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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.

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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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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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I've heard it's quite common for payday loan companies to do this. However I thought maybe because I've changed jobs it could've been that, could be both I suppose, who knows!

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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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Tz2north. M12345

 

Will dig it out a bit later and post it. I will PM you a bit later too with details of the web site. I am just talking on email to another old long established Cagger about it now. We are working on it.

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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 tradingstandards@suffolk.gov.uk.

 

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

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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If anybody is receiving any correspondence from Hamilton McCarthy Legal Recoveries to report them to the OFT and Ipswich Trading Standards.....

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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Im not sure where to begin.

i may be too late.

but one question arouses suspicion.

information about me was known by this company and another.

are your passwords for this company's login and your E-mail the same????

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Remy can you start a new thread here - Legal Issues - The Consumer Forums

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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You should have the protection of the Consumer Credit Act....!!! Next step is the civil procedure rules !!! but start a new thread and give me a shout....

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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Can you post up the claim form ?

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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Have you scanned / taken a photo of the claim ?

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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  • 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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