Join me in the fight to stop yesloansuk.com

usedandabused

Enfieldian wrote: »

Yes, I am, because you are.

holier than thou attitudes are really irritating, yes everyone can voice an opinion, but when it goes from constructive to just petty name calling any credibility evaporates in my eyes.

Enfieldian

Sorry Dad.....

***sulks off to room***

serious_saver

Enfieldian wrote: »

You are technically correct, however this is for subscription payment, not for compiling the credit report.

Bank details are not requested as part of the "Profile Info" which is the addresses you have lived at, date of birth, etc.....

You are correct that it is subscription but when products such as credit expert require you to give bank details in order to view your credit report, you can hardly act surprised when people assume that companies need these details. Again, this is why there needs to be greater protection for the less savvy, more vulnerable people.

Apples2

serious_saver wrote: »

Again, this is why there needs to be greater protection for the less savvy, more vulnerable people.

We should take away their Right to Vote too. Why should their vote count for as much as mine??

I'm being sarcastic! It is already clearly displayed in the T&C's, what kind of protection are you suggesting?

Do we allow people their own freedom of choice, allowing them to make their own decisions, no matter how crazy they seem?

Or do we have some mechanism whereby you cannot make a decision yourself, maybe you apply for some kind of rental advisor to accompany you everywhere. That way he can make the decision for you.

Can't we simply educate people into taking reasonable precautions before making commitments instead of blaming the World for their own silly mistakes??

If people spent just two minutes looking up Yes Loans, they would have gone out of business years ago.

Enfieldian

serious_saver wrote: »

You are correct that it is subscription but when products such as credit expert require you to give bank details in order to view your credit report, you can hardly act surprised when people assume that companies need these details. Again, this is why there needs to be greater protection for the less savvy, more vulnerable people.

That is utter bollox.

You only have to give card details for payment, not as part of the profile information. That is very clear. End of.

The issue here is about stupid people that are thick enough to think that some random company will lend them thousands of pounds when everyone else has said no, and gladly give card details over the phone without a second thought.

As said before, this is a tax on the stupid.

disciple3d

This is a ridiculous attack on people who have already suffered for their mistake.

If I wrote in my terms and conditions that I was going to come round to your house and kill you if you didn't pay back the loan, it wouldn't be legal just because it was written in the T&C!

Unfair conditions are always unfair conditions, and charging people for a service which they don't receive is illegal, whatever you write in the terms and conditions. The point is, they are misleading people into thinking that the charge is for sourcing a loan. Many times they source a loan for a different amount, over a different period, and claim that meets their obligations. I could charge you for this post, and any replies that I follow up, but I think if it came to court, they'd find that it was dishonest business practice.

Since there are laws and authorities in this country, and we don't live in the wild west, people should be able to assume that companies will meet their obligations in law for transparency regarding loan applications! That's why we have a powerful legal system in this country, and a small claims court process.

A lot of people have been mislead by this company, and have only got their money back through court action. Of course, once it gets to court, they get their money back, since the company are clearly a bunch of thieves.

I support wholeheartedly people's genuine efforts to get a dishonest and disreputable company closed down, and I really don't know what these abusive people's problem is. There is always someone who defends the indefensible. Doesn't make it any more right, but they still go ahead and do it anyway.

I would prefer to have a tax on angry people than 'stupid' people. Angry and stupid people are the worst, and they are usually the ones who attack the victims of a crime for being victimised.

lwhitty1

Hi New on here, my husband has just applied for loan with Yes loans, paid his 69.50, he had a call from a company saying that they had received an application from yes loans and that he could have the loan but they needed his bank details to pay it in to his account. So he gave them over and they said that the money would be in his account in the next 15mins, they would call him back when it had gone through, they called him back and said that they needed the first months repayment there and then. I dont know what to do as now they have his bank details, i dont want them to take the money!!!!!!!!!!!!!!!! Help plz

Apples2

You've already been robbed.

The second call asking for money up front sounds like the Indian Loan scam. They will ask for the money to be transferred via Western Union.

Can I assume you will not go through with it , no matter what they say on the phone?

For the Yes Loans saga, go through the Terms and conditions. You must request your refund in WRITING, no phonecalls, no emails, write it a post it to the address listed in the T&C's.

For additonal info, you will NOT receive a genuine loan offer as a result of your actions thus far, they are ALL out to scam you so please don't do anything as crazy as giving your details out again.

Enfieldian

So Yes get their £70 and pass your details on to an advance fee fraudster now then?

Nice.

ashleypride

disciple3d wrote: »

Since there are laws and authorities in this country, and we don't live in the wild west, people should be able to assume that companies will meet their obligations in law for transparency regarding loan applications! That's why we have a powerful legal system in this country, and a small claims court process.

In an ideal world that would be great, we don't live in one of those, scams occurs all over, you need to protect yourself. You cannot rely on a reactive law system.

These loan brokers are scum, but if people read the T&Cs it would be clear what they are getting so they wouldn't sign up. People have to take some responsibility for themselves.