Jump to content


  • Tweets

  • Posts

    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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...