150 loan. What action do I take at that point?

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DId they send any terms and conditions? Can we see them?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I like how they boast that they will levy unenforceable and unlawful charges. What a bunch of muppets. There are also a LOT of unfair terms in that contract.

 

 

My advice to you, if they rolled over the loan without your authority, is to challenge them on it and tell them that you will not pay them a penny more as they unlawfully and unfairly rolled over the loan without permission.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yesterday I emailed Cashgenie and revoked CPA. This was their reply today:

 

I would just like to ask why are you cancelling payments with us? Are you struggling at the moment?

 

We are willing to assist you if ever you are struggling to pay the loan. Unfortunately we can only cancel the payment once the agreement has been set up in place. You can ask for assistance for DMP but I would have suggest to have direct payment plan with us.

I assume this is untrue? As far as I'm aware I can cancel CPA at any time for any reason?

 

I responded:

 

You have rolled over my loan too many times without my consent. I have paid £405 for a loan of £150.

 

There is no legal requirement for me to enter into a repayment arrangement with you before you cancel the CPA.

 

The fact of the matter is, you have been instructed to cancel CPA. You must do this. If you do not, I will happily onvolve [woops :oops:] other organisations such as OFT and FOS.

Edited by mike00
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who said do it to cash genie anywhere?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you cancel the cpa direct with your bank, not the creditor.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Having the exact same problem with them. I have a thread here somewhere about it. I tried to cancel the CPA but the bank said that they couldn't so ended up cancelling the card. I did get the last payment back from the bank though.

 

As for Cash Genie I sent them a complaint about 10 weeks ago and have just sent a reminder to them.

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Dx. in the first section of your OFT guidelines that you posted it says cancel with the organisation. However cancelling with the bank as well is good.

 

One of the issues being looked at by the OFT is automatic rollovers. They break the rules.

Cash genie will pass it to carter Forbes who are the same company.

Play hardball and they should cave in

Any opinion I give is from personal experience .

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Having the exact same problem with them. I have a thread here somewhere about it. I tried to cancel the CPA but the bank said that they couldn't so ended up cancelling the card. I did get the last payment back from the bank though.

 

As for Cash Genie I sent them a complaint about 10 weeks ago and have just sent a reminder to them.

 

you must cancel ir with the bank

 

they are duty bound to carryout your instructions - end off!

 

there are rules that dictate they must.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you must cancel ir with the bank

 

they are duty bound to carryout your instructions - end off!

 

there are rules that dictate they must.

 

dx

 

I know. But they wouldn't. I had a long conversation with the woman at Santander who, interestingly, not once denied that I had the right to cancel but stated that they wouldn't.

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Dx. in the first section of your OFT guidelines that you posted it says cancel with the organisation. However cancelling with the bank as well is good.

 

One of the issues being looked at by the OFT is automatic rollovers. They break the rules.

Cash genie will pass it to carter Forbes who are the same company.

Play hardball and they should cave in

 

If automatic rollovers are against the rules then why do CG seem to use them as a matter of factly? Also, if they are against the rules the surely there must be some process to get he money back as they should not have taken the money in the first place? A bit like theft really. I'm not saying it isn't against the rules just wording it that way for the question btw :)

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Rollovers are an exploitation of a loophole in guidance. It is currently under heavy scrutiny to see whether the guidance needs changing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Mike.

Sorry but it's not 100% clear. Did you ask to rollover your loan and/or was there enough money in your bank to make the full payment. If the answers are no and yes in that order you should make a formal complaint and stop paying as they are in breach of their own code of conduct and your agreement.

Any opinion I give is from personal experience .

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FSA stated that banks must cancel CPAs if the customer issues such an instruction.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Mike.

Sorry but it's not 100% clear. Did you ask to rollover your loan and/or was there enough money in your bank to make the full payment. If the answers are no and yes in that order you should make a formal complaint and stop paying as they are in breach of their own code of conduct and your agreement.

 

I requested a rollover on two occasions. They've taken nine payments, so on 7 occasions they did it without my consent, and there was always more than enough in my bank to make full payment.

 

I have written to them requesting a refund after reminding them they are in breach of their own Customer Charter, and therefore CPUTR2008.

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Be ready to issue a LBA then follow it up with a court claim. They will do ANYTHING to keep your money.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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This is similar to our situation. I need to do some detailed looking into it but from what my wife can remember the roll over is taken automatically on the day the balance is due.

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Be ready to issue a LBA then follow it up with a court claim. They will do ANYTHING to keep your money.

 

I intend to send the LBA :) Not sure if just over £100 is worth a court claim, though, we'll see.

 

This is similar to our situation. I need to do some detailed looking into it but from what my wife can remember the roll over is taken automatically on the day the balance is due.

 

This is exactly what happens. They don't ask you. They just go ahead and collect interest only on the due date. Their terms say they will collect two payments, one for the interest, and another for the capital.

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Only send the LBA if you are willing to follow it with a court claim. Don't send it otherwise.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I intend to send the LBA :) Not sure if just over £100 is worth a court claim, though, we'll see.

 

 

 

This is exactly what happens. They don't ask you. They just go ahead and collect interest only on the due date. Their terms say they will collect two payments, one for the interest, and another for the capital.

 

Yeah - I just read through the T&C you posted. They are quite clear on what should happen and when.

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