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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
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    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Cash Genie nightmare

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akania

akania

Posted
Posted

Ok firstly i have to hold my hands up to this and say that I have dealt with this really badly but i need some advise.

 

Last year I took out a loan with Cash Genie for £250.00. I fell into hardship and defaulted a few times on the loan. I finally made contact and came to arrangement plan with them. I emailed them a few times as the payments didnt go through and after the last email iu heard nothing back from them.

 

Last tuesday they took out £618.00 out of my bank account. I was totally confused as how they got my bank details but they said that they had got them through paydayeveryday which they are allowed to do as it is in their terms and conditions of business. Also i had committed fraud by trying to obtain money through deception so if i was thinking about calling the police dont forget to mention that to them.

 

I asked them if the loan was now closed and they said that i still owe them £552.40.

 

My bank have told me i have to send them a letter from cash genie telling them how much i owe otherwise they cannot give me the money back but obviously with the charges i now owe much more than the origional 250.00 which i ppaid 60.00 off.

 

Im at my wits end and i dont know what to do. I can pay my bills this month and from what they say the bank and cash genie i dont have a leg to stand on.

 

I feel sick from all of this and know its my own stupid fault.

 

Can anyone adivise me what to do?

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sillygirl1

sillygirl1

Posted
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Get onto the Police, they are toads. Tell the police you need a crime number to claim off your insurance - that should get you some redress (even if you haven't got insurance it works). Once you have a crime number get onto the bank and explain that you did not give permission for them to take the money and all you did owe was £250.

 

Get onto Trading Standards http://www.tradingstandards.gov.uk and explain to them the issues

Get onto the OFT and tell the OFT that they have already sanctioned payday loan companies from taking money out of peoples accounts without permission http://www.consumerdirect.gov.uk

 

Get onto the local CAB and ask to be put in contact with the local money laundering team, this is the department which deals with payday loan companies doing this sort of thing.

 

It is disgraceful what they have done - you DO NOT OWE THEM ANOTHER PENNY.

 

You could also go for an N1 court case and claim the money back that way, clearly stating the facts.

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sillygirl1

sillygirl1

Posted
Posted

You HAVE NOT committed fraud, THEY have. They love to bandy this word about as it scares people. You have proved to them you are in hardship, you are in even more hardship now as they have taken your funds through dubious means.

 

Even though it may be buried in their terms and conditions (which I very much doubt) they are behaving in a very underhand manner.

 

GO TO THE POLICE - they are in the wrong, not you.

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akania

akania

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Thank you so much. I am in tears here. All of my bills are due on friday and the bank wont give me my money back. I dont know what to do im going to get into so much trouble with everyone.

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akania

akania

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But what about the money that they say are owed in charges? Plus another 500 odd i opwe them? The way the bank spoke to me was crappy at best and they were basically saying that these payday loan companies put on 1000% interest blah blah blah and they need to know the exact amount owed so will the exact amount not be the balance outstanding ??? Im so confused and freaked out and finding it hard to think straight. Im normally quite strong about this sort of thing but them taking all this money has sent me into a spin and im panicking.

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akania

akania

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Sorry to ramble and i know im in the wrong here but how sneaky to set up another company with a different name and lift your card details from there. I cant belive that.

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akania

akania

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Do you think that will work? My bank were treating me like a criminal on the phone. Also what do i do regarding the other £500 i supposidly owe them in intrest?

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sillygirl1

sillygirl1

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Print out the original agreement and take it to a bank branch, the phone people are not equipped to deal with this.

 

Take the original agreement to the police and ask to see their money laundering people, this is what Cashgenie are guilty of here, they have taken far more than they agreed to.

 

You do not owe them another penny - stop worrying, that is exactly where Cashgenie want you to be. They are in the wrong, not you.

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akania

akania

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So do i basically print off the agreement and tell them to give me the balance back as it is a civil matter? Then do i need to put the account into dispute and ask for a CCA and all paperwork and phone calls relating to the account?

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akania

akania

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I think i ;posted at the same time as you so sorry. I have to take the agreement into the police station as well? or can i report it and get a crime refernce number over the phone?

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sillygirl1

sillygirl1

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STOP - you cannot get a CCA from them as the original agreement is already in your possession. You do not need to put the account into dispute as they already have done that by virtue of taking the funds from your bank.

 

It is a different route with the payday loan companies, not the same as a bank overdraft situation.

 

You only ever need to CCA if you have NOT got the original agreement.

 

You can try reporting it on the phone and ask about the economic crime people or whatever they might call them.

 

Have you got any children to look after as you can use that with the bank.

 

Hello to the 4 guests....

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akania

akania

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No but they took all of my avaliable funds out of my account. I dont even have any money for food

. My sister has been trying to help me but shes so stressed out as well i said i would try and deal with this myself. Thank you for helping me.

 

Are the guest Cash Genie? I heard they look on here. God who are these people?

 

Correction, my son is home from uni so thats both of us not eating tonight. I just managed to borrow £20.00 of a neighbour.

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akania

akania

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This all happened because i had an abusive boyfriend. He made me take out the loan in the first place. I reposrted all of that to the polce and my sister told Cash Genie. He also made me take out other loans as well but the other payday loan people wrote the loans off as I was in hospital after he had beaten me up. Im under the psychatrist as it is at the moment and im finding all of this extreamly overwhelming.

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akania

akania

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Not yet I have only just found out today who it was that took the money from my account. It has taken 4 days to show. My bank assured me they would give me the money back now they are saying no. I basically said to the bank that how can a company just go into my bank account and literally clear it out???

 

Im due to see my doctor on friday so i will get a letter from him then and refer the police to the previous case.

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akania

akania

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Cash genie could have just taken the amount owed to them not cleared out my account.

Am in bank with original loan documentation and they are saying they can't do anything !!!!!! So this company can just keep going into my account any time they want, help!!!! Shall I just shut my account???

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