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    • Welcome to the real world. What year of university are you in? What university? And what are you studying? What is the name of the agent? And what is the name of the landlord? The business of holding deposits should be affected by the Consumer Rights Act 2015 and that means that they should be subject to terms relating to fairness. It seems to me that if you pull out of an agreement to take the property then the agent or landlord should only be entitled to hold on to sufficient funds to cover any administrative losses which they have suffered as a result of your change of decision. In practice many agents will simply take the opportunity to cream off a bit of extra profit. I suppose you just paid the money over without any kind of written agreement or recording or any evidence. Certainly, if you paid over a holding deposit on the basis of a particular contractual promise – that there would be a break clause and then subsequently there was no break clause then it would be a simple matter to argue that it was the agent of the landlord who had gone into the breach of contract in which case you would be entitled to recover all of your money. However do you have evidence of this? Similarly, if you pay the holding deposit and were only told afterwards that it was not refundable then it is arguable – although not cut and dried – that they had introduced a new term into an existing contract and so once again, you would be entitled to recover all of your money. However, once again – do you have any evidence of this? It will be interesting to know whether the agent is acting of their own initiative here or whether they are really exercising the will of the landlord. Please address the questions which I've put above
    • The house was sold in 2015. What’s Ll/BB. Can any one just say what I need to do. Or what I can do. Are Lowell in there rights to claim and therefore I’m liable for paying back the debt. Even though they can’t prove a contract to me in my name. Many thanks 
    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
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pdjames81

Continuous Rollovers - Complaint to CCTA and FOS

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Hi

 

I took out a small loan of £75 towards the end of December due at the end of the month. I rolled over that month paying £22.50. Every month since then it has rolled over without me asking and without them telling me.

 

In March I made a complaint via their online complaints page. A month later no reply. I called them and asked why it had rolled over so many times to be told "its in the T&C" and "we only take the full payment if you ask us"

 

OK........

 

So, waiting for the 8 weeks to be up from my initial complaint, I submitted my file to the CCTA and the Ombudsman.

 

I got an email from the CCTA yesterday asking me to call Paul at Cash Genie as he had been trying to contact me. Phoned them, Paul was on the phone, told I would get a call back. Nothing yet.

 

Checked my bank this morning and Cash Genie took the rollover payment again and the capital payment of £75.

 

Should I just wait for the Ombudsman?

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Why havent you told your bank to cancel the payments and start chargebacks for unauthorised transactions?


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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Why havent you told your bank to cancel the payments and start chargebacks for unauthorised transactions?

 

I'm concerned about telephone calls to work and home - it would be highly embarrassing.

 

I mean, if I asked for a one month rollover, do I add up the subsequent interest payments and if they total the initial capital + interest, reclaim the rest?

 

I do want the ombudsman's complaint to carry on

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You deal with calls separately by way of a formal complaint. THe bank is the one to cancel the CPA not the lender. It is very rare youll get a PDL to cancel a pretty much guaranteed method of payment.


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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You deal with calls separately by way of a formal complaint. THe bank is the one to cancel the CPA not the lender. It is very rare youll get a PDL to cancel a pretty much guaranteed method of payment.

 

Had a call today from Paul Geary at Cash Genie. £90 overpayment being refunded. Advised still proceeding with Ombudsman complaint and, as calls are recorded, asked him to listen to my previous call when I was lied to about what were in the t&c

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Make sure you get that promise of a refund in writing.


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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They have tried this with myself and a couple of others. I got a refund. It no good them saying they roll it over unless told otherwise. From their terms and conditions it states that they will collect on the payment day the full amount ( in 2 parts, one being the calital and 1 being the interest) unless you ask for a roll over. As you did, once, then my understanding is that you are then provided with a new agreement (am I correct?). This new agreement should then start as before where it collects the 2 payments as before.

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