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    • hi dx thanks for the explanation much appreciated  have not heard a peep from anyone since i sent SB letter april 2023  last year, no communication at all from lowell since we blocked their emails i am on the electoral register for new address and my current address was on SB letter just started getting random texts and now phone calls which state to be from marston which have been blocked and reported.    i will keep you updated  thank you again x  
    • Absolutely. And not just on this subject  but if I remember correctly, it was a partial court transcript 
    • i would not be believing anything you read on the net without actually knowing the judgement CCJ number and looking up the actual judgement exists and that is what really happened and if thats true,.
    • the issue with trustonline is you have to know the address used on the actual claimform else you will never find it, you cant just search by name. thats where a credit file becomes useful, as if a ccj was registered somewhere in your name , then the address would automatically be added to your credit file under linked addresses. although the CCJ itself vanishes from showing under credit file public judgements section after 6yrs, paid or not, the linked address would remain. i really wouldn't fuss about this, unless you've comms where lowell directly state a ccj was awarded against you on (date). now if they've given a CCJ number as well anywhere thats even more useful, as you can get details from northants bulk directly on the phone. it could all just be someone else with the same name as you, but its unusual for them the write as well? was this before you sent the SB letter? cause if it was, then they got your current address from your credit file, so some evidence of the judgement must be there. go look on the 3 credit file providers sites. experian, equifax and i think credit kalma  dx  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Good news, Cash Genie will no longer issue any loans at all, so hopefully less people will get in trouble in the future, just got this email out of the blue:

 

Dear xxx

 

As a valued customer of Cash Genie we would like to take this opportunity to highlight a few changes we have made:

 

Cash Genie has made the decision to change our opening hours. We will now be open Monday to Friday 9.00am-4.30pm and will remain closed on a weekend.

 

Cash Genie has also taken the decision to cease any future lending, therefore we will no longer be in the position to provide any further short term loans. If you do have an outstanding balance with Cash Genie you can still make payments via your members area or by calling us to make alternative arrangements.

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Not surprising. They were one of the worst and it seems the FCA cracking down on these lenders is having the desired effect. Theyre likely getting out as fast as they can before they get caught.

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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I had the same email yesterday. However i have an officialcomplsint being investigated by them. I am trying to get my rollover fees returned. Im about a month in now and got fingers crossed. I got the idea from reading other posts on here. Big thanks to all you guys for your invaluable help.

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Well worth a shot though :) Youve nothing to lose and everything to gain.

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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  • 3 weeks later...

3 people I know here in Cambridge all had (and have subsequently lost) jobs with Cash Genie - they used to make the 100 mile round trip to Ipswich every day as the pay was worth the drive! 2 were just standard phone hasslers chasing debt, and were on ~£25k plus incentives for sitting at a desk al day. The other was an Account & Loan Manager, he was on nearer £40k! He's also been given a massive redundancy package meaning he can have a year off work if he chooses without money worries. Just shows how much these companies really were making from vulnerable people.

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  • 1 month later...

Hi Guys

today the ombudsman as got back to me regarding cash genie. Even though Cash Genie rejected my complaint I got a result they are refunding 265 to me. here is their email.

Hi B

I just wanted to update you about your complaint. I’ve not yet fully investigated your case but Cash Genie have been in touch with me to discuss some points.

Cash Genie have put forward an offer based on interest re-calculations. This is something that they have been working with the Financial Conduct Authority on, where they are historically repaying any interest that may be owed to consumers.

They have suggested that to settle your complaint, they will refund you £260.

If you’d like to accept this offer then please let me know as soon as possible.

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