Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4406 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Took a payday loan out with Cash Genie, who automatcaly rollover your loan unless you tell them that you don't want this to happen.

 

I decided to take control due to financial difficulties and cancel my Debit Card, upon doing this I emailed Cash Genie and offered an Installment Plan to pay the loan off over 6 months, however I toldthem that I am only prepared to repay the original loan amount plus 1 months interest.

 

Cash Genie have refused my Installment offer and insist i phone them to discuss the matter as they are there to help!!!

 

I have received 4 text messages offering me to repay £10 and rollover my loan and have all interest and charges waived, but I have to phone them. I have also received the following email........

 

As a special offer to help you get your account back on track, for today only we are offering all of our customers the opportunity to rollover their loan for the sum of just £10.

 

Regardless of the age of your loan with us, ALL charges and additional interest will be waived and your account rolled over until your next payday if you can pay by 5pm today.

 

To take advantage of this fantastic offer, you can either reply to this email, or call 0800 046 8121.

 

All we need from you is the following:

 

· Mobile phone number

· Current address

· Current employer

· Next Paydate

· Debit Card Number

· Expiry Date

· CV2

 

This is a genuine offer of help which will only be available until 5pm this evening.

 

So, they wont accept my Installment plan but want me to pay £10 to rollover the loan..... They must think I am stupid as all they are doing is fishing for my new card details so they can then dip into my account as and when they like!!!

Link to post
Share on other sites

Do not phone them at any costs. keep all emails etc in case you need evidence in the event of a claim.

 

The text messages are common with CG. All they are interested in is keeping you in debt hence the "special offer"

 

Stick to your guns and keep us updated. In my case i refused to pay any further charges. I took all the extra charges off along with payments already made and offered the rest as full and final. I copied in trading dtandards too who i complained to regarding their actions. The offer was accepted and loan closed!

Link to post
Share on other sites

Do not phone them at any costs. keep all emails etc in case you need evidence in the event of a claim.

 

The text messages are common with CG. All they are interested in is keeping you in debt hence the "special offer"

 

Stick to your guns and keep us updated. In my case i refused to pay any further charges. I took all the extra charges off along with payments already made and offered the rest as full and final. I copied in trading dtandards too who i complained to regarding their actions. The offer was accepted and loan closed!

 

Hi skyblue2027

 

I will be sticking to my guns .......I will be sending my full and final offer + a Telephone harassment letter by recorded delivery on Monday

Link to post
Share on other sites

NEVER EVER give your card details to Cash Genie. Also, you may start getting emails and texts from other companies; they are linked with cash genie as well and are there to try and get you to give them your card details.

 

Also i read that they sent out a consolidation loan email to someone who couldnt pay them and then they got their card details and took all their money! stay well away.

Link to post
Share on other sites

Yes Cash Genie are strange people. I had another payday loan with 1 month loan at the same time as Cash Genie. I negotiated a repayment plan with 1 month loan the very same day, by email and no telephone harassment.

 

Maybe other payday loan companies should take a leaf out of the 1 month loan book of negotiation skills....

 

I will write to Cash Genie with my final offer of a repayment plan on my terms, that way should these numptys decide to refuse my offer and try to Issue a CCJ at least the Court will see that i have attempted to repay the loan and that Cash Genie have refused my offers.

Link to post
Share on other sites

I have 4 payday loans about 6 months ago and due to a sudden problem i could no longer keep up with. I told them all straight upfront and offered them token payments but all 3 flatly refused and have not go anywhere with since then but I must say Wageday advance were really understanding and have since day 1 never harassed me like the others as accepted a low payment from the start and they were actually one of the higher balances i owed.

Link to post
Share on other sites

One month loan and Cash Genie are operated by the same people so it is rather irresponsible of them to allow you one each. I had an arrangement with Jamie at One month loan of £30 per month but he cleared my account out and too his debt that way. Far from ideal but I suppose I owed it them. Moral of the story - never give them your card details as that is all they are after when setting up plans.

Link to post
Share on other sites

One month loan and Cash Genie are operated by the same people so it is rather irresponsible of them to allow you one each. I had an arrangement with Jamie at One month loan of £30 per month but he cleared my account out and too his debt that way. Far from ideal but I suppose I owed it them. Moral of the story - never give them your card details as that is all they are after when setting up plans.

 

 

I will not be giving my new card details to anyone .... If they are not prepared to accept my offer, then they can take me to court!!

Link to post
Share on other sites

One month loan and cash genie are separate. A guy called peter tuvey and a few others left oml to form cash genie. Oml are no saints but cash genie are vile. They have been known to write to all your neighbours about your debt. They do seem to have been quiet recently.

 

If you give them your bank details they will without doubt empty your account.

Link to post
Share on other sites

Yes correct, the genie that magically empties your bank account!!

 

DO NOT GIVE this lot any of your details and record all phone calls and keep all letters.

 

After my problems with them and my complaint with OFT and consumer direct, i still get offers of loans.

 

This lot really are the scurge of modern day loan sharks.......

Link to post
Share on other sites

  • 2 weeks later...

Update

 

I have had numerous letters, emails and attempts to phone me offering so called 1 time offers of so called help.....or in my opinion ways to get you to give them your Debit Card/Bank details as so they can help themselves.

 

I have now offered on 7 occasions to repay the loan original loan amount + 1 months interest by Installments that I can afford and by standing order, my offer gets refused every time.

 

I received this lovely email this morning from Peter Turvey (Managing Director)

 

Dear drob

 

After reviewing you account, I have noticed that you account is overdue and I write to offer you assistance rather than a normal threatening message.

 

Please allow me to:

 

· Repair your credit score.

· Offer you a reduced balance as a settlement, or roll your account over.

· Remove all charges and administration fees from your account.

 

As a director of Cash Genie U.K Limited, I am a firm believer of putting you first and helping and assisting where I can. Take this opportunity to put your account back on track with a minimum of a £20.00 rollover, removing all previous interest charges that appear on your account.

 

The only condition to this offer is simple, if you do not default again, all charges and interest removed will never re-appear. Only, if this matter is pursued by a Debt Collection agency or Her Majesty’s Court Service would the balance be included.

 

Please feel free to contact me directly, or contact my collections team on 0800 046 8121 to take advantage of this offer. I do hope we can work together and avoid pursuing your account through the courts. As a company, we do use this action and it would be a breach of my Consumer Credit Licence to inform you of this, if it was not true.

 

Again, contact us today and make a minimum of a £20.00 payment to get your account back on track.

 

 

Kindest Regards

Peter Tuvey

Managing Director

1. Nice to see that Peter Turvey admits that Cash Genie's previous correspondence had been threatinig.

2. Nice to see the threat of Court Action.... At least if it does go to Court the Judge will be able to see that I have made every effort to reach a solotion to repay the muppets.

Link to post
Share on other sites

Be careful with him as his track record is appalling. The fact one month loan were desperate to let all and sundry know that he no longer worked for them as he was dragging their name through the mud tells it all.They are bad but not asbad as Tuvey.

 

Then again maybe he is learning but it will be a turn up for the books if he has your best interest at heart.

 

Never let him have access to your plastic:)

Link to post
Share on other sites

*Update*

 

Cash Genie are still refusing my Instalment plan.... the text messages and phone call seem to have stopped for now after I sent them a Harassament Warning email.

 

I am still getting an email-a-day with all sorts of so called "one off offers".....which is Cash Genie's way to get hold of your Debit/Credit card details which will then allow them to dip into my bank account!!

 

Here is their latest email to try and mislead me to try and get by card details...............

 

For today only,

Cash genie is giving you the opportunity to rollover your loan for the sum of just £10! Regardless of the age of your debt, all interest and charges will be waived if you can take advantage of this offer by 5pm this evening.

You can call 0800 046 8121 to pay, or alternatively reply to this email providing your long card number, expiry date and CV2 for us to process payment.

This is a genuine offer and it would be a breach of our consumer credit license to mislead you. I sincerely hope that we can get your account back on track and your debts reduced today.

I look forward to hearing your response.

I have had other PayDay loans with other companied and have been able to negotiate instalment plans with them all apart from Cash Genie.

Link to post
Share on other sites

*Update*

 

I had an email from an alleged account manager who told me he was here to help ....Blah Blah Blah

 

I told him that I will repay the original loan amount plus one months interest by Standing Order by monthly installments. He replied ok can you make your first payment today.

 

I told him that I will set up a Standing Order today as long as you send me written confirmation that you accept my offer and that no charges or Interest will be added in the future.

 

7 days later and he has not sent me written confirmation, nor have I received any phone calls..... It has all gone very very quiet ........

Link to post
Share on other sites

  • 1 year later...

took a payday loan out with cash genie uk and it was an american woman ,quite polite but neglected to mention that they will roll over your loan and you £45 per month but that was for the interest per month and dosnt come of the total bill, i stopped paying them due to this and phoned them up and asked them what they were playing at .

when i explained this to cash genie they said that they would check the phonecall and respond in 2 weeks ,well 4 months down the line and im still waiting for this call. I have been having text messages from carter forbes now this is a copy of the email

 

Dear Mr James Lillycrop,

 

Notice of Imminent Court Action: 14 days until Transfer to our Legal Team

 

Do not ignore this letter

 

Cash Genie v Mr James Lillycrop

 

We refer to our previous letter.

 

We are currently assessing your account for legal recovery and expect instructions from Cash Genie within the next 14 days to issue a County Court Claim.

 

Please call us on 0845 0268038 to stop this action and come to a reasonable agreement about your debt.

 

We look forward to hearing from you.

 

Yours sincerely

 

Carter Forbes Collections

 

Any advice please

Link to post
Share on other sites

Never communicate by phone call. Theyll simply deny that a phone call was ever recieved or made as you are currently finding out. Also, remove your personal info from the letter, as PDL's are known to view these boards.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 2 weeks later...

just an update on James30111975 after arguing the toss via email with carter forbes who cash genie threatened us with many a times we sought of have a semi success against them. I warned them in an email that if they continued to send us such threatening emails texts or phone calls i would have choice but to report the matter... and also informed contacted financial ombudsman as in our case the loan was mis-sold and asked them to go back over the mnutes of the phone call and then come back to us. which they did and are now happy to accept that everything we have paid up already will be taken off the balance leaving a final balance of £15. However after undue months of stress I have asked them to waive it still waiting a response or will re-consult with ombudsman to see if that outcome is acceptable... keep fighting them they do listen.... sometimes

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

Link to post
Share on other sites

Actually, i would DEMAND compensation from them for stress/harassment and worry. You have a legal right to chase this up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...