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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Cash Genie & Dca


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I am putting together a complaint to Trading Standards and all the other Council Depts their parent Company has Contracts with. All the 130 Councils according to their parent Company web site, they have Contracts with.

 

I am setting a web site up about this and which Councils I am complaining too. Feel free to PM me if anyone wants more info.

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Hi just a quick update, would be interesting if anyone else is having this experience.....

 

I'm repeatedly receiving the same texts and emails from a company called everydayispayday.co.uk asking me to apply. Each day I get more and more (sometimes upto 5 texts!) And, each time the emails become more and more 'attractive' (i.e discounts and quicker transfer times). Just now I have received another, and the email was marked as 'high priority'. After coming back and updating myself on the thread, I see they are the same company as cash genie, who, obviously I am an arrears with and am trying to sort out a payment plan. Why do you think they are doing this? They did say they were sending a letter to my employer but I have this month changed jobs. Do you think they are trying to get hold of their contact details? Seems odd to me?

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Ah maybe! I opened up a new account with a different bank that my wages can go into. I am just about to close my other account as I have read many people have set up payment plans and they just help themselves regardless. Thanks, good job I'm no longer taking out payday loans!

 

Remybarnie - Have you had any luck setting up a payment plan?

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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???

 

 

If you are saying they never obtained a CCJ and the AOE form is not real, then yes, if the form is designed to fool the employer into thinking it is real - it is fraud. Can you post a copy up here (minus all identifying info)?

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Hiya,

 

Agree if not real = fraudulent

 

Even if real (unlikely) = given what you say about not recieving any correspondence or a CCJ then with the right advice from the more wise here should be able to set aside

 

Has your employer recieved the letter/attachement of earnings form? If not they might be variant of the usual threats. If they have it presume they are not simply acting on it without further reference to you? (If they have acted on it then you have comeback on them as well!!)

 

Best of luck

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi

 

Just wondering if anyone can give me some advice. Up to saturday I owed up some money to Cash Genie. They got their money on saturday 21st by withdrawing 6 different amounts on my bank card - all together over £600.

The only problem is, my bank card was less than a month old - i had not given them the details and i have emails from them asking me for the details.

Having seen posts from other people on here, I am concerned that I have been taken in by the text messages i received from everydayispayday. I went to the website in the messages and applied for a loan giving my bank card details.

Does this count as fraud if they have obtained my bank details in this way, and if so what can i do please?

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I would contact your bank and dispute it, they can do a chargeback for you. Tell the bank you never gave them your card details. I would say this is fraud.

 

I was speaking to SillyGirl1 on the phone today we both think something needs to be done about them. Out of all the Payday Loan these seem to be worse breaking all the rules in the book and acting fraudelently. Watch out for them contacting your neighbours and employer.

 

I would also email their Trading Standards Dept at Suffolk. Cash Genie are based in Ipswich Suffolk. There email address is [email protected].

 

The more people that email the more notice they will take.

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Cash Genie would like to offer it's sincere apologies for any concerns you have relating to our services.

 

Cash Genie always works to accommodate it's clients financial situations. If you have a genuine concern, we would welcome the opportunity to resolve any issues directly with our clients. Please feel free to contact the Senior Managers Office on 0800 046 8121.

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Cash Genie would like to offer it's sincere apologies for any concerns you have relating to our services.

 

Cash Genie always works to accommodate it's clients financial situations. If you have a genuine concern, we would welcome the opportunity to resolve any issues directly with our clients. Please feel free to contact the Senior Managers Office on 0800 046 8121

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Application / Licence Details

 

 

 

Licence Number:0626604

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberIn Time Finance Limited6463798

 

Categories:

 

Consumer credit Credit brokerage

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Cash Genie Hamilton McCarthy Legal Recoveries Payday is Everyday

 

Issued Date: 01-Apr-2009

Date Maintenance Payment Due: 31-Mar-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionDaniel McPhersonDirectorSarah Matthews

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressCorrespondenceNeptune Quay, IPSWICH, IP4 1AX, United KingdomPrincipal Place Of BusinessFisons House, 159, Princes Street, IPSWICH, IP1 1QJ, United KingdomRegistered OfficeNeptune Quay, IPSWICH, IP4 1AX, United Kingdom

 

Historic Address(es):

 

Address TypeAddressPrincipal Place Of BusinessWaterfront Hous, Wherry Quay, IPSWICH, IP4 1AX, United KingdomPrincipal Place Of BusinessWaterfront House, Wherry Quay, IPSWICH, IP4 1AX, United KingdomRegistered OfficeChapmans Warehous, Neptune Quay, IPSWICH, IP4 1AX, United KingdomRegistered OfficeChapmans Warehouse, Neptune Quay, IPSWICH, IP4 1AX, United Kingdom

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  • 2 weeks later...

Send the email from Marstons to Ipswich Trading Standards, in this instance Marstons are only acting as debt collectors and not as bailiffs and are therefore misrepresenting their powers. They MAY send somebody along who is a bailiff to collect from you but if he states he is a bailiff collecting he is out of order and is nothing more than a common thief without a warrant or court paperwork. I cannot stress this enough.

 

Certain sectors think that by using Marstons headed paper they will get results, but all they seem to be getting is people googling the company name and ending up here.

 

Wonga used this tactic and it backfired on them, interesting to see who else tries using Marstons (who really do need their knuckles rapped severely over that email).

 

I would also get your local MP involved if possible - certain sectors of the Houses of Parliament are looking more closely at debt collecting tactics.

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