Jump to content


  • Tweets

  • Posts

    • Banks have different limits above which they require Probate. So it may be Probate is not needed, although as he died with no Will that could complicate things. Is all the £28k with Virgin Money? Your wife should contact all banks who hold his money with the death certificate and ask them what they need to release the funds to her. Most banks have a central "bereavement department". Check their websites. Use that department rather than general call centre or bank branch if they have one. Nearly every bank website has a section on "what to do when a customer dies" so have a search for that. Your wife may also have to provide evidence that she is his daughter. When his wife died it sounds like they had a joint bank account so that's why her money just went across to him. But as it isn't a joint account now transfer to your wife won't be quite that simple.  
    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Cash Genie


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5318 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am a new poster but am trying to help a friend who is away. We have emailed Bank Fodder and will be doing a fuller email to Bank Fodder later on today.

 

Has anyone heard anything from Cash Genie recently?

 

Just to make everyone aware I have established they are trading with 2 Consumer Credit LIcenses.

 

There is one for In-Time Finance, Cash Genie and Hamilton McCarthy (the DCA)

 

Plus a new license has been granted for Cash Genie and Everyday is Payday.

 

The more intersting one is the first license as its registered at another Company's address and the one of people named on the LIcense is employed by the other Company. So the employee of the other Company is responsible ffor Hamilton McCarthy. The other Company has confirmed in email correspondence that they work for them.

 

This person at the other Company has stayed on the Consumer Credit License after as being responsible after she ceased to be Company Secretary for Cash Genie. She is still responsible today according to the Consumer Credit License for Hamilton McCarthy.

 

I am not naming the other Company as they threaten libel! Additionally Cash Genie have been previously being sending emails from this other companies email servers. I have proof of this. Plus this other Company has admitted that thre Employee is on the Consumer Credit License.

 

What is very worrying is the other Company even sent me a copy of their Email Log (given this Company business this is highly worrying) with details of their Clients and Employees. This is a blantant breach of the DPA.

 

I cross referenced this Companies staff with Cash Genie staff and yes they all know one another socially on Facebook. One of Peter Tuvey's relatives same surname and they common relatives on Facebook works for this other Company. Its not an isolated incidence lots of people from both Cash Genie and this other company know when another. I tumbled to it, when the other Company sent out their Email log with Peter Tuvey's relative name on it.

 

In the past couple of days I have a total of 61 emails regarding this issue from this other Company. So clearly they are very worried.

 

This other Company is trying to argue they are 2 separte entities yet they this other Companies Employee is responsible on the Consumer Credit License for Hamilton McCarthy, Cash Genie has sent mail from the other Companies email servers and all the staff from Cash Genie and this other Company know one another. They also until recently shared a Director too. Who was a Director at both Companies and is still a major shareholder at this other Company.

 

I have not has time to read the whole thread but the friend I am helping said at one stage 43man? a moderator had stated that Hamilton MNcCarthy did not have the correct Consumer Credit License to trade as a DCA.This would imply that the member of staff responsible for the LIcense at the other Company is trading unlawfully?

 

Also as other people have posted on this thread Hamilton McCarthy have been potentially acting unlawfully contacting Employers, neighbours etc and sending out false court documents.

 

This other Company has admitted that this is correct in Email Correspondence to me, in the 61 rmails!

 

IMPORTANT EDIT: Just checked Categories under the Consumer Credit License. Hamilton McCarthy should have a Category E to trade as DCA see here: Consumer Credit Licensing

 

Checking the Consumer Credit Register for Hamilton McCarthy reveals they do not have a Category E Public Register The relevant License number is 6463798

 

It would seem even more likely that the peron from the other Company who is on the Consumer Credit License as being responsible for Hamilton McCarthy was acting ?unlawfully by contacting Employers, neigbours, sending false Court documents to Employers etc.

 

If anyone would find this information helpful please PM me and I will happily help.

 

A further point they are doing nothing to amincably settle this situation, just threatening to sue for liable and make professional complaints which hardly responsible given the nature of this other Companies business.

 

Edit: Bank Fodder has been emailed

Edited by xyawx
Link to post
Share on other sites

Thanks for this. Its actually not me with the issue with them but a friend. I thought I would write few emails/letters on their behalf but somhow have got sucked into this. Its quite unbelievable. If anyone needs anything please PM me my friend is happy that information that she/i have obtained can be shared.

 

I have not named the other Comapny as they threaten liable!

 

EDIT: Note to Moderators I am in the process of sending everything to Alan. Alan and Bank Fodder are fully aware of the current situation. I know my friend said she would do this time ago but family circumstances prevented this. Any Mods with any queries please PM or email me.

Edited by xyawx
Link to post
Share on other sites

Is this any use to anyone effected by Hamilton McCarthy aka Cash Genie's other trading nam? As they where/are operating as debt collectors (DCA) without the Categorical E License see Licencse number 6364798 on the Consumer Credit Registar plus they have on License the other member staff from the other Company. Added to which they contacted Employers, neighbours, used false court documents etc.

 

The link is here it a specialist team in the OFT for dealing with how they term it on their web site "loan sharks". People operating with out the correct Consumer Credit License.

 

Hamilton McCarthy would appear to be a good case to report according to this web site.

 

Common myths about loan sharks : Stop Loan Sharks : Directgov

Link to post
Share on other sites

Just wadding through my friends correspondence they are nighmare. See their twitter page they claim to offer a guaranteed credit card lol. They do not exist as far as I am aware?

 

Cash Genie (Cash_Genie) on Twitter

 

Yet they are not registred with the FSA so I fail to see how they can offer any credit card guarnateed or not.

 

I have no doubt this will vanish from the web. As soon they get wind of something its removed from internet. I have saved it as a pdf document incase anyone neeeds it or wants to look at it.

Link to post
Share on other sites

Yes I am aware of this. They only just registered this Company at the London address. So to further confuse the issue they now have two Consumer Credit Licenses. The more pertinent License is the Ipswich License which shows Hamilton McCarthy does not a license for Debt Collection. They seem to try to want to distance themsolves from Ipswich?

 

Re the Cash Genie Twitter page a Moderator has just emailed me to confirm that if they are saying they are offering a credit card they need a License for that too which again they do not have. So if they giving credit cards its without a Consumer Credit License.

 

No doubt the Cash Genie twitter page will be amended but I have a pdf copy if anyone needs it. Cash Genie are masters at removing stuff from the web.

Edited by xyawx
Link to post
Share on other sites

Yes I am too am with Sillygirl and Robjam. Noone is saying people should not pay their debts. However given that this Company appear to have acted outside the law for eg the DCA Hamilton McCarthy does not have the correct OFT license to act as a debt collector, they have contacted employers, neighbours, sent out false Courts. All of theses issues may be a criminal offence. Cash Genie and its Directors do not answer queries. I know I emailed the Director responsible for the time my friend took out the loan no response. The other Company involved their staff are on Intime Finance Consumer Credit License blatantly lie in emails.

 

The false court documents do not match the actual on line Court Summons Cash Genie sumbitted nor to either of thesee documents reflect the actual Consumer Cred:idea:it Agreement.

 

If Cash Genie does not abide by the Consumer Credit Act then a County Court will reject their claim. The defendent is entitled to counter claim for their time, harassment, distress etc.

 

It seems the poster Norman is saying this Companies should be allowed to operate outside the law and the Courts will back them?

 

If these Companies acted responsibly, within the law then noone would have any isssue with them.

Edited by xyawx
Link to post
Share on other sites

It's amazing how many new posters are turning up here with views that support this most inappropriate practice, isn't it?

 

Call me cynical, but can we seriously consider that those views are purely impartial?

 

Give them credance they deserve, I say.

 

;)

 

Link to post
Share on other sites

The fact is people have done something proactive and never get a response from this Company. I know I queried something for my friend, with their consent. NO response. An attempt at reaching an amicable solution was also put forward, again no response. So I have tested this myself. If they are operating outside the law the Court, OFT etc need to know about it.

 

This Comapny is threatening Court action and has issued Court Summons. This Court Summons amount claimed by this Company do not even tally with the Consumer Credit Agreement nor does it tally with false Court documents they sent to Employers.

 

If the Company is not operating with the Consumer Credit Act then they have no claim, the County Court will throw it out. Yes people can counterclaim, especailly given the huge amount of potential unlawully harassment this people have suffered for months.Never mind the time spent dealing withis Company to which you receive no response or any attempt on their part to reach a solution.

 

I am afraid there are some very serious and potentially highly unlawful issues with this Company. So yes I agree with Sillygirl and Robjam for these people affected by this Company its absolutely vital they protect their interests and challenge this Company.

 

 

Edit: Alan and Bank Fodder/Site Team will shortly send you more documents, just started working on this again. Sorry for the delay but you are aware of the background and I am busy wading through the pile my friend gave me! I have already some documents through to Alan.

Link to post
Share on other sites

When I said do something proactive I meant with regard to those avenues of consumer protection. It's clear from all the numerous reports of the company failing to communicate or allow contact that any approach to them would be a dead end (except documented offers of repayment which are solid gold when arguing in court).

 

Have you obtained company details from companies house with the directors' home addresses? I would suggest that if you started writing letters to them or trying to call them at home you would soon get a very speedy response.

 

If you are so sure of the illegality of their contracts/claims/actions etc then go to court and argue your case. It's only when tangible action is taken and officialdom get curious that something will happen and if their local county court start to see a pattern developing then I'm sure something will be done. If in the meantime you prove to the court their contracts are unenforceable and they are acting outside the remit of their consumer credit license then your next call should be to the OFT and TSO and you're on a winner. One big short cut would of course be to a solicitor but I appreciate this is a costly first step.

Edited by Norman Stanley
typo
Link to post
Share on other sites

1.Unfortunately peoples circumstances can change dramatically very quickly. Plus this Company never responds to queries or makes any attempt to amicably resolve this.

 

2. As this Companies clients will be all over the Country I very much doubt its something the Courts would pick up. I also do not think the Companies big enough to be noticed either by the Courts.

 

3. Yes the Directors are fully aware of the situation. Once again no response.

Link to post
Share on other sites

Quite, thanks 42Siteman plus there is the specialists Loan Shark Teams from the OFT the link I posted yesterday for people operating without a License as Hamilton McCarthy are. Hamilton McCarthy are in fact Cash Genie acting as a DCA. Its Hamilton McCarthy who are acting without a license, contacting Employers, neighbours, sending out false court documents

Edited by xyawx
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...