I Have Been Robbed

backinbusiness

No need to flame the poor guy - he is already feeling bad enough.

OP - maddening I know, but probably not too much you can do other than advice given above.

Chalk it down to experience and never, ever lay out cash up front for this type of service again.

Bad luck

bib

clivejohnson

you dont learn from your sucesses-you learn from your mistakes. chalk it up, pick yourself up and be more vigilant and streetwise in future- I hope you get your cash back and be grateful were not talking about a four-figure sum here

chalkie99

The hardest thing to understand is how you have been a member of this site for almost 5 years and hadn't read about these things.

epsilondraconis

star-fire wrote: »

Well you as well if you couldn't understand my post and who it was meant for.

Sure. You keep telling yourself that if it makes you feel better.

Who your post was directed at doesn't actually make any difference.


OP, ensure you send your letter recorded delivery (at least get proof of posting, which is free). Assuming you still require a loan, it may be useful to read some of Martin's articles.

http://www.moneysavingexpert.com/banking/credit-unions

http://www.moneysavingexpert.com/loans/Interest-free-short-term-loans

It may also be worth reading this article regarding your credit rating as it may be useful to check your credit file before applying for any loans.

http://www.moneysavingexpert.com/loans/credit-rating-credit-score

Good luck. I hope you get everything sorted.

[Deleted User]

Thanks very much to everybody who has giving me mature and sensible advice. Why certain people have to pick on others, beats me. Just plain Cowardly especially from behind a monitor screen

Hannah_10

I think another thing worth considering is what was so pressing that you felt you had to have a loan? Often the answer is existing debt which was difficult. If there is an underlying problem that caused you to feel desperate it could be time to address it.

dlk

Make sure you save a copy of your cancellation letter as you can't simply stop the payments through your bank as they are card payments rather than a direct debit.

They will be able to dispute the payment for you if you can provide proof that you cancelled as per the guidelines set out in the terms and conditions (this is assuming the company don't just refund you as they should).

serverking

USM wrote: »

Is this a windup? You gave bank details to some guy who e-mailed you out of the blue?

He's right. I looked at the address 88 Wood Street is the address of Hewlett Packard. I worked there recently. There is no Eazyloan- it's some guys in a rented office with a recording of a busy office, with access to a PDQ machine... They are probably long gone now

With real loans you never pay up front you get the loan first then pay off. These loan brokers are scammers. You've given them £70 to run a google search on the net for you. It happened to me too. It's a way to cheat the desperate. I'm going to sort out my current account and look after it. You ought to do the same

Enfieldian

Deleted_User wrote: »

Today I received an email from a company guys promising me a loan. So I signed up. After I did that, I was then instead giving a load of loan companies for which I know of anyway and also for who will not give me a loan. I cancelled my account with this guys after 5 minutes.

Later today I phoned my bank up to check my balance and I was then shocked to learn that £67.70 had come off my account from this company!

Never once was I informed from there was a charge for joining you this company

I have just read the small print on the site in the terms and it says:
"Cancellation
4.1 A one off joining fee of no more than £74.85 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 £8.89 which is payable monthly until such time as you decide to cancel your membership.
4.2 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, Ezeloans.net, 88 Wood Street, London, EC2V 7RS.
4.3 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"

Does it sound like I will get a refund? I am scared because there is not even a phone number for this company and I feel that I was tricked. Its a lot of money to lose especially after just 5 minutes

The company6 is called http://www.ezeloans.net

There you go, sorted that for you.....

Next time, read the small print first.

[Deleted User]

Just received an email from them and am I right in saying that these guys are not going to refund my money? The email said:


As you have contacted us with regards to Cancellation of your account we feel it is prudent to remind you of the following things.


Since we received your application we have worked hard to find you lenders who can provide the loan you requested. We have uploaded these loan products and lenders to your personal profile for you to review and complete. To view these you will need to log back into your personal profile at https://www.ezeloans.net/profile.aspx and complete the details they ask for and then you will be able to receive your credit agreement and loan. If the lenders are not suitable you need to let us know the reasons why so that we can source alternatives for you.


We have provided the services as set out in the terms and conditions. When you completed your application you confirmed you had read, understood and agreed to the terms and conditions. The membership fee was clearly stated on the page into which you input your credit/debit card details and also clearly stated in the terms and conditions:


4.1 A one off joining fee of no more than £74.85 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 £8.89 which is payable monthly until such time as you decide to cancel your membership.


I will cancel your monthly subscription with immediate effect and your on-going membership fee of £8.89 will not be collected. I will leave your personal profile active until the end of your current membership period and then turn it to an inactive status.


Kind Regards


Ezeloans.net