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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cash Genie have been ordered to refund £10M redress - Make your claim ASAP


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One for the news books, Im affected by this, you should reclaim ASAP!

 

 

More than 92,000 customers of payday loan firm, Cash Genie, are due a share of £10m in redress after the firm was found guilty of making a number of "serious failings", including charging unfair fees and rolling customers' loans over without consent.

 

It would appear they are also withdrawing from the UK market, although claims should still be supported by the FOS.

Edited by citizenB

 

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**Fko-Filee**

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Face it, Cash Genie and others are thoroughly dishonest.

Steer clear

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Im not apparently due a redress from them, because the FCA have told Motormile Finance that they have to pay out too!

Oh this is comedy gold!!!

 

Im emailing both Managing Directors, I cant wait... :lol:

 

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I've sent an email enquiry now to see if I'm due a redress. Should be because I think I paid them through Carter Forbes

 

EDIT

 

This is what they sent me

 

Your account is being reviewed and you will be sent a letter or an email within 4 weeks advising you of the redress due to you. You do not need to do anything else at this point, however it would be helpful if you could ensure that we have your up to date contact details.

 

Please can you send us your latest:

 

· Postal address

 

· Email Address

 

· Contact telephone numbers

 

 

More information is also available on the website; https://www.cashgenieloans.co.uk/redress-programme.php

 

Kind regards,

 

Customer Support

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Well thats scripted... I suspect its an auto response but.... Ive emailed their Complaints Team and The MD Emma Steeley... Already had a response to it with a reference...

Lets see, I used logical answers to their compensation analogy...

 

Things like the £51 DD Returned charge, Thats unjustifiable as per their reasoning. Things like the continuing rollover and it reaching £1332. Lets see how this goes.

 

2 x Directors;

 

 

We could do with some help from you.

 

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I had an interesting email direct from Emma Steely this morning asking me why I think I should deserve compensation... As I havent been identified that I was affected by there policies.

I have a quick question and this one involves MMF...History is MMF picked up 5 accounts for me, They were all written off as a goodwill gesture as they lost my letter stating 4 of them were fraudulent.

 

Emma asked me why I would be claiming compensation if the debt was written off by MMF and the points I stated were that they;

 

- Transferred the account to Carter Forbes

- Charged me £51 for a returned DD when they didnt take one.

- Didnt send me a statement every 12 months minimum.

 

I dont use this term ever but, Am I going to the well once too often? Or do I have a valid point ?,

I didnt pay anything to MMF until the situation was resolved... Which the account was written off...

 

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**Fko-Filee**

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Did you receive the charge for the returned DD (even though it wasn't taken)

I think Sainsbury's and one or two other banks are sending out £50.00 comp cheques for not having sent statements as per the regulations

Not sure I understand the Carter Forbes bit.. however if you were harassed, then I guess you are entitled to something !

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The response I got was;

 

Our parent company announced on 6th October 2014 that the they were pulling out of the UK online market, which is Cash Genie, but that it was committed to the Voluntary Requirement that I had signed when I joined the business in July 2014. As such, we have the parental support required to carry out the redress programme as agreed with the FCA.

 

When we liquidate the business, your FOS rights will still stand.

 

I understand your point that annual statements were not issued and redress is being paid for all of these cases in the form of a cash refund or write down. However, your account never received any payments, no matter what fees were applied, so I am unable to refund anything to you.

 

I apologise for any distress or inconvenience that may have been caused to you, but reiterate that I am unable to refund cash that has never been received. It would be unfair of me to do so when there are many customers who did suffer detriment that we are working very hard to redress fairly.

 

We could do with some help from you.

 

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**Fko-Filee**

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ah righto, well if no monies were ever put into the account - have they closed it with you now owing nothing ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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MMF did...I went after Cash Genie to get the fees back ;)

 

I think ive been greedy? ... My view is this...

 

Account sold to MMF - No Payments made

MMF Write off account in 2014 as GWG after other 4 accounts they held was fraudulent.

No payments made to MMF. When sold Balance on Cash Genies Books should be zero.

Charges owed caused by Cash Genie, and FCA said they should be refunded... But Cash Genie say that as no payments received, there isnt anything to refund.

 

Have i been an idiot?

 

We could do with some help from you.

 

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Well if the account has been written off, no monies ever paid into the account - then on this occasion I think I would agree with Cash Genie.. however much it hurts to do so.

 

I guess you could ask for some compensation for the hassle as the debt was never yours in the first place, was it ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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That Im not 100% sure as cash genie havent ever sent me anything to say its not.

Oh well Ill close it :/ However, Could you please put something like an announcement at the top of the forum to say if you have had a loan with Cash Genie that they need to reclaim quickly as very shortly, they will be liquidating the business..

People need to know CitB...

 

Although they will be contacting the affected, some people havent been included and they are still paying out on a case by case basis...

 

We could do with some help from you.

 

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**Fko-Filee**

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Has the FCA provided any information regarding the liquidation of the company, fk ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I will amend the title of your thread and send it round twitter again fkofilee

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I will amend the title of your thread and send it round twitter again fkofilee

 

Thank you CitB :)

 

Roll Up., Roll Up

 

Claim your Cash Genie Redress Soon! The Genie will disappear with a puff of smoke....

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I see the cashgenie website already seems to have disappeared - given what we have seen with Minicredit not honouring FOS complaints after they went out of business, I'd agree with fkofilee that people should get in quickly

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I emailed Cash Genie (Emma Stanley) and got a swift reply stating I was not entitled to redress as my loan was outside the period they were automatically redressing (pretty much expected) so I swiftly complained and they are looking at my complaint. I will follow this up as I don't agree with the FOS decision to take loans from x date to x date when clearly this was their normal modus operandii for a long time.

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I agree SG - I think this has all the hallmarks of the way in which PPI claims were automatically rejected. So think it might be a good idea to persist and escalate the to ombudsman if you believe you have a claim and it is being rejected out of hand.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I spoke to Emma and she says it is because they "Voluntarily Agreed" to refund charges and write off debts due to their behaviour and treatment unfair to customers. They said as I had paid nothing towards the loan, I was not due any refunds etc

But as the balance had been wiped out as a GWG by MMF, The charges still stood in my opinion... Anyway... Get reclaiming! :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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FYI their website is still down... I suspect more is going on then we are being led to believe...

I suspect they will be liquidating the company very quickly!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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