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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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neil6534

Cash4uNow - saying I committed fraud

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hi, i got this email from cash4unow - do they have a right to say this, can i take them to task for it?

 

 

Further to previous communications in this matter we write to advise we are currently preparing paperwork to take further action in this matter. This could result in the issue of a COUNTY COURT CLAIM.

 

This matter is being passed to our Fraud Investigation Team as, on current evidence, it seems you may have obtained this loan fraudulently.

When you applied for this loan we conducted an affordability assessment to establish your ability to repay this loan plus interest. In the absence of any payment or contact from you it appears you failed to disclose all your current liabilities resulting in you now being unable to repay the loan.

 

Section 2 of The Fraud Act 2006 defines Fraud by False Representation as follows:

 

- Make a false representation

- Dishonesty

- Knowing the representation was or might be untrue or misleading

- With intent to make gain for himself or another, to cause loss to another or to expose another to risk of loss

 

It is our belief you may be culpable of an offence under Section 2 of the Fraud Act 2006 and we intend to pursue this matter through the relevant LEGAL channels.

 

If you are unsure of your position we suggest you contact a SOLICITOR immediately.

 

If you wish to prevent further action we require you to discharge your liability to us in FULL within 48 hours of this email.

 

 

 

Regards Cash4UNow

cash4unow.co.uk

 

Cashunow.co.uk is a trading name of Novaloans Ltd, Company Number 07639288, Registered Office 7 Limewood Way, Seacroft, Leeds, LS14 1AB. Cash4unow.co.uk is authorised and regulated by the Financial Conduct Authority (Consumer Credit Licence number 644402). You can confirm our registration on the Financial Conduct Authority’s website http://www.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768

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OK that's their email but what's the story?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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it relates to a PDL I took with them in Nov 14 - which I subsequently defaulted on - the loan was for £195 and last thing I knew it had risen to £365 - however I clearscore it states opening balance £250 current balance £195 - anyways I am have opened a complaint with them re bad lending practices but what can I do about the email above?

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You requested a loan, they gave you one, you decided you couldn't pay it back and COMPLAINED that they were stupid enough to lend you the money.

 

I'm glad we do not judge on this forum.

 

With regards to their email, it's all tosh!

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it relates to a PDL I took with them in Nov 14 - which I subsequently defaulted on - the loan was for £195 and last thing I knew it had risen to £365 - however I clearscore it states opening balance £250 current balance £195 - anyways I am have opened a complaint with them re bad lending practices but what can I do about the email above?

 

I doubt they will go down the route of fraud, as the Police will probably not be interested. Fraud would be taking out the loan by providing false information to deceive them. They are more likely to issue a county court claim at some point and you will end up with a a CCJ.

 

Suggest that you enter into a repayment arrangement based on what you can afford. If you have many debts, get advice from National Debtline or Stepchange.


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Hi I guess you have no idea what it is like to get into such a mess hence your reply if you gave no good advice then don't give any

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Don't bite the hand that feeds you!

 

Have you let them know that you are having some financial difficulty and you can't keep to the agreement?

 

Their email is very immature IMO, to threaten a customer with fraud, speaks volumes of the legalised loan shark industry.

 

Just because you can't afford to pay what you agreed does not constitute fraud, unless you blatantly lied on your application?

 

You really do need to keep them informed, in writing or email, NOT over the phone.

 

Work out your own I&E, NOT for them for you, so you can see what you can realistically and comfortably afford to pay them, they DO NOT dictate to you what you pay.

 

Are they adding charges on top of this?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Neil... Dont respond like that....

 

I think HS just didnt understand the full account like I do... :)

Dont worry about HS, they mean good :)

 

The email is designed to intimidate and isnt fair on you. You havent necessarily committed fraud, but not paying them has triggered it. Designed to pressure you into paying it.

 

Have you complained to them? Because if not, now is the time too,. and you need to keep that email..

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It may pay you to read up on the CONC rules. If a creditor makes this sort of threat then it could be that a complaint to them and then to the FCA.

 

Print off the email and save it then get a printed copy of the full header. Again keep this safe.

 

As far as these threats go keep full records of letters and record any calls from them.


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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