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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • 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.

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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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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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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

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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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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 **

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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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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?

 

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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 **

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

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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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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.

 

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**Fko-Filee**

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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.

 

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