Jump to content


  • Tweets

  • Posts

    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
    • Many thanks for this alternative advice tomtom   Andy
    • You can do it now. I have saved evidence that it was their mistake, so even if the letters arrive it won't come to nothing
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Samson42

Attempting repayment plan with Cash Genie

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2285 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a loan with Cash Genie for £250 with £75 interest. I emailed them regarding a repayment plan, below is my original email, and then their reply;

 

Hi,

 

I'm having some financial difficulties and would like to be put on a payment plan so I can get things back on track, and start using your service responsibly again. I have paid the rollover charge up until next month, and would like to start my repayment plan then.

 

I would like to offer:

 

February 22nd - £50

March 22nd - £50

April 19th - £50

May 17th - £50

June 14th - £50

July 12th - £75

 

I would like all communication to be made via email, so I can try and keep on top of what I'm trying to sort out.

Please advise.

 

Hi,

 

Can you please send us copy of your income and expenditure first before we can formally enter you into a payment plan. I attached here the form. Please fill it up and send it back to me.

 

I will temporarily set it but once we receive the form, we'll formally confirm the payment plan.

 

We also need to add 1 month interest to your outstanding since you are going to pay it in a longer period of time. So your outstanding balance would then be £400.00

 

Are you going to use same card details?

 

Kindest Regards

Maricel Suba

 

What should I do next, how much info should I give them etc.

Share this post


Link to post
Share on other sites

Could you post that I&E form up please? Sending an I&E form isn't necessarily bad, IF it doesnt go into detail about your finances. The most they are allowed or should have access to is a simplified summary.


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

Share this post


Link to post
Share on other sites

sure thing

 

Income and Expenditure Form

 

Loan ID: Customer Name:

 

No. people in household:

 

Income

 

Earnings – Self

 

Earnings – Partner

 

Child Benefit

 

Working Family Tax Credit

 

Other Income

 

Total Income

 

Expenditure

 

Rent/ Mortgage

 

Council Tax

 

Water rates

 

Gas

 

Electricity

 

Phone/Broadband/Mobile

 

TV

 

Food

 

Insurances – car / life etc.

 

Petrol

 

Child care

 

Clothing

 

Cigarettes

 

Other

 

Total Expenditure

 

Surplus income available

 

Creditors: Balance:

 

Council Tax Arrears

 

Rent Arrears

 

HMRC

 

Quick Quid

 

Cash Genie

 

Lloyds TSB

Share this post


Link to post
Share on other sites

Earnings - partner is not needed.

Child benefit is not needed

 

 

Surprisingly that I&E apart from those two things is semi-ok. ALthoug really you should just say "here's what you get". And sign it as a statement of fact. I'm still of the opinion that a PDL has no reason or need to see an I&E. If anything they get a simplified budget summary and thats it.

 

Can i ask if they put QQ, CG etc at the bottom? As that is NOT allowed.


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

Share this post


Link to post
Share on other sites

Yep they were on the form, not added by me.

Share this post


Link to post
Share on other sites

Then reject it. This PDL and others is well known for sharing info. They will take your info, contact the other PDL's and try and obtain bank details or other payment details IF you had loans with them. Then they would strip your account.

 

Just tell them your offer of repayment. If they refuse it, say "ok. You know i cant afford more, so until you accept, you are now getting £1 a month". Remember, even if they took you to court ( which is a long way off if it even happens, the court would NEVER make you pay more than you could afford. The PDL knows this very well, thats why they threaten and harass you to try and get more out of you.


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

Share this post


Link to post
Share on other sites

So I can send back a shorter reply? I was thinking along the lines of

 

Rent, Food, HP, Loan Repayments, Phone bills, Bank charges

 

Also should I add in the £50 I am proposing to pay them? Or leave that out for now?

Share this post


Link to post
Share on other sites

yea, you can do it like that if you want. Thats pretty much the same as a simplified budget summary. Even if you did decide to fill in that I&E form, CG will simply tell you to forgo some things or tell you to ask your creditors to accept lower payments so you can pay them.


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

Share this post


Link to post
Share on other sites

yeah I thought they would, I am going to tell them I have offered every creditor the same on a pro-rata basis or something.

Share this post


Link to post
Share on other sites

OP. Please note that only a Court may order you to provide any form of income and expenditure breakdown. Do not pay these leeches anything at all. Google the return address of an letter received, prior to opening the envelope, and if it is sent by a DCA or payday loan shark, simply write "Return to Sender" and place it in the nearest post box (no stamp required). Such organisations are unworthy of your attention. In the unlikely event of your being taken to Court, there are many useful posts upon CAG which you may find extremely helpful.

Share this post


Link to post
Share on other sites

Not only a court. High priority creditors can, such as mortage etc. Low priority such as PDL's can go play with traffic.


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

Share this post


Link to post
Share on other sites

An update on the Cash Genie situation. Have had no response since I emailed a summarized outgoings to them. Just sent them the following email; fyi my payday/due date is this coming Friday.

 

It has been 18 days and I have had no response to my queries. I have given you adequate notice about my current financial situation.

 

Please respond by Wednesday confirming my proposed repayment plan of £50 every 4 weeks. If I still have no response by then, I will have no choice but to cancel any CPA between you and my bank, and have to look to the OFT for guidance.

 

I shall not be paying another extension fee on my coming payday while I am waiting for official confirmation of my payment plan from you.

 

Thanks.

 

I sent it to the guy who emailed asking for I/E, and CC'd it to the Cash Genie main customer support email. Was this the right response to send?

Share this post


Link to post
Share on other sites

I would cancel the CPA anyway. IF they get a hint you will default, they have been known to use the CPA to strip an account clean.


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

Share this post


Link to post
Share on other sites

If I cancel the CPA can I still make payments to them from that account? If they don't co-operate by Thursday I'm sending my file for Cash Genie to the OFT, I want it to look like I've attempted to solve this as much as possible.

Share this post


Link to post
Share on other sites

You can, but only make payments in the form of a standing order, or postal orders. Never give them your bank info.


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

Share this post


Link to post
Share on other sites

Does a direct bank transfer via my online banking give them my info?

Share this post


Link to post
Share on other sites

It can do. Thats why we advise you create a Standing Order. Don't let the PDL have the info so they can create it themselves.


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...