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Cash Genie / Carter Fobes

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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 r
    eply 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
    Last edited by Drew; 15th April 2011, 15:26:PM.
    Tags: None

  • #2
    Re: Cash Genie / Carter Fobes

    Suprisingly, Cash Genie haven't hounded me all day, apart from a Read Receipt that was sent automatically by India, when she read my email. So they must be running around the office like headless chickens trying to figure out how to dig themselves out of trouble with the various people I have reported to them to.
    :cancan:

    I have also just reported them to The Financial Ombudsman. I cant believe I forgot about them and nearly left them out!

    Is there anyone else I can also report them to or any other action that I can take?
    :director:

    My brother has just told me off for having too much fun with them! lol
    Last edited by Drew; 15th April 2011, 15:28:PM.

    Comment


    • #3
      Re: Cash Genie / Carter Fobes

      Here are the previous replies from Cash Genie and my apologies in advance for my expletives, which I have starred out:

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 13 April 2011 13:06
      To: Drew
      Subject: RE: Get Back on Track

      We both know that will not happen.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 13 April 2011 12:42
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      So, **** off, now, thank you.

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 13 April 2011 07:17
      To: Drew
      Subject: RE: Get Back on Track

      That’s your opinion. My opinion is that you think you are being clever by avoiding your responsibilities to repay your debts. It will catch up with you in the end and then I may have the same attitude towards assisting you as you have to facing up to your debts.

      So, card details, settlement, done.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 12 April 2011 20:02
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      PMSL. I haven’t got any problems thanks.

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 12 April 2011 07:12
      To: Drew
      Subject: RE: Get Back on Track

      Grow up and face up to your problems.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 11 April 2011 23:11
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      <YAWN> You’re boring me now.

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 11 April 2011 15:50
      To: Drew
      Subject: RE: Get Back on Track

      Your vocabulary is quite lacking.

      All I will suggest is that you please do not ask for a refund when we collect your full balance as you will get no sympathy from me.

      Your lack of commitment to repaying this loan is laughable as is your attitude.

      You will find that by ignoring your debts, you will get nowhere as your balance will increase further and as soon as you are in work again (if not already) we will obtain an attachment of earnings after taking you to Court. Your balance will increase again.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 11 April 2011 15:45
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      **** off.

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 11 April 2011 11:37
      To: Drew
      Subject: RE: Get Back on Track

      I do not think I will be taking notice of your suggestion.

      I am willing to arrange a much reduced repayment plan if you are not working to enable me to freeze and potentially even reduce the balance.

      Ignoring this debt will not make it go away. If what you state is true and you are not working, that does not mean you do not have to repay your debt. Without an arrangement in place, expect an attachment of earnings to arrive at your place of work as soon as you start work again.

      I am trying to help you here but your attitude towards this debt is pathetic to say the least. I can understand the situation you find yourself in but you need to come to an arrangement.

      Emails can be presented in Court and I am sure a judge will not be too impressed with your attitude.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 10 April 2011 23:35
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      I don’t care if you are the queen of sheeba.

      Please DO take me to court. I look forward to it! I am jobless and you still won’t get a penny and will only waste YOUR OWN company’s money.

      I suggest that you now **** OFF.

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 10 April 2011 11:55
      To: Drew
      Subject: RE: Get Back on Track

      Firstly, I am not a spammer, secondly, I am the Collections Manager of Cash Genie. They as you are aware are the Company you borrowed money from and are now refusing to pay back.

      You currently owe £742 and we will be looking to collect that in full. This balance will increase when we take you to Court.

      I suggest you grow up and actually attempt to resolve this matter before it becomes too late.

      I am available on 0800 046 8121.

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk

      From: Drew
      Sent: 10 April 2011 01:13
      To: Jamie Thompson
      Subject: RE: Get Back on Track

      **** off spammer!!!

      From: Jamie Thompson [mailto:J.Thompson@cashgenie.co.uk]
      Sent: 07 April 2011 11:16
      To: Jamie Thompson
      Subject: FW: Get Back on Track
      Importance: High

      Dear client,

      Please ignore this email if there is an existing arrangement in place, this is not a formal demand for payment!!!

      I would like to offer you the chance to settle your arrears we understand that with the current financial climate it is easy to find yourself struggling. We at Cash Genie do consider all cases as individual ones and will be able to help if contact is established and you are willing to come to an agreement.

      For some clients, regardless of the age of the debt I will consider rolling your account over for a fee of £20.00, this would represent a huge saving, I will then remove all fee’s and reduce the interest for your loan. We are responsible lenders here and genuinely do want to help you. I will also listen to all sensible settlement offers if you were able to close your account in one single payment or even spread over three.

      Please note that the above is an offer of goodwill and is a genuine one, please take advantage of it whilst it is here!!!

      If I do not hear from you then I will be looking to continue all collections methods and you will be charged in accordance to the original agreement, as you know this can get very expensive with fee’s and interest being added. With normal collections procedures we will be looking to speak to you and will keep trying to contact you through all numbers provided on your original application and any other number that is found to be a better contact number. Collections will not cease until the balance in full is retrieved.

      Cash Genie is one of only a few known short term lenders that does use the County Courts to obtain County Court Judgments (CCJ’s) and clearly I would not be able to put this in an email or any written communication if this was not true. We currently have a 100% success rate when issuing also.

      Appling for County Court Judgments is always our last step and one we want to avoid if possible. I would prefer to help you repay your balance, roll your account over for a minimal payment or arrange a repayment plan you can afford.

      UPON REPAYING THIS ACCOUNT, YOU WILL BE CONSIDERED FOR FURTHER LENDING.

      Would any of the following options help:

      · Rollover your account for £20.00 regardless of the age of the debt
      · A one off greatly reduced settlement, please reply and ask for a figure
      · A reduced settlement over three months

      Hope to hear from you soon

      Kindest Regards
      Jamie Thompson
      Collections Manager
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848 (01473 297210)
      Fax: 0845 017 9961
      Email: J.Thompson@cashgenie.co.uk
      Website: www.cashgenieloans.co.uk
      -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
      From: Barry Sillence [mailto:b.sillence@cashgenie.co.uk]
      Sent: 04 January 2011 17:58
      To: Drew
      Subject: RE: remove all charges

      High levels of intelligence you have showed here:

      Firstly my name is spelt Sillence- not silence.
      Secondly all evidence will be saved for imminent legal proceedings where I’m sure a judge will be amused.

      From:Drew
      Sent: 04 January 2011 17:55
      To: Barry Sillence
      Subject: RE: remove all charges

      I wish you would be silent just like your name and GO AWAY.

      From: Barry Sillence [mailto:b.sillence@cashgenie.co.uk]
      Sent: 04 January 2011 13:04
      To: Barry Sillence; Collections
      Subject: remove all charges

      Dear Member,

      As an offer of goodwill, If you can call in/reply to this email by 17.00 on Friday the 7th and pay your original interest amount Cash Genie will bring your account up to date and waive all additional charges and interest.

      Should you wish to pay in full; one of my staff should be able to offer you a reduced settlement of your account also.

      If you are not able to call in, then you may forward on the following details to make this reduced payment, and you will receive a receipt of payment via email also:

      Type of card
      Long Card Number
      Expiry Date
      Last 3 Digits on reverse of card.

      If you would like to enter a payment plan to repay the outstanding balance then I will also be happy to discuss this with you either by email or on the phone.

      Should you have any further queries, please do not hesitate to contact me on 0800 046 8121.

      Failure to contact us will result in us perusing the full outstanding balance and any funds collected will be non- refundable, we may also mark your credit file with a default if non payment which will seriously affect your ability to get similar credit in the future.

      Kindest Regards

      Barry Sillence
      Assistant Manager - Collections
      Cash Genie U.K Ltd
      Switchboard: 0845 956 9848
      Fax: 0845 017 9961
      Email: b.sillence@cashgenie.co.uk
      Website: The Cash Genie - Fast Payday Loans
      Last edited by Drew; 15th April 2011, 16:06:PM.

      Comment


      • #4
        Re: Cash Genie / Carter Fobes

        Here's some more:

        -----Original Message-----
        From: Joff Middleton [mailto:J.middleton@cashgenie.co.uk]
        Sent: 06 December 2010 13:32
        To: Drew
        Subject: RE: Re:


        I am the manager so I you wish to reply back please feel free I have already started legal procedures

        -----Original Message-----
        From: Drew
        Sent: 06 December 2010 13:31
        To: Joff Middleton
        Subject: Re: Re:

        Does your Manager know you are replying to customers like this? Rest assured I will letting them know, you moron.
        Sent from my BlackBerry® wireless device

        -----Original Message-----
        From: Joff Middleton <J.middleton@cashgenie.co.uk>
        Date: Mon, 6 Dec 2010 13:48
        To: Drew
        Subject: RE: Re:

        Very good but will see who looks sillier when it come to the situation

        -----Original Message-----
        From: Drew
        Sent: 06 December 2010 13:23

        To: Joff Middleton
        Subject: Re: Re:

        I hope you will also tell the court about how you are such a retard.
        Sent from my BlackBerry® wireless device

        -----Original Message-----
        From: Joff Middleton <J.middleton@cashgenie.co.uk>
        Date: Mon, 6 Dec 2010 13:47
        To: Drew
        Subject: RE: Re:

        So I will take that as a no to coming to an arrangement on the account I will note this
        all on the account so when it does end up in court it will be used.


        -----Original Message-----
        From: Drew
        Sent: 06 December 2010 13:16
        To: Joff Middleton
        Subject: Re: Re:

        **** OFF YOU ********.
        Sent from my BlackBerry® wireless device

        -----Original Message-----
        From: Joff Middleton <J.middleton@cashgenie.co.uk>
        Date: Mon, 6 Dec 2010 12:41:28
        To: Drew
        Subject: RE: Re:

        How is this a breach of dater protection, to breach data protection you have to give
        information out...... that hasn't happened. If there isn't an arrangement this will move to
        legal recovery


        -----Original Message-----
        From: Drew
        Sent: 06 December 2010 11:56
        To: Joff Middleton
        Subject: Re: Re:

        Surely if a colleague offers a customer something then they should be leaving a note on the account? If not, then this is a breach of the Data Protection Act!

        The loan would have been paid off on my paydate if I hadn't of lost my job! So you and your company can go and whistle for your money as I can't pay you what I don't have!

        So feel free to pass this to your legal team as they won't get more than what I have already offered, which is actually what YOUR COMPANY asked me to pay a few weeks ago.
        Sent from my BlackBerry® wireless device

        -----Original Message-----
        From: Joff Middleton <J.middleton@cashgenie.co.uk>
        Date: Mon, 6 Dec 2010 10:44:05
        To: Drew
        Subject: RE: Re:

        I'm very sorry to say but it would be very hard to check 16,000 people in debt with every colleague at the company, I'm sorry that £2 isn't a fair offer on a loan that was due to be paid off on your pay date with your balance being at £410.00 it would take 17 years to pay off, your loan is due to be past to legal recovery next week unless something is arranged on the account.

        -----Original Message-----
        From: Drew
        Sent: 06 December 2010 09:44
        To: Joff Middleton
        Subject: Re:

        If you had bothered to check with your colleague Daz, you will know that I have already emailed him about his £2.00 per month offer!
        Sent from my BlackBerry® wireless device

        -----Original Message-----
        From: Joff Middleton <J.middleton@cashgenie.co.uk>
        Date: Mon, 6 Dec 2010 09:40:15
        To: <J.middleton@cashgenie.co.uk>
        Subject:

        Dear sir/madam

        I am emailing you in an offer of help on your account with our selves Cash Genie, we understand that a lot of our clients may come in to some financial hard ship and with the loans you have with our self the interest and charges can become hard to manage.

        As a responsible lender we are offering a chance to move forward with this balance paying minimal amount, and even lose some of the Interest and charges gained.

        Here is an offer that will freeze the balance move forward with your arrears and become debt free with ourselves. When moving into a Payment Plan that we are offering we can look to write off some of the outstanding balance at the end of the agreed payment period. And the plans can start from as little as £5 per week!

        All you need to do is reply back to this email or call 0800 046 8121 (free number ) and move into an arranged payment plan and one of our advisers, They will do all they can to move forward with this outstanding debt.

        I look forward to hearing from yourself by email or in person and hope this will help you.

        Kindest Regards

        Joff Middleton
        Senior Accounts Manager
        Cash Genie U.K Ltd
        Switchboard: 0845 956 9848
        Fax: 0845 017 9961
        Email: j.middleton@cashgenie.co.uk
        Website:The Cash Genie - Fast Payday Loans
        -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
        From: Joff Middleton [mailto:J.Middleton@cashgenie.co.uk]
        Sent: 08 November 2010 10:03
        To: Drew
        Subject:


        I’m very sorry about that it was sent from a system I am offering help in good faith on the account that is out standing

        From: Drew
        Sent: 08 November 2010 10:03
        To: Joff Middleton
        Subject: Re: OFFER OF HELP WITH OUT PREDADISE !!!!


        When you have learnt to spell PREJUDICE correctly, then email me again.

        From:Joff Middleton
        Sent: Monday, November 08, 2010 9:47 AM
        To:Joff Middleton
        Subject: OFFER OF HELP WITH OUT PREDADISE !!!!

        Dear sir/madam

        I am emailing you in an offer of help on your account with our selves Cash Genie, we understand that a lot of our clients may come in to some financial hard ship and with the loans you have with yourself the interest and charges can become hard to manage.

        As a responsible lender we don’t want your balance to rise and rise to a stage where it has legal action taken and puts strain on your financialsituation and credit rating.

        Here is an offer that will freeze the balance move forward with your arrears and become debt free with ourselves. When moving into a Payment Plan that we are offering we can look to write off some of the outstanding balance at the end of the agreed payment period. And the plans can start from as little as £5 per week!

        All you need to do is reply back to this email or call 0800 046 8121 (free number ) and move into an arranged payment plan and one of our advisers will do all they can to move forward with this outstanding debt.

        I look forward to hearing from yourself by email or in person and hope this will help you.

        Kindest Regards

        Joff Middleton
        Senior Accounts Manager
        Cash Genie U.K Ltd
        Switchboard: 0845 956 9848
        Fax: 0845 017 9961
        Email:
        j.middleton@cashgenie.co.uk
        Website: The Cash Genie - Fast Payday Loans

        Comment


        • #5
          Re: Cash Genie / Carter Fobes

          I personally wouldnt waste the time & effort on these clowns.....simply ignore and report them to every authority you can think of (oh & hello 14 guests - is it nearly home time? lol)

          Comment


          • #6
            Re: Cash Genie / Carter Fobes

            There are lot's more emails from them too, mainly with offers to "waive the interest charges" where I haven't bothered replying to them.

            In all of my years of dealing with Companies, I have never known a company to insult and argue back with the customers like these morons do. How do they get away with it? They should have been shut down by now.

            ------------------------------- merged -------------------------------
            Originally posted by mr.ton View Post
            I personally wouldnt waste the time & effort on these clowns.....simply ignore and report them to every authority you can think of (oh & hello 14 guests - is it nearly home time? lol)
            I wouldn't normally but they pushed me too far with their crap and backchat, so I commenced battle lol.
            :fencing:
            Last edited by Drew; 15th April 2011, 16:14:PM. Reason: Automerged Doublepost

            Comment


            • #7
              Re: Cash Genie / Carter Fobes

              I must admit - i enjoy getting into these email slanging matches myself (even better on the phone) - it all gets a bit addictive after a while lol

              Comment


              • #8
                Re: Cash Genie / Carter Fobes

                Hi Drew,

                If they have anything lawful to say make them do it in writing via the mail and I would also only communicate in writing via mail with them. I never use e-mail for these matters or the telephone. There is nothing like a good paper audit trail if worst comes to worst. And remember never sign anything just print your name.

                If worst comes to worst it pays to remember that the judges are a pretty conservative lot and well kept paper files go down well.#

                regards
                Garlok.

                Comment


                • #9
                  Re: Cash Genie / Carter Fobes

                  Originally posted by Garlok View Post
                  Hi Drew,

                  If they have anything lawful to say make them do it in writing via the mail and I would also only communicate in writing via mail with them. I never use e-mail for these matters or the telephone. There is nothing like a good paper audit trail if worst comes to worst. And remember never sign anything just print your name.

                  If worst comes to worst it pays to remember that the judges are a pretty conservative lot and well kept paper files go down well.#

                  regards
                  Garlok.
                  Thanks Garlok.
                  ------------------------------- merged -------------------------------
                  Originally posted by mr.ton View Post
                  I must admit - i enjoy getting into these email slanging matches myself (even better on the phone) - it all gets a bit addictive after a while lol
                  lol :yield:
                  ------------------------------- merged -------------------------------
                  What's a "Automerged Doublepost"?
                  Last edited by Drew; 15th April 2011, 16:20:PM. Reason: Automerged Doublepost

                  Comment


                  • #10
                    Re: Cash Genie / Carter Fobes

                    Keep it all in writing and keep a paper trail as Garlok suggests. Don't bother replying to their emails and just do it all by the book.

                    Tbh, "fun" as it may be, by replying to them as you have done you are just giving them more ammunition and bringing yourself down to their level. It does you no favours at all, don't forget that they can also produce emails as evidence in court should they actually make a claim. Just stick to the facts, be professional in your dealings with them and make them look like the bad guys.
                    Is no longer here

                    Comment


                    • #11
                      Re: Cash Genie / Carter Fobes

                      Originally posted by WendyB View Post
                      Keep it all in writing and keep a paper trail as Garlok suggests. Don't bother replying to their emails and just do it all by the book.

                      Tbh, "fun" as it may be, by replying to them as you have done you are just giving them more ammunition and bringing yourself down to their level. It does you no favours at all, don't forget that they can also produce emails as evidence in court should they actually make a claim. Just stick to the facts, be professional in your dealings with them and make them look like the bad guys.
                      Thanks for the advice Wendy but I always do everything by email as its quicker that way and I keep a paper trail but via email.

                      Normally I wouldn't have risen to their bait and used the language that I did but I was at my wits end as their emails were relentless and nearly every other day, apart from a few days (one being last week) when I got 3 emails from them in the same day. So enough was enough and I snapped.

                      I will keep my cool from now on though and wont explode with them again.
                      :flame:
                      Last edited by Drew; 15th April 2011, 21:45:PM. Reason: Automerged Doublepost

                      Comment


                      • #12
                        Re: Cash Genie / Carter Fobes

                        Hi

                        I have just had my bank account 'swept' by these guys leaving me no money for rent or living expenses for the month. I had previously entered a repayment plan with them and have been sending them postal orders on a monthly basis as I had changed banks and did not want to give them my current bank account details as I had read about their dubious reputation. Basically, they somehow managed to get hold of my new bank details without my knowledge, they said I had made an application with their sister company recently and agreed to them taking money out of my account (as if!!!). They are still saying I have an outstanding amount owing but will clear this as long as I don't report them to my bank for fraud!!!!!

                        Can anyone give any advice??

                        Thanks.

                        Comment


                        • #13
                          Re: Cash Genie / Carter Fobes

                          report them for fraud now.tell the police now

                          Comment


                          • #14
                            Re: Cash Genie / Carter Fobes

                            If they have taken money out of your account it is fraud. Did they setup a direct debit on your new account? If so, claim it back under the direct debit guarantee as well.

                            Ian

                            Comment


                            • #15
                              Re: Cash Genie / Carter Fobes

                              Definitely one for the police and go to your bank tomorrow and ask for the money to be replaced as you did not authorise this payment.

                              Comment

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