Loan Centre

iolanthe07 · 3 February 2011 at 7:34PM

i didnt see this thread i have had 140 stolen out of my account

You must have given them your bank account details for them to be able to access it. They didn't 'steal' it; you just didn't read their terms and conditions, which, as for all these bottom feeders, are probably draconian.

stokeyjen · 3 February 2011 at 9:57PM

it they made it so you could actually find the terms and conditions i went through wonga on my phone and they got hold of me that way supposed to be simple enough you borrow cash then pay back with intrest no hidden charges but hey i have seen thousands of other people all who never actually went onto the loan company site and have had money taken without knowing how can u read terms and conditions if they are none i only found out it was the loan company when my bank told me they must all be blind too then :/or it could possibly be some kind of fraud which is what the majority think

Apples2 · 6 February 2011 at 2:44PM

stokeyjen wrote: »

i :/or it could possibly be some kind of fraud which is what the majority think

The Majority of what??

I think I am in the Majority as I have never had money taken by them from my account, as most other people I would guess.

I also think the reason I have never had money taken by them, is because I would never give out my bank details to anyone unless I understood who I was giving them to.

It is only people too blinkered by the lure of shiny pound coins who merrily give out their bank details to anyone if they think they will be quids in.

The Irony is that most of the people who give out their details would never have repaid a loan even if they received one.

People are desperate because they are skint, they have no money; ergo, they cannot afford any kind of repayments

I do not think it is fraud, even I can take three of four seconds to find the T&C's but you lot who fall for this however, cannot.

http://www.loan-centre.net/terms.aspx

EdW_2 · 8 February 2011 at 11:27PM

I have had an issue with this company today. A random deduction they have tried to take repeatedly, along with the fact I've never used them!

I contacted my bank and explained the position (Santander), and they were fully aware of who this company is. Their fraud department is dealing with it, and it's simply a case of disputing the payment, which ANY bank can do. The onus is then on the company concerned to provide evidence and proof you have signed up to the agreement.

You MUST cancel your card to prevent future payments. Sadly if one has already been called for (even if not collected) they can't stop it, but you can then go through a Visa dispute. This may not mean you get the cash back immediately unfortunately.

I also contacted action fraud (so I would suggest you all do this) online to register, as well as Essex Police (003003334444). The policewoman I spoke to in their fraud team was well aware of the activities of this particular company, and have had a large number of complaints. A fraud officer has already produced a dossier and they have rest assured that they are working, within the law, to prevent this company happening. The police were especially scathing in that they apparently operate on the basis of a numbers game - i.e. people ignore it and they keep the money.

Whatever other posters on this site seem to think about the T&Cs, fact is, the website is deliberately misleading and at no stage mentions a loan, other than in the T&C small print, so they are in breach of the usual financial rules and will ultimately be forced to refund anyone who asks for it, effectively. They are relying on people not doing this, not knowing the law, and not knowing what to do. Ergo theft, and a scam.

I am staggered by the usual pompus and hypocritical rubbish about T&Cs and it being other peoples' fault. Whilst some may be anal to look at every single slightest thing, can you who complain really say you live your life that way? After all, if you buy a bar of chocolate you don't read the label to check it doesn't include arsenic. You presume it doesn't because the advertising and your experience has led you to this. Nor would the chocolate company have a defence if it killed you. This is no different, if the site (and I've just checked it) in no way states a fee or a subscription (why would someone subscribe anyway for a short term loan?), it's the same thing.

I am of the belief that this company will be brought down eventually......

jfkdon · 19 February 2011 at 9:53AM

Hi, Iv also had money taken from me, £74.95. Im fuming. Do these guys have a contact number yet as they have not replied to one of my 20 emails in the past 24 hours. Im starting to believe I wont be getting my money back and wont have any issues in taking a trip across the country to collect what is owed. Please if someone has a contact number (because I cant see them replying to my emails anytime soon) for them, post it up. Iv got a few words they need to hear. Thanx

Apples2 · 19 February 2011 at 10:14AM

jfkdon wrote: »

Hi, Iv also had money taken from me, £74.95. Im fuming. Do these guys have a contact number yet as they have not replied to one of my 20 emails in the past 24 hours. Im starting to believe I wont be getting my money back and wont have any issues in taking a trip across the country to collect what is owed. Please if someone has a contact number (because I cant see them replying to my emails anytime soon) for them, post it up. Iv got a few words they need to hear. Thanx

I can't believe they aren't answering your emails!! Heaven forbid.

Do you really think they are going to be apologetic and throw a refund at you if you manage to speak to them??...really??

All the info is already in this thread but I'll spend 20 seconds getting it for you..

Cancellation

A one off joining fee of no more than £74.95 is payable in most cases after you have had an average of 14 days membership and access to the site. If you have not cancelled/terminated your membership with us, you will be automatically charged by a direct charge to the debit/credit card authorised by the member with an ongoing membership fee of £8.99 which is payable monthly until such time as you decide to cancel your membership.
Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us confirming your request to cancel your application, either in writing to: Customer Services, The Loan Centre, 46 Alexandra Street, Southend, Essex, SS1 1BJ or by email to help@loan-centre.net. With regard to payments set up by Credit or Debit Card, if Your payment declines we will attempt to take the payment from the card until we are notified that You wish us to cancel such attempts. Written confirmation may be required.

Complaints

We make every effort to ensure our service to you is excellent, however if You wish to make a formal complaint, please send your complaint in writing to the following address: Customer Services Manager, Customer Services, The Loan Centre, 46 Alexandra Street, Southend, Essex, SS1 1BJ. We will issue a final response to You within 6 weeks of Us receiving your complaint. If You are unhappy with our response or have not received our final response after 6 weeks You may refer your complaint to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Forget emails, the delete key is fairly well worn out on their computers.

Follow the very procedure they have stated, in WRITING and post it by RECORDED DELIVERY

fozmcfc · 19 February 2011 at 10:15AM

Below is from their website, so it seems you will be charged £8.99 a month until you cancel as well.

A one off joining fee of no more than £74.95 is payable in most cases after you have had an average of 14 days membership and access to the site. If you have not cancelled/terminated your membership with us, you will be automatically charged by a direct charge to the debit/credit card authorised by the member with an ongoing membership fee of £8.99 which is payable monthly until such time as you decide to cancel your membership.

Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us confirming your request to cancel your application, either in writing to: Customer Services, The Loan Centre, 46 Alexandra Street, Southend, Essex, SS1 1BJ or by email to [EMAIL="help@loan-centre.net"]help@loan-centre.net[/EMAIL].

I would write a recorded post letter to them myself. Ringing won't do anything whatsoever, you need to write. I personally would not email either.

EDIT..............haha Apples2 beat me to it.

fozmcfc · 19 February 2011 at 10:22AM

Google mapping it, it looks like it is a smallish modernish looking building, with no signage of what the building actually contains.

jfkdon · 19 February 2011 at 10:40AM

Ok, thanx for the smart reply apples but Im aware of how to contact them through the post, I HAVE READ THIS FORUM and more so if you actually read back yourself it says people have received a refund form via email after numerous emails sent, so please do yourself a favour and wipe the sleep out your eyes, Im an innocent 1st time poster who needs help. If your motive is jumping down ppls throat on a money saving site at 10am then you might need yourself abit of HELP son. Chao now. Thank you, Bye

jfkdon · 19 February 2011 at 10:42AM

But thank you for your concern.. Ahem

Loan Centre

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