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Hi, i need to no if were i stand and if i being o.t.t. but i taken a cash genie loan

 

on12/02.2012 for £200 the month i had a rollover charging me £75 and the same in aprial as i just could not afford 275 at the time after being put on the short time at work also begin a single parent of 3 indepents

 

then to be put on the sick i rang cash genie on the 22nd may agreeing once my fiances had been sorted via with job center

 

i will be able to set a payment plan up with them telling the adviser that i will need up to 3 weeks as as its the jubilee bank holidays and well jobcentre /income support don't rush really ,so any way me not even relising that i had a payment Friday 1st of June until i had a letter on the Saturday stating that i had a payment in to my bank

 

before i could even look at my accounts cash genie had put a e mark on my account leaving me with nothing after calling them also being spoken to like i was a nobody explaining that i have no electric gas and no food being told thats not there problem the only way i can have a refund is to send 1 months of bank statments

 

so i did this heard nothing so wednesday6th june i rang bank asking to stop this payment as it was haning in my account but not able to touch it the reply i got from the bank was nothing we can do untill payment as gone

 

so then i went to cash genie website and placed a complaint i have now recieved a email from them stating they need to see bank statments but why i have sent them already as i was so upset with tsb i switch accounts and have no statments to show gash genie who from the feb 2012

 

uptill today have had nearly £500 for a £200 loan do i sit and just except this as i did take the loan out or do i stick to guns as i did ring and explain my situation them just not giving me the time to sort anything out let alone comfirm payment plan ,

 

i have emailed cash genie again saying pay half the loan back and for the rest of the paymen ill pay instulments no still not good enough am i within my rights ???

Edited by honeybee13
Editing in some spacing for ease of reading.
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  • 1 month later...

personally, i would report this to the police get a crime number and take it to the job center they should reimburse you. also i am pretty sure that if you show cash genie your bank statement they'll give you the money back because it is 95% sure they cannot take your benefits. if all else fails send the crime number paperwork to cash genie aswell and demand your money back.

 

if all that fails or you need money now go and get a crisis loan or ask to see a hardship advisor from job center.

 

also complain to oft, fos and write a letter to your mp.

 

 

i hate things like this and if i had my way i would go to their office and unplug every computer and telephone they have. i would literally close their business for them for a day.

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Never show a pdl bank statements. Thats just asking for trouble.

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

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What is an 'e mark'? Anyway what you need to do is change your debit card and change your bank account number if that is possible. Sadly it seems the only way to stop these companies helping themselves to whatever they like is to alter all your details. Report card lost and get a new one - ask the bank to give you a new account number. Reasoning with CG is a waste of breath - so take positive steps to stop them.

 

If they want money from you they can take you to court to get it. And that will take years - if they ever bother. If they do, the judge will award them something like £2 per month, so they would rather bully you.

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Thanks for all your advice guys but 6 weeks down the line and all i gat is

 

07/06/2012 12:57pm - Cash Genie Response

Dear Ms Morris,

 

I fully understand your position and note that a copy of your bank statement has been requested.

Upon receipt of the above I can then investigate it further and look to offer a refund if required.

 

Regards

 

Paul

 

Dis gracefull thats all i have to say and i have learnt by mistakes NEVER LEND FROM A PDL i have sent a letter to to FOS and cash genie so hopfully cash genie will be stopped over charging people on a low income e.t.c.

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Do NOT send them a bank statement. Ill write you a letter to reply to them in the morning.

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

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Here ya go. Edit the things in red to suit yourself.

 

 

PDL name: xxxxx

 

Account reference: xxxxxxx

 

Dear Sir/Madam,

 

I write to you in respect to the correspondance from you to me, dated 07/06/2012 at 12:57 pm

 

Please note, that under no cirucmstances will i ever show you a copy of my bank statement. As i am sure you are well aware, this request from yourselves breaks the Data Protection Act and borderline breaches OFT guidance on debt collection.

 

However, i will come to a compromise with you on your request. I will send you a COPY of the specified transaction ONLY. I will not send the statement. You may then match it up with your own records in order to refund me money that is rightfully mine.

 

Please find a copy of the transaction enclosed with this email/letter.

 

As this issue has now been going on for a while, i expect your prompt response and my refund within 7 days from reciept of this letter, otherwise i will have no choice but to start filing formal complaints with the regulatory authorities.

 

 

Sincerely

 

xxxxxx (Do NOT sign. Just print your name)

 

 

If you send it by snail mail, make sure you get proof of posting or recorded delivery.

 

If you send it by email, make sure you CC it to yourself and/or request a read receipt.

 

As i stated in the letter, they have absolutely no need for a statement. All the need is the transaction. So take a screenshot or scan a copy of your statement, and then simply cut the relevant transaction from it in a program such as mspaint.

Put it into a new file and print it out, or attach the new image to your email. If you are wary of doing that, just copy and paste it directly to your letter.

 

Ensure that it doesnt show your current account balance, sort code or account number. ALl it needs to show is the date/time of the transaction, the transaction ID, merchant name, and amount.

 

That is all they need. If they are still adamant they require a full statement, let me know and i can advise on what to do next.

 

Let me know if you need any more help.

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

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  • 1 month later...

Create a new thread and give as much detail as possible.

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

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