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    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
    • Thank you. Is it worth replying to say why I was there and that I feel it’s a bit disproportionate?   had I known I’d have paid the original £1 but I was so worried about getting into a space without crashing!
    • I had never done it and I was afraid. I have done it now. The meter is mine.
    • How younger is 'younger' and how many is 'many'?   I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.   https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020   The category for deaths for under 65s is almost invisible.              
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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can anyone give advice?i've been struggling with debt and we are going bankrupt. i had put an arrangement in place with cash genie for £20 per month and they took my card details to process these payments.

 

i did this so no further action would be taken until i had a date for court and they were aware of my intentions to pay until i rang with a these details.last month they took an extra payment in error so i rang them on 02/12/11 to complain and they accepted the error and refunded the money.

 

they asked if i could make any other payment, which i said no, so they said i would have to ring in on the 12/12/11 to confirm i still wanted the arrangement and avoid them pursuing for the full amount. I rang them on the 12th to say i had a date set for january but no reference yet so would continue to pay £20 until then and i thought all was fine until today.

 

On checking my account i have had three unautorised amounts taken using my card details from my bank for £645.30, £59.70 and £12.00. On speaking to the bank they said that normal card payments would decline (due to me not having the amount in my account) however if they were continuous authority arranged payments, the bank has to honour them-regardless of the amount, and cash genie would be responsible for any refund.

 

On speaking to Ricky at cash genie today he said there was no record that a plan (or continuous autority arrangement) was in place or record of my call on the 12th, therefore the full amount was persude and the payments couldnt be refunded until they listened to the calls to prove otherwise.

 

i was asked if i had rang in on the 12th to confirm i wanted to arrangement to continue, as it had to be rolled over each month until i had details of my bankruptcy, which i explained i had, as i was in no place to make full payment and would have to pay the reduced amounts in the mean time.

 

I was told i would recieve a call back in the hour, which never happened, so i then rang carter forbes.i spoke to a lady at carter forbes to ask if they had record of the call on the 12th as i was unsure if i had rang them or cash genie about continuing the arrangement and she said they were still looking into the calls and assumed they would ring back but they had no record of me speaking to them either.

 

she confirmed the arrangement was set up from them but cash genie process the payments from my card and theres nothing they can do. As i could hear a male laughing in the background that sound exactly like Ricky i asked her if they were the same department in which she said they were part of the same group but cash genie deal with payments seperately. i said i would then call cash genie instead.

 

i then spoke to Luke at cash genie to chase up the calls. he said that as they has no record of the call the amount wouldnt be refunded and as i was going bankrupt they would refund it anyway now. I find this disgusting as i have always stated that i was going bankrupt (and have emails to prove this) and that i was only paying the £20 per month to prevent action in the mean time and try to help clear some debt as advised by the CAB Luke also said that the amounts were taken as i had failed an arrangement to pay £20 on 24/11/11 (of which they tried continuously process my card but it declined until they were successful a day later.

 

Its weird as if what the bank says is true, the payments today would have decline also as i didnt have that money in the account. so an arrangement and continous authority must have been in place or the bank wouldnt have honoured it? How is that failing to pay?

 

they werent even suppost to take money until the 28th of each month? i explained on the phone that it was funny how this contradicted me being in an arrangement for the £20 and not, but he said that didnt matter now i wouldnt be refunded anyway.

 

he said the last call they had record of was me saying i wasnt paying anymore money over the phone and i would call in on the 12th to confirm, which i did and which appears to be the missing call? at no point was i ever told they would just take money off my card for any amount they pleased and on any date they choose.

 

they say they senbt me a text and email which i never recieved. nor was anything sent by post?I have asked for transcripts of the calls under the freedom of information act of which i have been told i would be charged for so i refused.

 

They know i have 3 dependant children and this has not only left me with no money but they appear to be lying about my last call which they say is the reason they took the money!

 

I've emailed a letter of complaint to carter forbes and cash genie and i've told them i plan to take this to the financial obudsman and office of fair trading if i dont hear from them in response or if the matter hasnt been resolved. I've seen loads of similar posts about cash genie taking money so can anyone help?.any advise would be appreciated

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Go to the police and get a crime reference and then get the bank to reverse the payments taken. Tell the police you need the crime reference to get the bank to give you the money back quickly. The police may say it is a civil matter but the company have breached the agreement to take X amount on X date.

 

Do not wait to contact the OFT - http://www.consumerdirect.gov.uk is the contact, Payday loan companies are hot news with them at the moment, Trading Standards is http://www.tradingstandards.gov.uk

 

Get onto both organisations NOW, do NOT leave it until tomorrow.

 

I can't give any further help on this thread unless you complain properly to the proper people.

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thank you so much i'll do that straight away. The bank has agreed every other payment was processed x day for x amount and this seemed fishy, so they will reverse them anyway. i plan to inform the police aswell too, cheers

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  • 3 weeks later...

They are absolute **edit** . I'm surprised your bank refunded you the money as my bank wouldn't as I had made a payment to Cash Genie in the past so there was no proof I had not authorised the payment.

 

 

Anyone reading this - DO NOT EVER GIVE CASH GENIE OR CARTER FORBES (THEY ARE THE SAME COMPANY DO NOT SWALLOW THAT **edit** ) YOUR DEBIT DETAILS TO TAKE MONEY FOR A PAYMENT PLAN THEY WILL EMPTY YOUR ACCOUNT.

 

I borrowed £150 FROM Cash Genie, missed a payment and quickly escalated to owing £782 with interest and charges. Carter Forbes agreed to take a settlement figure of £300 when I got paid but I had to give them my card details over the phone when the arrangement was made to make a £20 token payment to hold the account until the 27th, which i stupidly did in good Faith.

 

Payday arrives and BAM they took £782 out of my account - I went BESERK! Called them and e-mailed them and again a telephone call they CLAIMED not to be able to find, they said I agree to pay on the 26th (I would never do that as my pay date is the 27th) and as the money wasn't in there I was liable to pay the whole lot and Cash Genie started automatic sweeps on the 27th for the full amount.

 

That left me completely broke for that month and I have a 8 year old son, absolutely no money for the whole month. Contacted OFT, Financial Ombudsman, got nowhere , complete waste of time!!!

 

Still livid to these day. And they no doubt sat there laughing while they did it! Should be prosecuted and closed down. DO NOT GIVE THEM DEBIT CARD DETAILS!!!!!

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