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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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i take back what i said about cash genie!anybody currently in arrears with this company please dont let the account go to the DCA. All of my neighbours have today received letters asking them to confirm where I live!!! and added information of what it was regarding, they are getting reported right now!!!!!! i did go to the CAB in tears but they said my debts arent large enough for their help :( just told me to report them and send letters out! so anyone reading, BE CAREFUL what a nasty tactic to humiliate you!:mad:

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They will do anything they can to make you pay the debt back. The cash genie office is near to where I live, its a scummy building and looks quite a small company. Cheap plastic sign on the wall. have you tried contacting your local trading standards?

August 2010 - Debt Relief Order Ends! :)

Complaint with FOS re: Bank Charges - Financial Hardship

 

Email me for advice on DRO/DMP

 

If I have been of any help, Please tickle my scales

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I'm going to yes, it is so embarrassing, people have been coming round handing the letters back (4 so far). CAB told me to report them but the woman I spoke to wasn't really upto date with things, she wasn't aware of what a payday loan was. Wish i'd never heard of payday loans!

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Cash Genie have clearly broken the data protection act by disclosing private information to your neighbours.

 

If you need help with this you are more than welcome to pm me as I've dealt with this sort of thing before.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Cash Genie have clearly broken the data protection act by disclosing private information to your neighbours.

 

If you need help with this you are more than welcome to pm me as I've dealt with this sort of thing before.

 

Thank you, it was the DCA though who sent the letter though. They're called Hamilton Mccarthy. I will pm you soon thanks :)

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Least thats another thing you can do with trading standards and because people have gave the letters to you, you have proof.

 

I think we all wish we never heard of payday loans but we will all survive and you know you won't go back. They are fine in the short term if and only if you can afford them but if this is the case, you should'nt need the payday loan anyways.

August 2010 - Debt Relief Order Ends! :)

Complaint with FOS re: Bank Charges - Financial Hardship

 

Email me for advice on DRO/DMP

 

If I have been of any help, Please tickle my scales

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Absolutely disgusting.....terrible.... - Can you post up one of the letters please ? (minus the personal details, reference numbers, amounts)....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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Do you have an address for them also please ? website ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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m12345, am pm'ing you now

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Do you have an address for them also please ? website ?

 

Cash Genie - Fast payday loans, UK. Borrow

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Cash Genie is a trading name of :

In Time Finance Ltd, Chapmans Warehouse, Neptune Quay, Ipswich, Suffolk, IP4 1AX

  • Registered in England, Number: 0643798
  • Consumer Credit License Number: 626604
  • Data Protection Act License Number: Z1652360
  • V.A.T Number: 944919777

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Hamilton McCarthy details ? Cash Genie look bona fide, although again i'd like to see one of their 'agreements' if they provide them...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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hi 42man cant find details of them on the internet. The letters they sent were all written on expensive paper & they look pretty legitimate. I have just been advised to report them. It's so embarrassing though, but atleast I have the proof as a couple of neighbours have given them to me (god knows how many people received them!) They obviously know my address just thought they'd embarrass me! Their address was on the letter I will post it when I am home tomorrow.:)

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I too have had this company write to all my neighbours - very embarrassing. I have given them my debit card details to take £20 per month from me on my paydya every month. They have taken just over £400 from me in one go instead of the agreed amount today????? How can I fight this? Please help as I am at my wits end :(

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Phone your bank, tell them to recall the transaction as the account is in dispute. Don't give any other details, they have to refund you. Also report the card as lost so they can't take any payments again. Phone Cash genie and ask for bank details and set up a standing order for £20 a month, that way, its under your control.

August 2010 - Debt Relief Order Ends! :)

Complaint with FOS re: Bank Charges - Financial Hardship

 

Email me for advice on DRO/DMP

 

If I have been of any help, Please tickle my scales

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  • 3 weeks later...

Hi, my daughter has had a bad experiance with cash genie today 14/9/09.

she had fell behind with her payments,so agreed to pay £40 per mth from today on a payment plan with them. when she went to the bank this morning she realised they had took £683-. She called me at work in tears,i got straight on the phone to them,but found them rude,argumentative,and they said that the amount they took were charges etc,and that they would not refund the money.

I informed them that my daughter had a payment plan with them,and he said they had decided to take the money anyway. I have told my daughter to call the bank,and request that they recall the transaction as the account is in dispute,i hope this works..........?

These companys are just loan sharks,they get your card details and take what they like,then try to justify it by saying it's charges.:Cry:

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I too have had this company write to all my neighbours - very embarrassing. I have given them my debit card details to take £20 per month from me on my paydya every month. They have taken just over £400 from me in one go instead of the agreed amount today????? How can I fight this? Please help as I am at my wits end :(

 

It's disgusting isn't it. I rang them and asked why I should cooperate with them after sending out all of these letters after I had tried to set up a payment plan. They claimed it wasn't them even though they had previously said they had 'passed on the debt' to this company. I had this happen a total of 3 times, god knows what the neighbours think!!!! I have opened up a new bank account as I'd got into a bit of a mess with a couple payday loan companies including the infamous toothfairy and have now written to them asking to set up payment plans, but am NOT giving them my bank details, no way! Up to now heard nothing.........:confused:

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Cash Genie and Hamiltion McCarthy are the same people. Do a search on the on Consumer License Register.

 

Public Register

 

There Consumer Credit License Number is 0626604

 

Their trading companies are Cash Genie, Everyday is Payday and Hamilton McCarthy Legal Recoveries.

 

What is more revealing and actually very frightening is if you do a whois domain name search on cashgenieloans.co.uk

 

WHOIS Query

 

If you then google the people who own Cash Genie domain as per the domain name search you will a huge shock as to these people really are.

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See my post directly above. In July they had a journalist investigating them and at the sametime on the 27th July 2009 the Director and Company Secretary resigned.

 

See here Companies House records for In Time Finance Ltd Companies House number http://wck2.companieshouse.gov.uk/e1684d0f11a7033cdf14dd6dd8ead01f/wcprodorder?ft=1

 

If you compare the Companies House record to the Consumer Credit License register Public Register Consumer Credit License number 0626604

 

You will see that those resigned Directors are still on the Consumer Credit License Register.

 

As a Consumer Credit License is based on individuals proving they are fit and proper people it would seem that they do have an update and valid Consumer Credit License.

 

None of the people listed on the Consumer Credit License involved in the Company as per Company House records.

 

So they would appear to be trading without a valid Consumer Credit License

 

It definitely appears the OFT should be involved.

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I have just been done by them as well! I agreed a payment plan of £5 per week, logged into my account and they have tried to take all sorts of amounts according to my bank, one was for £400, one for £300, £200, £100 and a few lots of £50s, then when they were unsuccessful they tried £10 and that worked 3 x times.

 

So they will NOT be getting their £5 a week for the next 6 weeks seeing as they have already taken that money! Oh and I have stopped the card!!! :mad:

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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Hi Looby

 

Typical of companies in this sector. Watch out for the letters to all of your neighbours! They have done this to a few people, probably to embarrass them in to paying.

 

The motto has to be always pay by standing order. these people can't be trusted with your bank/card details.

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Yes and they have written to my Employer giving details of the so called alleged debt with an attachment of earnings order. Even though they have never issued a Default Order or CCJ. Or even sent any correspondence to me in writing about the so called alleged debt.

 

They are claiming that when trace someone they can contact their employer as it its in the supposed contract. However OFT guidelines state that they should do not anything that over rides your legal rights. They are breaching the Consumer Credit License as they are taking away your right not to have details given to 3rd parties.

 

I am wondering if by overriding a persons legal rights they are invalidating their Consumer Credit Agreements? Does anyone know??

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I think that the data protection issue will be looked at separately to the CCA issue, however, to continue to hold a CC licence they must show that they are fit to do so (or at least show that they are not unfit to do so..) Part of that "fitness" would be compliance with all of the standards, laws and guidance issued by the relevant bodies.

 

Also, they can not get an attachment of earnings order unless they go to court and a CCJ is awarded. So if your employer has received one -

a) is it real? Because if it isn't then a clear case of fraud on their part

b) A serious breach of data protection which would be worth pointing out to the IC, OFT, TS and FOS

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When I read the OFT guidelines it stated that details of any alleged debt must not be given to 3rd parties plus any Company should not sign away your legal rights, for example refusing to give a refund on faulty goods. Surely the Contract is signing away your rights to privacy both under the OFT guidelines, DPA and Human Rights Act?

 

The letter they will be getting an attached earnings order following them obtaining the CCJ for the supposed debt.

 

They have sent to my Employer a copy of a completed Attachment of Earning Court form.

 

They have never written me about any debt, sent any default notice or any CCJ.

 

They just sent the letter giving details of the debt to my Employer and an Attachment Earnings form. Even though they have never written to me, sent a default notice or obtained a CCJ?

 

Edit: The Attachment of Earnings form is not real.

 

Is this fraud???

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Apologies, I replied on the wrong thread !!! lol....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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