Quick Decision Loans. Broker. Scammer?

sammandry

I wrote the letter QDL requested and got 64.95 out of 69.95 back - they did pass my details on to flm - who seem determined not to take no for an answer - I am still getting sporadic emails suggesting I approach family members, friends or even work colleges to act as guarantors - these people really are scum.

All I can advise is send the letter keep calling it can take a while to get your money back but do not pursue any loans or loan companies that they recommend. Check out my posts if you need telephone numbers - I posted all that I had and good luck ;0)

Humf_2

I have now had ober 15texts in 2 days from FLM, with paperwork through the post, never even spoke to FLM,

They do not give up dp they,

BLT_2

mrbecky1 wrote: »

Hiya!
I think I have made a big mistake? I checked my Experian file, then did a quick online general enquiry about a loan on Experian. The next day I got a call from Quick Decision Loans and told them I would like a loan for £6000.I went through all my personal details with them,job etc etc and this took about 15/20 minutes. They told me to wait for a minute and then they came back to me and told me I would qualify for a loan.
They then told me they are a broker, so then asked me for my credit card details so they could deduct a fee of £60.I told them I couldn't, because that would take me over my limit, but I arranged it as a debit at the end of this month from my bank (now is the 28th of May). They told me once the fee is paid, i will receive some forms from them, as well as some forms from a loan company. They told me also, there is an no obligation process and I can get a refund of the fee if I am not happy. I am getting concerned I could be scammed?

Alan

Avoid Experian 'Lower My Bills' like you would a plague rat. There recommendations have no validity whatsoever, they credit scoring system has no validity whatsoever and their only use is to monitor exactly what is on record about you (and in most cases that is 3 months out of date).

I pay them merely so that I can keep an eye on my personal credit history, I would certainly not use them for anything other than a personal credit history filing system. Its worth 6 pounds a month as it focuses the mind, the rest of their products are pure excrement

BLT_2

sammandry wrote: »

:mad:
Yes after 3 txt messages and a conversation with Eva at FLM on the 16th - where she assured me that my loan would not be processed and she had marked my file do not post. I got an email that evening telling me that me loan request had been looked into and the money had been transferred ready for me to withdraw.

So guess what - I got my loan paperwork today FLM have offered me £3000 at 53.9% APR variable

the charge for this credit is £2442.84 (at 36% interest per annum) inclusive of a brokerage fee of £300 and a debit card fee of £0.29 (I am not sure who's debit card fee this is - I don't have a debit card)

<b>Additional fees::eek:
Breach of agreement fees £20 i.e late payment or failure to pay
Returned payment charge £20
Letter notifying non- payment £7.00

I assume that this means that if I miss a payment it will cost me £47.00 + interest?

Visits to your home to collect payment £100

and they charge interest at the rate of interest on unpaid sums and reasonable costs incurred as a result of a breach including legal costs, court fees and costs incurred in tracing you should you change address and not notify them.</b>

If it all the same with you at FLM loans - I will not support the lifestyle you wish to become accustomed too - I would rather take the bus................

Companies that operate like this - profiting from peoples desperation are morally reprehensible and should be stopped.

My favourite line in all this is 'Visits to your home to collect payment - 100 pounds

Do they drive up in a black limo wearing pin striped suits and carrying violin cases. What a bunch of scummy loan sharks FLM really are

BLT_2

I love this site, it makes me investigate areas I would never have even looked at before. I just looked at the FLM website and here is there extract for finding a guarantor :-)

1) Family members/Friends - Obviously our family and friends would love to help us out financially but they might not have that kind of money lying around. Acting as guarantor for you is the next best thing. They're helping you get the money you need with the same risk. (and we can always take their home off of them if they can't pay)

2) Bosses and work colleges - People you work with are perfect, they know how much you earn. Naturally you're going to be wary about sharing your business with people at your work, but needing a guarantor during a credit crunch is nothing to be ashamed of. No Comment

3) Landlords - If someone trusts you to live in their property, they will trust you to pay back a loan (you are more likely to find that he won't renew your tenancy :-))

How the flying fu*k do the people who work for these companies sleep at night. The company is owned by scum, the people who work for them year after year are scum ---- arrgh words fail me

nuttyp

my husband ask about a loan via experian, they 'recommended' these cowboys!!!! Because they need a bank account and my OH doesnt have one, they asked for my details, i never spoke to them - but htey deducted 69.95.

I rang them back and demanded the money be back in my account by 330, and it was - seams trading standards are investigating them...................

My advise is to get the person on the phone to give you their name, i personally threatened to sue them not the company for theft, after all i never gave permission for the transaction.

I hope you all get your money back asap.

BLT_2

nuttyp wrote: »

my husband ask about a loan via experian, they 'recommended' these cowboys!!!! Because they need a bank account and my OH doesnt have one, they asked for my details, i never spoke to them - but htey deducted 69.95.

I rang them back and demanded the money be back in my account by 330, and it was - seams trading standards are investigating them...................

My advise is to get the person on the phone to give you their name, i personally threatened to sue them not the company for theft, after all i never gave permission for the transaction.


I hope you all get your money back asap.

Experian strike again :rotfl:, I bet the silly old git on those adverts wouldn't go anywhere near there 'recommendations'

However it does appear that if you didn't speak to them your OH gave them your bank details, otherwise they would never have been able to deduct the monies - give him a kick up the !!!

sammandry

BLT wrote: »

I love this site, it makes me investigate areas I would never have even looked at before. I just looked at the FLM website and here is there extract for finding a guarantor :-)

1) Family members/Friends - Obviously our family and friends would love to help us out financially but they might not have that kind of money lying around. Acting as guarantor for you is the next best thing. They're helping you get the money you need with the same risk. (and we can always take their home off of them if they can't pay)

2) Bosses and work colleges - People you work with are perfect, they know how much you earn. Naturally you're going to be wary about sharing your business with people at your work, but needing a guarantor during a credit crunch is nothing to be ashamed of. No Comment

3) Landlords - If someone trusts you to live in their property, they will trust you to pay back a loan (you are more likely to find that he won't renew your tenancy :-))

How the flying fu*k do the people who work for these companies sleep at night. The company is owned by scum, the people who work for them year after year are scum ---- arrgh words fail me

Glad its not just me!!!

sammandry

PLEASE PLEASE if you get this message in you in box take a moment to contact Experian via this email:

customerserviceATcreditexpertDOTcoDOTuk

they are really interested to hear about all our experiences with QDL etc - maybe if they get enough complaints they will remove them from their website which may stop other people going through what we have been through ;0)

Wolffo

I can't believe after all this time and complaints going through various channels - QDL is still linked to Experian!

I very nearly fell into the same trap today but was angered they tried to take a £69 fee off me with out any details of the loan or applications forms etc!!

It wasn't until I googled it after I realised I could have made the same mistake.

I have e-mailed Experian customer services to see what they have to say on the matter.