Cash Genie & Dca

[sillygirl1]

Whilst that may be the case you still need to report them to Trading Standards for using a bailiff firm to collect a 'civil debt' and report Marstons for exaggerating their authority - here they are nothing more than a doorstep collector.

[1 Month Loan]

This is an official statement from 1 Month Loan, a trading name of Fortress Group (UK) Ltd.

 

It has been brought to our notice that there is a suggestion, from within this forum, that certain individuals and another payday loan company may be associated with 1 Month Loan and or The Fortress Group (UK) Ltd.

 

We wish to be clear that whilst Mr Peter Tuvey and Mr Barry Sillance were previously employed by 1 Month Loan, they left the employment of 1 Month Loan in May and June 2009 respectively, and have since their leaving have had no association with either 1 Month Loan or The Fortress Group (UK) Ltd.

 

We appreciate that these individuals and In Time Finance T/A Cash Genie have not made any claim to being associated with 1 Month Loan or Fortress Group (UK) Ltd.

 

We would like to advise that Fortress Group (UK) Ltd maintains high standard within the lending industry and operates fully within its Consumer Credit License. As part of this we have a complaints procedure which is detailed on our website and we would like to invite anyone who has a complaint about our company or any communication you have received from us to email our Compliance Officer, Simon Hatch, [email protected].

 

Regards

 

1 Month Loan

Edited October 9, 2009 by 1 Month Loan

[ALFIE1978]

Well if the above statement is true then well done to Cash Genie and One Month loan for getting rid of Peter Turvey he is bad..if any site team want to know my experiences pm me..I have put a police compliant in against him..and the best bit is after talking to him I have recorded phone calls!

p.s any1 have a pic of this man?I'm a good darts player

[cirian75]

Had that same email today.

 

They also took money from an account that I hadn't even registered with them! What a joke! And I have a repayment plan in place with them. I am about to report them to Trading Standards.

 

 

aint that criminal theft/fraud ?

[haribo10]

That's what I have said to them and have asked for the money to be returned asap otherwise the Police will be involved.

Let's see what happens............

[42man]

LicenseeCash Genie UK LimitedAlso Trading AsIn Time Finance

Payday is everydayCategoriesConsumer credit

Credit brokerage

Debt collectingRight To Canvass Off Trade PremisesNoLicence No0630949Commencement Date09-Oct-2009

[norfolk enchance]

hang on a minute. im not defending cash genie in anyway. but if you borrow money the general idea is you pay it back. you make an agreement with them and stick by it. ive used them many times and found them to be helpfull and courteous at all times. only once i had a problem. they understood and reduced the payment to a managable level. so i suggest before you borrow remember the golden rules. if you cant pay it back dont borrow it. and there is no such thing as free money. yes you have to pay interest. i do and i dont gripe about it.

[sillygirl1]

General opinion on this site is most people want to pay their loans back, but can't do it in one go, so these companyes should allow you to pay back in three months and NOT raid your bank account in the way they do.

 

I have reported the above post to the Moderators as it clearly seems to be at odds with this general thread.

[norfolk enchance]

please feel free to report it. what ever happened to freedom of speech then ?. i have no connection with cash genie only as a customer. so therefore what you are saying is that only negative comments can be posted ?. has anyone else got any posative comments or are these removed also. i only fell on this forum after searching for cash genie as i had to reformat my computer and lost all my favorites. so come on as the saying goes

 

I MAY NOT LIKE YOUR OPINION BUT I WILL FIGHT FOR YOUR RIGHT TO SPEAK IT.

[42man]

I agree with you, but contacting neighbours ? this is against the OFT's guidelines....and adding Crown Court to a debt collection letter implies it is a criminal offence which is misleading....and collecting when your licence doesn't extend to debt collection ? What is your take on that ?

[norfolk enchance]

oh and you can pay back in 1 go. so long as you arrange it with them. dont just pay it. call and arrange. i have done this many times. im shocked by the treatment some people have had im not denying that. but how did they become in that position anyway ?. that is the underlying factor. call them. keep them informed. i have and had no problems at all.

[norfolk enchance]

ok. if they are working outside the authorisation of the licence then bang out of order. but if that is the case then why has their licence not been withdrawn ?. maybe when i need them next i will raise this. from my point of view i belive only half of what i read these days to be totally honest. as i said from my personal prospective ive found them to be very helpfull in everyway ?. maybe some more posative comments would eleviate the negatives. you only ever hear of bad things about people never the good things hence the reason im posting.

[42man]

I think a quick search of the net will reveal a lot more bad stories than good ones !!

[m12345]

this isn't a forum where people come to praise these types of companies. we choose to come here to ask for advice, that is why you are reading negative comments. Peoples circumstances can change. I can safely say i have learned from my experiences and am taking the steps to clear every single debt i have thanks to the people on this forum.

[Norman Stanley]

I think there's a huge amount of nonsense being talked on here. Firstly, small claims (payday loans) can only be pursued through the COUNTY court, not magistrates or crown court. Action can be taken online or through the traditional process via the local court. Each summons costs the lender more money and for the amounts prevalent in the payday loans sector it is not viable i.e. more good money after bad. Instead of trying to beat the system why don't you make a SENSIBLE offer to the payday loan company and then deliver them the ultimatum - take it or leave it. They will know what a sensible offer is as there is sufficient data available for them to make a judgement on what you are offering. All this posturing about TSO,OFT, MP's etc avoids the real issue. If you borrow something (and you've told the truth on your application) then you will eventually have to pay it back. Trying to find licence issues etc after the fact is a useless waste of time - you've borrowed so pay up - then pursue the licence issues. What the barrack room lawyers should realise is that all the time they are providing "advice" for people to avoid their responsibilities they are inevitably forcing up the cost of borrowing for those of us who use these facilities sensibly.

[sillygirl1]

Norman Stanley you are missing the point here - these companies are not always 'reasoned with' and cause a lot of misery to their clients.

 

This site is not about being 'barrack room laywers' as you state and it is not about 'avoiding paying back what you have borrowed by pointing out flaws in the agreements.'

 

Your views are not the mainstream views of the users of this site and your post has been reported to the moderators.

 

Yes, you are entitled to your opinion and views and there are other forums of this type on the internet who would welcome you with open arms.

[Norman Stanley]

I think you'll find that my post consisted of FACTS as well as my view. It's highly revealing that your quote 'avoiding paying back what you have borrowed by pointing out flaws in the agreements.' is not something I said!!

 

If you sit in front of a registrar in a county court and try and tell them you haven't paid because you think there is a license/documentation/not in the spirit of the CCA etc etc you will find yourself with a judgement because you have defaulted on your loan - period. You MAY then receive advice as to how to pursue your grievance.

 

I fully understand these companies may cause misery to some of their clients but those same clients were happy to take the money so they should address the problem head on - make an offer (in writing, keeping a copy) and tell them to take it or leave it. I suspect you'll find that eventually they'll take it.

[robjam1969]

Norman - I am with Sillygirl on this one.

 

How can you make an arrangement with a company in good faith, when behind your bank they will try and empty your account.

 

By all means people should pay back what they owe. I agree with you that they have little choice but to eventually come to an arrangement but the harrassment you get before you get to this stage can be unbelievable. For example writing to all a debtors neighbours.

 

People need to take steps to protect their interests then fight back against these companies. If this involves exploring the legality of the contract then so be it.

[Norman Stanley]

Nowhere have I said or even intimated companies should be allowed to act outside the law. The point I am trying to make is there is a way to get this stopped and it is not by trying to catch these companies out by attempting to be cleverer/sneakier than them.

 

Firstly, (and I repeat) pay them back or make a documented offer to repay an amount you can afford but ensure it is documented. THEN make your representations to the various bodies that purport to protect the consumer and invoke whatever legislation you believe they have breached.

 

Bleating about how bad they treat people won't stand up in court unless you do something proactive and it will be a miracle if you can enforce any claim for stress/time/cost etc and you will ony be able to try and enforce it as a counterclaim.

 

THEY WILL NOT TAKE YOU TO COURT (imo) as the time involved and the further costs they have to outlay are not worth it for this size of loan, bearing in mind (with respect) the general profile of borrowers of these products.

 

Their collection efforts, no matter how dishonest,immoral or illegal will not lead to a loan being cancelled unless the original loan agreement is flawed (and these companies, if they do anything right, are likely to ensure the agreement is enforceable).

 

We are probably in violent agreement on all this it's just the methods we would employ seem to differ.

 

I can't really see that complaining about my opinions to a moderator or making snidey remarks about my impartiality either further the debate or help people who clearly are in need of support and guidance.

Edited October 29, 2009 by Norman Stanley
typo

[Norman Stanley]

1. I take your point.

 

2. If they are litigious all their claims will initially be in the same court (I seem to recall Ipswich/Norwich somewhere earlier in this thread??) before being transferred out to local courts for enforcement - if it ever gets that far.

 

3. When you say they are aware - are you sure you are communicating with them at their home address? All kinds of people can pretend to be directors/supervisors/managers via a work place but they will get a shiver if they had a letter to their home address - they would not want to ignore that.

[42man]

You really do not need to send correspondence to their home address...a business address is sufficient. And a free search on the OFT's website will reveal the names of the Directors/Officers and their registered addresses, and as we recommend all correspondence sent by recorded delivery, then there is no need to pay to get Director Information from Companies house or Creditgate... And if you want to know about the litigation processes then please do read here - DCA Legal Successes - The Consumer Forums ...you will find plenty of 'won' cases by 'barrack room lawyers' there....i'm very surprised you have only posted on this particular thread

[Pokerace]

Jeeze! You take a hammering on here if you say anything positive! I'm not gonna, you guys might beat me up!

[robjam1969]

And what brings you to the pay day loan forum Pokerace - a strange place to start with CAG. Maybe you have a problem you would like to discuss?

[car2403]

Jeeze! You take a hammering on here if you say anything positive! I'm not gonna, you guys might beat me up!

 

On the contrary, we're more than welcoming to those legitimate consumers with real stories - positive or negative - that they want to share. What we do take issue with is the number of clone accounts created to make smoke and use mirrors to misrepresent the experiences of those that are clearly linked, in some way, to, or otherwise have some interest in promoting these companies.

 

And what brings you to the pay day loan forum Pokerace - a strange place to start with CAG. Maybe you have a problem you would like to discuss?

 

Well, only time will tell, should they return and further explain their input. We do need to be careful not to jump on newbies that are here legitimately and I can assure you that the site team have enough tools at their disposal to be able to weed out those that shouldn't be here.

[car2403]

While we're happy to expose some companies that have unscruppulous procedures, what we can't do is expose this forum to potential legal action by getting out of control and posting up potentially libellous comments.

 

If you can reign it in and stick to the facts, please, then