What are my Rights?

whautot

Hello all, this may not be correct section but here goes. I have a payday loan with cash genie that went in to arrears. Since the time of loan I had to change card so they did not have my current card details. I have been in email contact with them regarding paying the loan back in monthly installments.

Stupidly of myself feeling the pressure of xmas I started looking for other short term loams and I put my card details on a couple of the sites. On Friday 16th Dec I noticed £91 had gone from my account. I had to wait until yesterday to see what it was but to my surprise cash genie had taken it in 3 seperate transactions. I can only think one of the sites was an affiliate as I had not given my new details to them directly. I also did not authorize the payments.

Should I be entitled to this money back? should I also report the, to trading standards as I see this as fraud/stealing?

talana

Should I be entitled to this money back?

No

should I also report the, to trading standards as I see this as fraud/stealing?

No, and it isn't.

You took out a loan and didn't pay it back as agreed. Read the T&Cs, sure it'll be in there.

KingElvis

LOL they got you then, if you owe more, expect them to be back.

Your new card is now useless.

Jeff_Bridges_hair

Oooh you're someone who is in an awful lot of trouble as you last posted on the DFW board in November. Why you took out another payday loan I do not know

Description....................Debt......Monthly.. .APR
Council Tax....................3700......150.......0
Various payday loans...........2000......0.........0
Water..........................2500......0........ .0
JD Williams....................200.......0.........0
EDF............................300.......0........ .0
Citi Finance...................2600......0.........0
Welcome Finance................2500......0.........0
Barclays.......................300.......0........ .0
Lloyds.........................200.......0........ .0
3G.............................300.......0........ .0
Orange.........................450.......0........ .0
Total unsecured debts..........15050.....150.......-

https://forums.moneysavingexpert.com/discussion/3634393=

STOP borrowing and start getting yourself back on track with your repayment plans.

LovelyLeeds

whautot wrote: »

Since the time of loan I had to change card so they did not have my current card details.

You'll never outwit a PDL - they are 10 steps ahead of you and know every wheeze going.

...to my surprise cash genie had taken it in 3 seperate transactions. I also did not authorize the payments.

10 steps ahead...

Should I be entitled to this money back? should I also report the, to trading standards as I see this as fraud/stealing?

No and no - read above.

dealer_wins

whautot wrote: »

as I see this as fraud/stealing?

Funny that, so do they!!

KingElvis

God yes op, you really need to get your shiit together and get yourself sorted.

tell_it_how_it_is

whautot wrote: »

Should I be entitled to this money back? should I also report the, to trading standards as I see this as fraud/stealing?

It was their own money, so how exactly were they stealing it? They were retrieving it, that's all. If anyone was stealing, it was you.

Be thankful it saves you some interest, and if there's any left outstanding, get in contact and again and sort out a plan you are comfortable with.

skintandscared_2

Of course they were entitled to their money back and nobody forced you to enter your bank details into numerous new PDL sites (which is just madness, sorry!)

Please revisit the debt free wannabe board. They are lovely over there and so helpful. Your issue is clearly your spending and you desperately need to figure out how to live within your means. You can't go on forever getting loans and not repaying them.

I can personally recommend going to CCCS or PayPlan. They are free and they are so non-judgmental. You need to be ready to STOP taking any credit (you won't be allowed ANY, not even an overdraft) and they can contact your creditors and negotiate repayments. You will be left with enough to pay the bills and necessary expenses. Cut down those mobile tarrifs, cancel Sky (get Freesat - it's just as good!) and cut your grocery bills/utility bills. Living within your means is the only way to a brighter future, trust me. I never thought I could live without credit cards but 3 years into a DMP I've never missed a payment, never gone overdrawn and I'm still alive Christmas is now bought and paid for without even touching my December salary, which is a first, and it feels so good. Life's too short to have this panic every month...

RichGold

whautot wrote: »

Stupidly of myself feeling the pressure of xmas

What pressure? Xmas is just another time of year. In reality it means nothing.

You don't hear people saying "I'm feeling the pressure of St Andrews Day".

Ridiculous.

I suppose you'll be neck deep in it by the new year unless you get a grip.

skintandscared_2

RichGold wrote: »

What pressure? Xmas is just another time of year. In reality it means nothing.

You don't hear people saying "I'm feeling the pressure of St Andrews Day".

Ridiculous.

I suppose you'll be neck deep in it by the new year unless you get a grip.

Have to agree. Christmas is not a big surprise. You know on 1 January when it's coming around again and have 12 months to plan for it. If you don't have the discipline to save, use the supermarket services where you can buy stamps weekly/monthly towards your Christmas shop.