Good old "Mike" haha. He doesn`t even exist...one of their own employees admitted that. These clowns have been harassing me for over a year now. From letters threatening imprisonment, bankruptcy and all sorts. I`ve also had letters from a local Solictor last year acting on their behalf. I told the solicitor they were welcome to take me to Court as i would love to show a judge the letters they sent. No reply after that for a year, then it all starts again except now they have Mucky Hall sending their letters to me. I now just ignore these clowns as no judge in their right mind would humour them with the stuff they pull. Don`t let them get to you, they are all bark and no bite. Now Lowells are a real nightmare...

MMF are top of my list for parasites. Been plagued by them for months - usual threat o grams etc. inc a disgusting threatening letter which promised all sorts including possibility of imprisonment LOL etc. I`ve kept this letter in case they want to push it and will be happy to show a judge what kind of threats they make. All went quiet and then Lo! I get a letter from a local Solicitors asking for the full sum of this Payday debt. No mention of the clients, even thought they say the " on behalf of the above named clients"..Eh? I knew it was on behalf of MMF because they had an MMF reference number on the letter... dunno why they don`t want MMF to be shown on their threat letters... I`ve had 2 e-mails since then from the Solicitors, exact same as the letter - very short and demanding full payment or legal action will be started. I e-mailed the Solicitors back and told them that their client can have £1 a month as thats all i can afford and i`ll be happy to tell a judge that in court and show the proof of my only benefit - DLA Care Component. There was no response, except the same e-mail a week later. I had also asked for a breakdown of this old QQ debt because i didn`t recognise the figure and most certainly did not borrow that amount. Obviously interest/charges were added. Now i haven`t had any more threatening e-mails in well over a week, so, who knows what they`re up to. I do plan on defending myself against these scumbags if they want to push this to court and if the Judge agreed on me only be able to pay £1 a month (which they should do when they see how low my income is) I`ll be happy to pay that. The knowledge that MMF will take YEARS to recoup that money back will be quite satisfying renegadeimp - I do have knowledge of the loan they are chasing after, but the amount has had interest added on it, so I want the Solicitors/MMF to give me a break down what`s been added to it. To be honest i would have set up a repayment plan if it had been a reasonable DCA chasing it, but MMF and their tactics induce only rage and a stubborn refusal to pay them. £1 a month would still be a slap in the face for them...

Sorry double post!

Hi Merbie13 This is Cash Genie/Carter Forbes standard tricks... they let you get stressed out of your mind by ignoring your offers but like to send threatening e-mails as well as their "Offers of Help" - which they ignore when you reply to. I`ve been throught the grinder with this bunch in the past, until I got so annoyed I contacted the OFT and reported them - allowing them to see their own e-mails forwarded to the OFT. Amazingly this makes the morons fall into line... Tell them you will be paying X amount each month on the X (date) until the balance of (insert loan and 1 month amount) is cleared. State this is all you can offer and you will be forwarding any future correspondence to the OFT as you are trying to come to an agreement and are being mucked around. Do NOT give any card details, even tho they ask all the time. Tell them you will pay by standing order or BACS transfer on the date agreed. I told them i didn`t trust them as I knew they raid bank accounts via debit cards I pay them £5 a month.

I don`t have a document saying it was written off, renegadeimp, i just meant that QQ had sold it on to Mucky Hall and when they had no joy, MMF bought it. I am paying off other debts with my very limited income at the moment and decided that MMF can just go whistle... They just don`t factor into my priorities at the moment and with the blatant abuse of the legal process they threaten to use in the letter, well it`s just made me more determined to ignore them completely now! Chancers.

I just returned from Holiday to find the exact same letter waiting for me. All it did was make me rage due to their threats and decide I`ll take my day in court with them whenever they want. I`m not paying these bottom scrapers a single penny for a debt that was written off by the original creditors and then they come long and buy it for pennies, then try to strong arm me into paying the full amount. Mucky Hall were ignored and they sold it onto MMF, who will also be ignored. Get stuffed I say... MMF have a terrible reputation even amongst DCA`s. I`m holding onto that letter for the OFT, should MMF try to continue their nonsense.

I also am getting automated telephone messages from these clowns. After doing some checking up on this bunch, I found out they are really bottom of the barrel material. Losers chasing after written off debts...beneath contempt. Well Mr Page and Mr Petty, your tactics do not intimidate me and i would dearly love someone to come round and visit me, they might not leave in a healthy state though since it`s trespassing without a prior made appointment and I have every right to use force to remove your goon from my property. You best send a very big lad round as I`m 6 ft 3 and weigh 18 stone I will be reporting these bottom feeding losers to the OFT and OFCOM for harassment.

Halifax Easycash is very easy to get even if you have terrible credit. You can apply online for it as well.

silvafox, apply for the Halifax "easycash" account online. It`s no frills account with a debit card and no overdraft feature. They are very easy to get and if i could get one with my dire credit history now, anyone should be able to.

Hi Merbie Can`t say I had that one! Altho they don`t have my tel or mob no anyway! Not sure if they don`t communicate or if it`s purposeful tactics to wear you down...one thing is for sure tho, Cash Genie and Carter Forbes are the same people! the reason I know is I got another stupid e-mail recently from a certain "India McWalters" who has used both @carter forbes and @cash genie e-mail addresses... He e-mailed the day after I paid my 1st £5 into their account, saying there was no arrangement..bla bla..to which I replied "for YOUR info, I paid yesterday and will continue to do so each month". I sent a copy of the e-mails to the OFT again and Carter Forbes are now accepting the plan that Luke Barnes had already agreed to but certain other people in CG and CF seemed to ignore... Honestly, it`s like something out of the keystone cops...you really have to involve the OFT and explain how much they muck you about, to get them to behave. Make sure you complain to the OFT merbie and let them know you are trying to get this debt paid back but they are being unreasonable! I wish you luck in dealing with this bunch! Oh just remembered...my last e-mail I received from them (after paying them), asked if I wanted to make a final settlement for the original loan amount + 1 months interest... I had to e-mail them back and tell them that I had already paid back £105 and the balance was now at £115...using their offer would have me pay £220!! So that £100 I had already paid would have been for nothing... Talk about chancers!!!!!!

Recieved e-mail this morning from the OFT to confirm they have recorded my complaint against CASH GENIE & TWYFORD DEVELOPMENTS LTD and quote - "We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against these traders we may need to contact you again in the future" If enough people complain to the OFT about loanshark bully boys like these, perhaps they`ll lose their licensing... What a joke... The "Paul" geezer who is the supposed Complaints Officer at Carter Forbes and who sent me the e-mail to say I would be dealing with him and could I send him a bank statement and income/expenditure form, well when you reply to his e-mail address...it bounces! "Access Restricted". Then I get some other person who does not give their name but their e-mail says I.McIntyre from Cash Genie - trying to make out their not playing stupid little games - yeah right, and can they take my debit details - no matey you can`t. Then it goes back to Luke at Carter Forbes e-mailing for debit card details for the agreement. After being bounced around between Cash Genie and Carter Forbes with them being complete ******s as usual. I`ve paid £5 into Carter Forbes a/c and will continue to each month. They can continue being prats all they want. They are on ignore now. Without doubt they are among the worst PDL companies to deal with. Have sent further information to the nice chap at the OFT who e-mailed me, letting him know that Cash Genie/Carter Forbes are still taking the p*** and being awkward *beeps* Have also informed him I sent £5 to their bank and will continue to, despite whatever dodgy e-mails they send in future. Also said I have all the e-mails as evidence to testify them being downright awkward and desperate to get their sweaty little hands on my debit card details.

Just received an e-mail from a "Paul" at Carter Forbes who says he is the "Complaints Officer" at Carter Forbes...(wow Cash Genie passed my e-mail fast enough to them - although I suspect "Carter Forbes" sits in the same office as "Cash Genie" ) Paul is asking for an income/expenditure form and a bank statement to be sent to them...no way matey are you getting my personal financial information... here is the e-mail - Subject: Complaint Response #yiv434682960 P.yiv434682960bd8fab63-36b2-46d1-8f57-73e0bb33fe52 {MARGIN:0cm 0cm 0pt;}#yiv434682960 LI.yiv434682960bd8fab63-36b2-46d1-8f57-73e0bb33fe52 {MARGIN:0cm 0cm 0pt;}#yiv434682960 DIV.yiv434682960bd8fab63-36b2-46d1-8f57-73e0bb33fe52 {MARGIN:0cm 0cm 0pt;}#yiv434682960 TABLE.yiv434682960bd8fab63-36b2-46d1-8f57-73e0bb33fe52Table {MARGIN:0cm 0cm 0pt;}#yiv434682960 DIV.yiv434682960Section1 {}Mr "BreakFree" REF: I write within regard to the recent complaint submitted by yourself regarding the service you have received whilst dealing with Carter Forbes. I am the complaints officer for Carter Forbes and will now be dealing with your complaint. Firstly, I wish to apologise for the service you have received from ourselves. We strive to offer the best service possible and if this has fallen below your expectations I will ensure that this is addressed. I am happy to look at how we can work together in an attempt to clear your balance as soon as possible, as you have explained you are currently not in a position to clear the agreement in full due to your employment circumstances, in order for us to proceed further and agree a reasonable payment plan we require the following so we can come to a suitable arrangement. Completed Income and expenditure form (attached) Copy of your recent bank statement If you could supply these documents to me as soon as possible we will then be able to move forward. Please contact me if you have any queries. Regards Paul Regards Carter Forbes Collections Switchboard: 0845 026 8038 Fax: 0845 026 8037 Email: Website: Please be advised that any payment plan that is agreed regardless of any other communication will only be accepted upon first payment being made on the said date. Enforcement action will continue up until the first payment is made and in the event that a scheduled payment is missed, enforcement action will recommence immediately. Carter Forbes Collections is a member of the Credit Services Association. The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902. The information contained in this message is for the intended addressee only and may contain confidential and/or privileged information. If you are not the intended addressee, please delete this message and notify the sender; do not copy or distribute this message or disclose its contents to anyone. Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Carter Forbes Collections. No reliance may be placed on this message without written confirmation from an authorised representative of the company. Carter Forbes Collections is a trading name of Twyford Developments Limited, Peter House, Oxford St, Manchester, M1 5AN Registered in England. Company Registration Number: 06318376 Consumer Credit Licence Number: 0612733 They seem to be overlooking the fact that I have an e-mail from Luke Barnes @ Carter Forbes who has already agreed to me paying £5 a month... Anyway, this has interrupted the complaint I am writing out to the OFT. I`ll deal with Carter Forbes after that. I`m pretty damn sure I am not required to send them an income/expenditure form and certainly not a bank statement.. Update - Okay one long and detailed complaint has been sent in to the Office of Fair Trading. Anyone else being bullied by Cash Genie/Carter Forbes - get your complaints in

Have been away for the last few days, so thought it`s about time for an update on the shenanigans from Cash Genie/Carter Forbes Hi Jack, yes their behaviour and responses are pretty much similar. They seem to have standard procedures (like other PDL companies) where they ignore your offers of agreements, try loading on charges/interest and then pass to the DCA to scare you into paying absurd amounts to them. Reality is they should only get the original loan amount and 1 month interest. Anything else and they are robbing you. I`ve been battling with Cash Genie/Carter Forbes for a year now and they would love think they can wear you down or scare you into submission. Like all PDL/DCA`s they are just BULLIES!. Unfortunately for them, Bullies only make me more aggressive in return last tuesday (24th Jan), I e-mailed Luke Barnes @ Carter Forbes with an Offer of £5 a month payable via bank transfer as I do not accept giving them my debit card details. Well, after Lukey had initially agreed in his previous e-mail to accepting £5 a month, there has been no response back from him to my e-mail on 24/1/12. Instead I receive an E-mail from Mr Joff Middleton @ Cash Genie, yesterday. Offering a supposed "offer of help" and that Carter Forbes are preparing my account for Court. Remember this is the same Joff Middleton who sent 3 supposed offer of help e-mails after i had originally defaulted on my loan a year ago, but he never responded to my replies asking for an agreement. Instead, Cash Genie loaded on Charges/Interest and passed to their DCA. So, yep, shows how sincere Cash Genie is in their offers of help. I have e-mailed Mr Middleton @ Cash Genie, a letter of complaint this morning. Hi-lighting their bullying and harassment of a person who is a vulnerable group -- i.e I am disabled and Unemployed. I have also informed Cash Genie that my patience is at an end and that today I will submit a lengthy complaint to the Office of Fair Trading - backed up with e-mail evidence. I had held fire on this, allowing them one final chance to accept my agreement, well, they screwed that up. I have also informed Cash Genie that I will staunchly defend myself in court and will also contact my local MSP and National Media (papers seem to love investigating Payday Lenders these days - hello Wonga!) to report the bullying and harassment of a vulnerable disabled person. I include my e-mail to Mr Middleton at Cash Genie below - (I will send a copy of this e-mail to the OFT today along with others e-mails of evidence) OFFICIAL COMPLAINT Mr Middleton I would like to make an Official Complaint on the grounds that Cash Genie/Carter Forbes have and continue to cause me undue stress due to the methods upon which you operate. I am classed as being within a Vulnerable group on the grounds that I am both disabled and unemployed, yet all my dealings with Cash Genie and Carter Forbes have been extremely stressful over the last year. Allow me to explain. You have sent this e-mail with a supposed "offer of help", yet when my account first fell into default status you sent 3 similar e-mails with "offers of help" to me and ignored every single reply whereupon I asked to set up an agreement plan. Then, Cash Genie piled on unlawful interest/charges to inflate a £150 loan to £500!!! After Cash Genie passed this to your DCA dept, Carter Forbes, after much e-mailing and wrangling with a Mr "Mark Genfi", I managed to have the balance reduced to the more reasonable figure of £220, this equalled the original loan amount and 1 months interest - which is technically all Payday Loan Companies are entitled for a 30 day loan. I paid this at £20 a month for 5 months until unfortunately I was paid off from my Job in December 2011 and could not afford to pay anything that month. I had paid £100 through Carter Forbes bank account to date, therefore leaving the balance of £120. I reiterate again, I am Unemployed. I do not receive any benefits. I have been in contact with a "Luke Barnes" at Carter Forbes and like yourself, he sent me "offer of help" e-mails but also ignored my first 3 replies offering an agreement. I have been offering a plan of £5 a month, which is all I can afford as I have to borrow that from my girlfriend due to me having no income. Luke Barnes eventually agreed to £5 a month and asked for my debit card details. I refuse to give my debit card details as I know only too well that Cash Genie/Carter Forbes and indeed many other Payday Lenders/DCA`s tend to raid bank accounts leaving people overdrawn or no money for food/rent etc. I e-mailed Luke Barnes on 24/1/12, that I would pay £5 a month, at the end of each month via Bank Transfer - which I originally paid Carter Forbes in the past. I have had no response from himself or Carter Forbes and now I receive this e-mail below, from you, stating that Carter Forbes are preparing my account for Court - despite Luke Barnes initially agreeing to the £5 a month... I would also like to draw to your attention the following facts and I will present them in court backed up by their documentation as evidence - While paying Carter Forbes £20 a month as part of our agreement, I received an e-mail from Cash Genie stating that my debit card details were due to run out and if I did not update my debit card, charges would be put on my account!!! I e-mailed Cash Genie back stating I was paying Carter Forbes through an agreement and I should not be receiving an e-mail like that. The response from Cash Genie was to send me another e-mail exactly the same - again demanding debit card details and threatening to add charges on my account. I have the e-mails along with all other communications between myself and Cash Genie/Carter Forbes. That includes my replies to your previous e-mails which showed I was ignored. I also have all my bank statements showing payments to Carter Forbes. I have now came to the end of my patience due to the ongoing stress caused by Cash Genie/Carter Forbes. I have tried to be fair and reasonable by paying this debt when I could and offering recent payments when I lost my job recently. In return, I have been ignored, continue to receive threatening e-mails and false promises of "offers to help" I refuse to be bullied any longer by Cash Genie/Carter Forbes and this very day, will be submitting a lengthy and detailed letter of Complaint to the Office of Fair Trading, backed up by e-mail documentation as evidence. I also intend to contact my MSP and several National Newspapers to show how a disabled and unemployed person, who is very vulnerable, is being bullied by a Payday Loan Company and it`s DCA branch. Payday Lenders seem to be popular for investigative articles at the moment. I will also be contacting the Financial Ombudsman if I receive no response to this official complaint. Should you wish to pursue this through the courts, I will staunchly defend myself, as is my right. I am quite sure the Judge would be interested to know why Cash Genie/Carter Forbes did not accept my offers of an agreement, the £500 that was made up of interest/charges and they also might just be interested in the bullying e-mails I have, asking for my debit card details and threatening extra charges. One final time - I offer £5 a month payable via bank transfer. I cannot afford anything more. Yours Sincerely BreakFree This was my final offer and marks moving from being a passive victim to taking a pro-active stance. No more bullying and threats...unfortunately too many of us debtors allow these parasite PDL`s and their DCA`s to treat us like we are guilty lepers. The more people who stand up and do not let them away with their Nazi techniques, the better Right, I`ve got a long letter for the OFT and Trading Standards to compile (thanks sillygirl1)

Hi Beensilly Just noticed your predicament with Wonga. You mention that you cannot change Bank Account because of your work. Can I suggest you report your debit card as lost/stolen and ask for a new one to be sent to you? This should help to stop them helping themselves to your bank account. If you gave Wonga authorisation to use direct debit when you applied, keep an eye open for any new direct debit they might set up, after they realise they can`t debit your card and pillage your bank account. I did this with 3 Payday Companies and it stopped them from getting any money from my bank account. Hope this helps.

Hi 42man I will do, thanks. I have had enough of all these PayDay Muppets and threatening/harassing behaviour. I e-mailed Carter Forbes this morning about the agreement but no response as yet. They like to play their little games I`m past caring about the threats of CCJ`s from these bottom feeders and actually very willing to defend myself in court with the ammunition I`ve got already. I would also go to local media, (Payday Companies seem to be popular with the papers these days) and my MSP with the story of how they have harrassed a disabled person who had lost their job, yet ignored my attempts at a reasonable agreement - instead trying to add on ridiculous interest and charges. Obviously the OFT as well. To show the sheer greed of these DCA`s, I was told by Mark Genfi of Carter Forbes that myoriginal Loan of £150 had jumped to £500 when it was passed to them from Cash Genie! This is how he broke it down..(original quote from E-mail) The balance sent over to us is at £500 Deposited 150.00 Interest 225.00 Charges 125.00 Total Payable 500.00 I told him it was original loan + 1 month interest or nothing, which is why my balance is now only at £120, after paying £100. They are chancing leeches...even with all the recent media interest and articles about PayDay Loan Companies, they still don`t seem to care. If anyone else gets harassed by clowns like these, lose the fear of them...the worst they can do is go for a CCJ and hope you don`t defend yourself and when you do, they have to explain to a judge why they added ridiculous interest and charges.., also report them if they telephone - tell them e-mail only, NEVER give them your debit card details or set up a direct debit to them - ask for their A/C details and pay by online transfer if you get an agreement. All their entitled to is the original loan + 1 months interest. Give `em no more Enough of my rants lol, I`ll get an E-mail composed and sent off tommorow to the OFT, 42Man. Oh nearly forgot...another classic for the OFT...while I was paying my £20 a month to Carter Forbes (before i lost my job) I received several e-mails from Cash Genie asking me to update my debit card details as they would be obsolete soon (surely they realised I cancelled the card quiiiite a while ago ) OR THEY WOULD ADD CHARGES to my account. I e-mailed them back and said I was paying £20 a month in an agreement to Carter Forbes and that they should not be sending me an e-mail like that. Response? I got another the exact same... I have these e-mails from Cash Genie with the timestamps and they will be included in my complaint to the OFT. These folk should be jailed with the stuff they get up to. 26/1/2011 - Still waiting for their acceptance of my proposed agreement which is £5 a month via bank transfer and not debit card. It`s a limited time offer, Carter Forbes...

I took a payday loan of £150 from Cash Genie over a year ago - yes, stupid me! I fell into financial difficulties right after that and ended up defaulting on the loan. I received about 2 or 3 e-mails from a Joff Middleton at Cash Genie with a supposed "offer of help", which I replied to each time but was ignored. It went quiet for a bit and then their kin, Carter Forbes started e-mailing me. A Mr Mark Genfi from Carter Forbes to be exact. I replied to him and after a few e-mails back and forward where he was asking for £500 - the majority being trumped up interest and charges, I stuck to my guns and said I would only pay the original loan amount of £150 + 1 months interest which = £225. He agreed to that eventualy. He also wanted debit card details and I politely told him No, BACS only. After a few more e-mails, he agreed to this and so I paid £20 a month up until December 2011 but then I lost my job and couldn`t pay anymore. I had paid £100 off by this point. Fast forward to January 2012 and I get the Carter Forbes e-mails again, this time from a pillock named Luke Barnes. Good old Lukey likes to send the standard Carter Forbes e-mails where they state they would like to help and they understand about financial difficulties, we need an arrangement or this will go to legal and we are one of the few companies who use CCJ`s. If you wish we can get your old balance back with Cash Genie for a £20 roll over etc. I replied to good old Lukey 3 times now, stating I can only afford £5 a month as I have no income (which is true - we live on my GF`s part time wages). Lukey aka Carter Forbes aka Cash Genie just ignores these replies and then I get another one from this *Beep!* saying this is the second e-mail he has sent and there is no agreement in place and he is the personal manager for my account. This idiot just ignores anything I have previously e-mailed to him! I`ve offered a £5 per month agreement for the remaining balance of £125 (i will not pay anything more) 3 TIMES now and it gets ignored. My last e-mail to him went along the lines of.. if you don`t want to accept my offer and even acknowledge it, then go down the legal route all you want and I will show the e-mails with the timestamps as proof to the court, that I did try and deal with scumbags. I honestly feel so much anger towards Cash Genie and Carter Forbes that I could quite happily crack their collective heads together I`m of a mind to just ignore them now and if they pursue a CCJ, then defend myself in court and point out I tried to reason with them but they ignored me and just add on charges.. - Update- Carter Forbes/Cash Genie must haunt these forums looking for any bits of info they can glean...I just received an E-mail from Old Lukey @ Carter Forbes saying they will accept the £5 a month agreement until £120 has been paid. Wow, coincidence or what... Unfortunately Lukey has asked for it to be paid by debit card which just isn`t going to happen...as I would never trust any of this lot or any DCA not to try dipping into your bank account at any moment..They really do try it on! So if Lukey/Carter Forbes accepts the BACS transfer system, like I paid previously, then this might be less painful than it needs be. - Update 2- Have e-mailed Carter Forbes back stating I`m more than willing to pay £5 a month to clear the £120 balance, provided I can pay by online bank transfer to their A/C as I do not give out my debit card details for security reason. Also asked that Cash Genie mark my credit record as "settled" upon clearing this balance. Now awaiting reply to this.