Yes Loans refund help required

sleekthfc

i have been duped by these guys too, could i get an email from one of you guys with any helpful advice please.


Nick

redang112

can i have any details anyone has on how to get yes loans to refund my fees,i paid them in april this year and like ev1 else says if i phone them to ask them they cut me off,im getting really frustrated about it as i am a single mother and cant afford to be paying this if i dont get an outcome. thanks !

cifpower

They received my cancellation letter on the 15 July and as yet no refund. Rang them today (hold time was approx 10 mins and amazing I was connected in exactly 10 minutes!) and I was told she couldn't access my refund information unless I went through what my debts were. She said my debt was £10k (its not) and I asked how do you get this figure if you haven't credit searched me and she couldn't answer. She kept talking over me and said, "Don't you know what 3-5 working days means?" I said yes and I also know what "within 30 days" means but obviously Yes Loans don't.

I contacted the Financial Ombudsman and they have arranged to send them a letter and I have also sent them a complaint letter. We will see how it goes.

cifpower

They received a letter from the Financial Ombudsman on 22 August stating I had a complaint and miraculously a cheque was issued on 23 August. Strange that!

dave4893

hi everyone,

i been scamed ok i put when said approved a girl put through guy 2 check a email 2 get different loan how getting a month cash loan at 1734 per cent give a better credit rating also i tried 2 get 69.50 back he got natsy with me well both lost it he said yes loan governed by f.s.a 4 what read that must be a laugh how anyone say bunch of cowboys being regulated mind u f.s.a didnt do anything 2 stop the banker crisis now how get my money back went 2 bank & even couldnt stop because details how make yes loans give me 69.50 back all this happened today

thanks 4 any help
regards
dave

SnowTiger

dave4893 wrote: »

hi everyone,

i been scamed ok i didnt tell all my debts [...] how get my money back

So you lied during your application? Scammer meets scammer.

Anyway, to get a refund you could try following the advice on Yes Loan's website at http://www.yesloansuk.com/refund-information.php.

cifpower

Well Yes Loans have yet to refund, the FOS sent them a letter on 19 August saying I had a complaint. I posed my complaint on 18 August. Yes Loans say they have not received either letter but a cheque was issued but I have never received it.

So to save waiting, I initiated a chargeback with my bank on Tuesday and I received the money back into my account today. If Yes Loans can't be bothered to refund I'll get it back myself.

izools

cifpower wrote: »

Well Yes Loans have yet to refund, the FOS sent them a letter on 19 August saying I had a complaint. I posed my complaint on 18 August. Yes Loans say they have not received either letter but a cheque was issued but I have never received it.

So to save waiting, I initiated a chargeback with my bank on Tuesday and I received the money back into my account today. If Yes Loans can't be bothered to refund I'll get it back myself.

My OH initiated a chargeback from Yes Loans earlier in the year but they found in YES loans favour.

Expect the money to be taken back out once they finish their investigations.

They stated in their investigation (the bank did) that they found in yes loans favour that the money was used in line with the terms laid out on the YES website.

They followed on to say that they can't take into account that the chap at YES loans stated he would only charge £1 to the card and that the card would only be used to verify ID and not for the purposes of the fee, he stated that it was my OH's responsibility to read the terms of the service for YES before giving them the card number.

HSBC closed by stating that as YES had my OH's details on file and the details my OH gave YES matched the details HSBC hold (address, name, etc) that there was no case - despite the fact YES used the card for a purpose other than that for which it was agreed the card would be used.

Chargebacks are utterly useless in instances like this.

fozmcfc

cifpower wrote: »

Well Yes Loans have yet to refund, the FOS sent them a letter on 19 August saying I had a complaint. I posed my complaint on 18 August. Yes Loans say they have not received either letter but a cheque was issued but I have never received it.

So to save waiting, I initiated a chargeback with my bank on Tuesday and I received the money back into my account today. If Yes Loans can't be bothered to refund I'll get it back myself.

TBH I'm still trying to get my head around why someone who has been a member on these forums for over 6 years, actually went with Yes Loans.

A simple search of these forums, would have shown you, what a huge mistake you would be making.

cifpower

izools wrote: »

My OH initiated a chargeback from Yes Loans earlier in the year but they found in YES loans favour.

Expect the money to be taken back out once they finish their investigations.

They stated in their investigation (the bank did) that they found in yes loans favour that the money was used in line with the terms laid out on the YES website.

They followed on to say that they can't take into account that the chap at YES loans stated he would only charge £1 to the card and that the card would only be used to verify ID and not for the purposes of the fee, he stated that it was my OH's responsibility to read the terms of the service for YES before giving them the card number.

HSBC closed by stating that as YES had my OH's details on file and the details my OH gave YES matched the details HSBC hold (address, name, etc) that there was no case - despite the fact YES used the card for a purpose other than that for which it was agreed the card would be used.

Chargebacks are utterly useless in instances like this.

The card disputes team wanted a copy of the cancellation letter to yes loans before processing a chargeback. They received that yesterday and my account was credited today. Hopefully its a final decision.