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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Cash Genie & Dca


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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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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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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:

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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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