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Hi all,


I'm Lynne, I'm brand new at posting to this forum, but have used lots of advice from it in the past few months to

Sort out my payday loan nightmare. I got new bank account, an emailed my lenders last week with my financial situation offerig a repayment plan of £30 per month with review in 6 months time.


I have a total of 6 loans (daft I know) and so far wonga and 1 month loan have been fantastic and accepted my repayment offer straight away. However I have not heard from payday express, except text msg today as their payment has been declined! But no reply

To my emails. Nothing from QQ or the loan store either. I will email them again as well as send a letter recorded delivery also.


My problem is with cash genie, they have anger me so much this morning. I hadn't heard from them until today (default day) they then emailed me -from a supposed senior accounts manager - the following email:

Dear member,


I am one of the senior account Managers here at Cash Genie and thought I would email you to inform you that your due payment today has in fact declined this morning.


This could be for a number of reasons which could include payment attempted too early, a new card being issued, a change in repayment date, to name just a few.


Unfortunately, without contact today, either by calling 0800 046 8121 or directly to my email, late fees will start from tomorrow. This is something I wish to avoid so please do call or email me directly today to discuss your account and I will do my best to make sure any late fees are prevented.


By contacting me, you will find that I am understanding and I am sure we can resolve any issues together.


If you have simply had a new card issued, then simply supply me the following information and I will update our records.


Card type:

Long card number:

Start date:

Expiry date:

Issue number (if applicable):

CV2 number (last 3 digits on the reverse of the card):

Name as it appears on the card:


Please also confirm if you wish to roll the account over or pay the full amount.


I will be in the office today until 5:30 PM but can answer any emails upon my return if I am not in the office, so please do take this opportunity to keep your account on track or discuss any problems you may have.


I look forward to hearing from you today and continuing our existing relationship




Kindest Regards



Collections Manager


I was silly enough to answer this so when they called me I answered expecting a pleasant conversation and negotiation of a repayment plan. I got the most unpleasant rude man called matt who was just pushing me as to why I had taken the loan knowing I couldn't repay, and also where I had got the info of repaying my balance plus one month interest. I explained I had researched and he said 'oh those forums, well that's rubbish'. He was sarcastic and rude and I eventually just hung up as I was shaking like a leaf. He tried to call back which I ignored then got a txt message from them explaining I would have to spk to them to arrange repayment. Not a chance.


I have emailed them explaining that I would not speak to them on the phone again due to their conduct an to contact me in writing only. Not heard anything else.


Have I dealt with this ok, or does anyboy have further advice on what to do next!


Sorry for the long post, I'm just a tad stressed and upset now, suppose I just need to stay strong


Lynne :-(

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u need sillygirls advice on this one im sure shel be along soon but mean while dont worry honestly all on here will advise you and it will all work out in the end but do not speak on the phone to them xx:?::violin:

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Get a complaint into


http://www.consumerdirect.gov.uk for the Office of Fair Trading



Barry is well known to both organisations and you need to let them know what they are saying. The original loan and one months interest has been proven in court and is not an internet myth as he likes to portray.

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