We are committed to offer our customers a fair, responsible and transparent service. We make sure you know how much you are borrowing and how much you need to pay back. This will be the sum of the amount you borrowed plus the interest. You will be able to see the total amount repayable prior to taking out the loan in the Pre-Contract Credit Information (Standard European Consumer Credit Information) and the Adequate Explanation. If you want to know whether a Cash Genie Loan is right for you, all relevant information about the key features including both the risks and benefits of the loan are available on our website.
We are a member of the CCTA and adhere strongly to the provisions of the Customer Charter and the Addendum to industry Codes of Practice.
We are here to help! Our excellent customer service team will happily help you with any problems or queries. We are available at the end of the phone. Please call us if you have any issues with your application or loan on 01473 200 101.
Your feedback on the services you receive is very important to us. If you have been dissatisfied about the service we offered, please call us on 01473 200 101 or write to us at Cash Genie, 2 Reavell Place, Ipswich, IP2 0ET and one of our agents will be able to address your concern.
It is our responsibility not to lend to people who cannot afford the loan. All new and existing customers undergo customer due diligence through both credit and internal checks and each application is assessed on an individual basis. We perform an assessment of affordability each time we provide a loan to both new customers and existing customer.
The purpose of a short term loan is to act as a temporary solution to cash flow problems. They are not intended for long term borrowing over long periods of time. We do as much as we can to ensure you don't borrow more than you can afford to pay back. However, it is also your responsibility to ensure you borrow what you can afford to repay so that you don't fall into debt. Please think carefully before taking out a loan with us and ensure that you are able to repay the total outstanding balance on the due day.
If you are in financial difficulties, you can get free independent help and advice from a number of organisations. If you have defaulted on your loan or you are in arrears with your payments, please click arrears, default and High Cost Short Term Loans Information Sheet for more information.
Please contact us via the telephone number, postal or email address given above if you have any questions or would like further information or clarification about our agreements. There are many other organisations offering advice but be aware that some may charge for their services. The ones listed below all offer free advice:
Citizens Advice Bureau - a network of local offices offering free, confidential independent advice. www.citizensadvice.org.uk (England, Wales and Northern Ireland), or www.cas.org.uk (Scotland)
Step Change - free, confidential advice and support - www.stepchange.org or Tel 0800 138 1111
National Debtline - a free, confidential and independent telephone helpline for debt problems. www.nationaldebtline.co.uk or Tel 0808 808 4000 (England, Wales, and Scotland)
Money Advice Service - www.moneyadviceservice.org.uk or Tel 0300 500 5000
If you are concerned that you may not be able to make your loan repayments on time, the High Cost Short Term Loans Information Sheet may be of use to you, please click here to view.
Similarly, if you have defaulted on your loan, the default information sheet offers free advice. There is also an arrears information sheet, if you are in arrears with your payments.
If you are in financial difficulties, you can also get free independent help and advice from a number of organisations, for more information click here.
