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Cash Genie / Carter Fobes
I took out a Pay Day Loan with Cash Genie several months ago and was unable to repay it, due to being out of work and they have hounded me ever since with threats and insults.
One minute they offered me a re-payment plan at £2.00 per month and then said that they couldn't accept it.
I was so at my wits end that I have replied several times to them with "colourful language" but it just made them worse and one of the replies was from someone called Jamie who threatened me with a "Attachment Of Earnings Order", to which I pointed out to him that he couldn't get one as I was not working. DUH!
The final straw was when someone called India sent me an email threatening to "sweep" my bank account, meaning that they will try and collect the outstanding amount every day until they get it (good job I closed down the bank account months ago!) and also without my permission they passed my details to Carter Forbes, which turns out to be one of their companies.
I am now making it my mission to cause as much trouble as I can for them, as they are nothing but bullies and hopefully get them closed down or at least fined and I have already unearthed some gems about them which I can use as ammunition.
This is the recent email I received from them and my reply to them (also copied in as a complaint to: The British Cheque & Credit Association, Credit Services Association, Office Of Fair Trading, Companies House, Information Commissioners Office).
From: Drew
Sent: 15 April 2011 02:12
To:
Subject: COMPLAINT ABOUT CASH GENIE & CARTER FORBES
Importance: High
India & the rest of the morons from Cash Genie, I did NOT consent to my Personal and Private information being passed to a 3rd party as you have done when you have passed my details to Carter Forbes Collections and I have therefore lodged a complaint to the Information Commissioners Office, who have also been copied into this email.
You have harassed me for months for payment when I have told you on each occasion that I cannot afford to repay the debt as I have lost my job. I have been so at my wits end with you that I have even resorted to swearing but this hasn’t had any effect and you have only harassing me even more with threats and insults, with Jamie Thompsons’s recent replies as part of the evidence. By the way Jamie, you cannot apply for an Attachment Of Earnings Order against me as I am out of work, you dimwit. I suggest that you check with your Legal Department before uttering such crap to me again.
You all have broken Section 2 (1) of the BCCA Code of Practice by not acting fairly, reasonably and with care in your dealings with me and I have therefore lodged a complaint to the BCCA who have also been copied into this email.
I would also advise you that this is a FORMAL COMPLAINT against you and I expect this to be dealt with in accordance with Section 10 (Sub Sections 1, 2 & 3) of the BCCA Code of Practice.
Robert Dunn of Carter Forbes Collections, I know that you are a company ran by the morons at Cash Genie and you have slipped up when you tried to hide this by not changing your address on your record with the Information Commissioners Office to your Peter House in Manchester address and you left your Cash Genie office address on there, Manchester. I have therefore lodged a complaint to the Information Commissioners Office about you too, who have also been copied into this email.
You have also broke The Companies (Trading Disclosures) Regulations (Statutory Instrument 2008/495) and The Companies (Trading Disclosures) (Amendment) Regulations 2008 (SI No. 218) by not including your registered name in all business communications, such as on your website. And in your recent email that you sent via India, you only included your “Carter Forbes” trading name, when you should have also included your Registered Company Name “Twyford Developments Ltd”. I have therefore lodged a complaint to Companies House and the OFT, who have also been copied into this email.
Claire from CSA UK, Please can you tell me if it is against your Code Of Conduct if your members don’t include their Registered Company Name in their email correspondence and only include their trading name, like Carter Forbes Collections have done below when they make reference to CSA UK? If it is against your Code Of conduct, I would accordingly like to lodge a complaint with you about this. Can I also lodge a complaint with you about Cash Genie?
ICO, BCCA, OFT & Companies House, Please add this email to my original complaint. Thanks.
Legal Beagles & Consumer Action Group, Feel free to share the information contained in this email with your members and maybe those who have also been harassed by Cash Genie and their Cohorts might want to lodge the same complaints as me and hopefully get Cash Genie shut down! J
ALL COPIES OF THE PREVIOUS EMAILS TO AND FROM CASH GENIE & CARTER FORBES HAVE ALSO BEEN FORWARDED TO BCCA, CSA UK, ICO, OFT, COMPANIES HOUSE, LEGAL BEAGLES.
ALL FUTURE EMAILS FROM CASH GENIE & CARTER FORBES WILL ALSO BE FORWARDED TO THE ABOVE PARTIES.
Yours Faithfully
Drew
One minute they offered me a re-payment plan at £2.00 per month and then said that they couldn't accept it.
I was so at my wits end that I have replied several times to them with "colourful language" but it just made them worse and one of the replies was from someone called Jamie who threatened me with a "Attachment Of Earnings Order", to which I pointed out to him that he couldn't get one as I was not working. DUH!
The final straw was when someone called India sent me an email threatening to "sweep" my bank account, meaning that they will try and collect the outstanding amount every day until they get it (good job I closed down the bank account months ago!) and also without my permission they passed my details to Carter Forbes, which turns out to be one of their companies.
I am now making it my mission to cause as much trouble as I can for them, as they are nothing but bullies and hopefully get them closed down or at least fined and I have already unearthed some gems about them which I can use as ammunition.
This is the recent email I received from them and my reply to them (also copied in as a complaint to: The British Cheque & Credit Association, Credit Services Association, Office Of Fair Trading, Companies House, Information Commissioners Office).
From: Drew
Sent: 15 April 2011 02:12
To:
Subject: COMPLAINT ABOUT CASH GENIE & CARTER FORBES
Importance: High
India & the rest of the morons from Cash Genie, I did NOT consent to my Personal and Private information being passed to a 3rd party as you have done when you have passed my details to Carter Forbes Collections and I have therefore lodged a complaint to the Information Commissioners Office, who have also been copied into this email.
You have harassed me for months for payment when I have told you on each occasion that I cannot afford to repay the debt as I have lost my job. I have been so at my wits end with you that I have even resorted to swearing but this hasn’t had any effect and you have only harassing me even more with threats and insults, with Jamie Thompsons’s recent replies as part of the evidence. By the way Jamie, you cannot apply for an Attachment Of Earnings Order against me as I am out of work, you dimwit. I suggest that you check with your Legal Department before uttering such crap to me again.
You all have broken Section 2 (1) of the BCCA Code of Practice by not acting fairly, reasonably and with care in your dealings with me and I have therefore lodged a complaint to the BCCA who have also been copied into this email.
I would also advise you that this is a FORMAL COMPLAINT against you and I expect this to be dealt with in accordance with Section 10 (Sub Sections 1, 2 & 3) of the BCCA Code of Practice.
Robert Dunn of Carter Forbes Collections, I know that you are a company ran by the morons at Cash Genie and you have slipped up when you tried to hide this by not changing your address on your record with the Information Commissioners Office to your Peter House in Manchester address and you left your Cash Genie office address on there, Manchester. I have therefore lodged a complaint to the Information Commissioners Office about you too, who have also been copied into this email.
You have also broke The Companies (Trading Disclosures) Regulations (Statutory Instrument 2008/495) and The Companies (Trading Disclosures) (Amendment) Regulations 2008 (SI No. 218) by not including your registered name in all business communications, such as on your website. And in your recent email that you sent via India, you only included your “Carter Forbes” trading name, when you should have also included your Registered Company Name “Twyford Developments Ltd”. I have therefore lodged a complaint to Companies House and the OFT, who have also been copied into this email.
Claire from CSA UK, Please can you tell me if it is against your Code Of Conduct if your members don’t include their Registered Company Name in their email correspondence and only include their trading name, like Carter Forbes Collections have done below when they make reference to CSA UK? If it is against your Code Of conduct, I would accordingly like to lodge a complaint with you about this. Can I also lodge a complaint with you about Cash Genie?
ICO, BCCA, OFT & Companies House, Please add this email to my original complaint. Thanks.
Legal Beagles & Consumer Action Group, Feel free to share the information contained in this email with your members and maybe those who have also been harassed by Cash Genie and their Cohorts might want to lodge the same complaints as me and hopefully get Cash Genie shut down! J
ALL COPIES OF THE PREVIOUS EMAILS TO AND FROM CASH GENIE & CARTER FORBES HAVE ALSO BEEN FORWARDED TO BCCA, CSA UK, ICO, OFT, COMPANIES HOUSE, LEGAL BEAGLES.
ALL FUTURE EMAILS FROM CASH GENIE & CARTER FORBES WILL ALSO BE FORWARDED TO THE ABOVE PARTIES.
Yours Faithfully
Drew
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