BE VERY CAREFUL!! I have been dealing with this all afternoon. There is nothing I can do, it turns out that I had an old loan with Paydayiseveryday which was old and unsettled which my partner took out right before we split. I have then applied for a Cash Genie Loan who declined but then took what I owed paydayiseveryday because they are one and the same. Quite clearly states in the small print "7.1 You agree that if you apply for a loan and you already have an outstanding balance with Ariste Holding Ltd or any of its trading names such as Cash Genie, Payday is Everyday or Txt Me Cash, we may collect the outstanding balance from the account you provide in relation to your application before processing that application" Lesson well and truly learnt!

I have just had the same thing happen to me today only I don't owe Cash Genie any money. Ariste Holdings (t/a Cash Genie) have just taken £196 out of my account in 5 different transactions!! NATWEST are point blank refusing to refund me the money and I have to wait until the payments are cleared before they will do anything, they say I need to claim the money through Cash Genie!! What's more, they haven't even advised me to stop my card!! I am fuming and its my daughters birthday today

Thanks for your replies. I wrote to them at the time I posted this thread and requested that as they agreed in their previous emails, my invoice should have been paid on 30th April and wasn't, I was therefore giving them 7 days to pay my invoice before I took the issue to the small claims court. They wrote to me the day after to say that they were auditing my work for the month of April before deciding whether or not to pay my invoice. Firstly, I did not work the month of April, I ceased working for them at the end of March and submitted my last invoice then. They have since ignored all my emails and calls and haven't paid my invoice so I now have the claim forms I need. Is there any particular way I need to write the claim form? Any do's and don'ts? I really cannot afford legal advice and want to get this right!

Hi all, when it comes to horses, I don't have much luck so I'm feeling a little silly today! I'm looking for some advice here as I don't know where to turn. I know this is an odd topid for CAG! We bought a pony for my nervous daughter of ten. We have been looking a very long time for the right one and we thought we had found her. The advert for the horse included "a safe sensible ride who works well in the arena and hasn't a bad bone in her body" It also stated "no vices" which is a near impossible with horses, I know! We trialled her twice at the owners, my daughter jumped her, hacked her out and did all the usual flatwork, the pony was ideal and I can honestly say she did not put a foot wrong so her owner delivered her last Thursday. Now I know its not quite a week and every horse needs time to settle but this pony is dangerous!! I asked the owner how long she thought we should leave her and she said she would be fine to ride the next night. On bringing her in, she was bargy and a nightmare to tack up but we took it slow thinking that she was just nervous in new surroundings. As soon as my daughter got on the pony, it kept stopping and backing up, if my daughter put her leg on then she would buck, if she didn't put her leg on then she would keep backing up. Eventually, the pony threw a huge buck and dumped my daughter in the arena. An older more experienced rider got on her and she also got dumped after the pony reared and then bucked her. We didn't have a whip and both girls were only using leg aids. I spoke to the owner that night and she said that the pony had never ever bucked, reared or kicked and she must not have settled, she recommended that the next day we lunge her to get her used to the arena and put my daughter on the lunge line. Our instructor put her on the lunge line and the pony went nuts, aiming a huge kick at the instructors head and narrowly missing her head. We worked through it and my daughter rode her but again, the pony kept backing up and threatening to rear if my daughter asked her to walk on. My daughter got her to do the basics and then ended the lesson early. I updated the owner that night and the owner confessed that even though she recommended we lunge her that she had never actually lunged her and had no idea what she would be like!! She also went back on her statement that the pony never bucked and said she did buck when a whip was used on her, we never used one. Sunday was much of the same, only by this point my daughter was too scared to get on her so the experienced girl rode her and had to fight her all the way. The owner just kept saying she hasn't settled. I rested her on Monday as I felt like it was too much for the pony and last night the experienced girl got on her again. It was horrendous!! The pony was playing up the whole time, throwing huge bucks and backing up and going onto her back legs. When the girl asked her to walk forward she virtually ran backwards, slamming into the other horse in the arena, when she reached the fence she started to rear, very almost going backwards over the fence with the rider on her. I don't know what to do, the owner refuses to come and take her back as she says she no longer has the money and just says she hasn't settled. The vet witnessed last nights episode and was shocked that she had been sold to us as a childs pony, he said he would be willing to provide a statement to last nights behaviour and recommended I give the owner 7 days to return the money or I should go to small claims court. This pony has supposed to have had novices on her all her life and done pony club, xc and sj as well as taken nervous riders to the beach! There is no way on earth I would sell her on as I would never forgive myself if anything happened to another little girl, its more good luck than anything else that no one has been hurt with us. Is there anything I can do or is it just my stupid fault for taking the pony without trialling? Many thanks

Thank you x

Hi all, I've made my way here after going round in circles wondering what to do so I apologise for any ramblings and would greatly appreciate any help or advice. I worked as an employee for 6 years for an internet employment law company. The owner sold this last year and the new owners took me on as a freelancer/self-employed. I got paid on a 30 day invoice basis, so I worked a month,, submitted my invoice at the end of that month and got paid 30 days later. I have always had to fight for my invoice payment every month as they were terrible payers! The company has struggled financially and at the end of February this month they told me that they no longer required my services and confirmed in email that it was on no reflection of my work, they simply didn't have enough work to keep me on. They also confirmed in writing that as my last working day would be 30th March, my last payment would be 30th April. I submitted my invoice at the end of March and returned their equipment, laptop/phone's and have heard nothing since. My wages were not paid in on 30th email so I emailed them to ask where it was, called them and heard nothing. Yesterday morning, I emailed them to say that if I did not have a response or my wages weren't paid then I would have no option but to issue a claim through the small claims court. Last night I received a reply from them to say that they are issuing an audit of the work I did in APril for them and they would send the results via registered post when completed. I didn't even work for them in April! I know they are strapped for cash and they push for time every month but I don't know what to do now. I don't have the money to issue a claim online as they haven't paid me and am temporarily in receipt of housing and council tax benefits and have had to apply for job seekers allowance as I am only working4 hours a week. What can I do as they have made me so mad and left me in serious financial trouble!