Yes Loans

Paulinesun

Hi I have been reading a lot of these posts, and I tried to get a loan. I am a widow and selling my house but wanted a loan in meantime to tide me over and do a couple of jobs in my house! I aplied to yesloans and they took my £70 fee, fair enough I thought, worth it when I get the loan. Unfortunately everyone they sent my way have turned me down, saying either I am not working so cant have loan, etc etc. So far I havnt received one offer. So how do I go about get my fee back. I was willing to pay the fee no problem if I got the loan, but I havnt.

Uibhist

I made an enquiry to yes loans yesterday. They asked me to pay money upfront which I told them I didn't have and didn't want to proceed. I was then passed through to someone else who asked me to open my email account and click on links etc. When I opened my email I noticed that it said something about approval for a £300 loan. I told the guy that I did not want a loan but he said just to ignore that as it was just people trying to sell add on's - we were only enquiring to see whether I would be able to get a loan. Once I done what he asked the line went dead as it was 6 o'clock (the first person I spoke to said they shut at 6). I received another phone call this morning asking if I wished to continue with the loan and I said no.

I have just checked my email to find an email informing me that £300 had been deposited into my account from Payday loans! I did not want this money, maybe I have been stupid by following the guys directions but I don't know what to do now. I'm in the process of applying for car finance through a dealer and I think might just ruin my chances.

Can anyone advise me what to do as the company wants me to pay back an extra £75, which I cannot afford to do!!

PLEASE HELP ME!

Culex

Uibhist wrote: »

I made an enquiry to yes loans yesterday. They asked me to pay money upfront which I told them I didn't have and didn't want to proceed. I was then passed through to someone else who asked me to open my email account and click on links etc. When I opened my email I noticed that it said something about approval for a £300 loan. I told the guy that I did not want a loan but he said just to ignore that as it was just people trying to sell add on's - we were only enquiring to see whether I would be able to get a loan. Once I done what he asked the line went dead as it was 6 o'clock (the first person I spoke to said they shut at 6). I received another phone call this morning asking if I wished to continue with the loan and I said no.

I have just checked my email to find an email informing me that £300 had been deposited into my account from Payday loans! I did not want this money, maybe I have been stupid by following the guys directions but I don't know what to do now. I'm in the process of applying for car finance through a dealer and I think might just ruin my chances.

Can anyone advise me what to do as the company wants me to pay back an extra £75, which I cannot afford to do!!

PLEASE HELP ME!

Write to the company asking for proof of your contract with them.

Notify your bank of this scam and tell them not to let them take any money from your account.

sam178

if you haven't touched the money then payday uk will take it straight back, then when you recieve your documents from yes loans just send them back saying you want to cancel everything. Also ring up customer services to check if a dated payment for the fee has been set up, just incase. I worked there and got sacked because I was telling people the truth, that they werent getting a loan and to just write in and get a refund. Some people do get loans so it's not a scam you just need to read the terms and conditions properly. But it's very few people the go away with the ammount that they applied for. If your unemployed or self employed then you wont qualify for any of the lenders apart from FLM loans who need a guarantor, so there's no point in even applying, and yes loans shouldnt be taking fees off those people knowing full well that they aren't going to get a loan.

Lynne1968

I just wish i'd looked on this site before paying my £69.50 charge in my attempt to get a £1500 loan. The call handler led me to beleive it was all sorted, all I had to do is sign the paperwork which was going to be sent through then 3-5days later the funds would be sitting in my bank account. Here I am now 7days later still no funds & £69.50 lighter. Everytime I called them the same recorded message 'wait time of approx 10mins' then in most cases 20mins later I would get to speak to someone. Finally today I managed to get to speak to someone after waiting on the phone for 25mins to be told the only option available to me was with FML loans who want a guarantor, I explained to the guy that i'd already said i cannot get a guarantor & his answer was 'well that's all there is available' I asked him what now, his answer 'you'll just have to wait then' I asked him about a refund & he has told me to write in but i'm less than optimistic that i'll get it. These people are just rip off merchants & the company should not be allowed to trade giving people false hope & promises.

fozmcfc

Lynne as an earlier poster says, write a letter and send as recorded delivery.

Write along the lines below and don't get into any you said this blah, blah, keep it simple.

Yes Loans Ltd
Tintern House
William Brown Close
Llantarnam
Cwmbran
NP44 3AB

Your Ref No:

Your FULL name
Your FULL address and postcode
Your date of birth

To whom it may concern,

As instructed by your terms and conditions I am writing to you today to inform you that I would like a refund of the £69.50 paid for my application. This transaction was processed on insert date here.

As per your terms and conditions, I expect my fee to be refunded within 30 days of your receiving this letter.

Your Name
Your Signature

Don't email, don't phone, but write the above.

poppybevis

Hello there , i am only 18 and in desperate need of a loan as i was certain id be able to get the money back well to be able to pay it off but with no credit rating as of yet it would have been impossible to get a bank loan, so i have just been scammed by these bandits and so upset PLEASE MAY SOMEONE HELP ME with how to get this money back i feel horrendous epspeshially as like a fool without realising what i was doing gave all my bank card details as i thought they were doing a credit check, iv tried ringing back but they have been increidbly rude and unhelpful, not giving me the address to write a letter asking for the refund as i no longer want to proceed because the adress is 'too long' , so grateful for someone to get in contact , in desperate need of this£69.50 back!!

SnowTiger

poppybevis wrote: »

Hello there , i am only 18 and in desperate need of a loan as i was certain id be able to get the money back well to be able to pay it off but with no credit rating as of yet it would have been impossible to get a bank loan, so i have just been scammed by these bandits and so upset PLEASE MAY SOMEONE HELP ME with how to get this money back

Go here: http://www.yesloansuk.com/ and click on the cunningly hidden Refund Information link at the bottom of the page. :j

poppybevis

thank you! have you had experience with trying to get refunded and have they actually done it?? i just feel so unhopeful about this!

poppybevis

also my reference number stars with 'yes s... followed by 8 numbers, do i put down the whole thing as my reference number? as its only asking for an eight digit code im worried that i havent even been given a right number?! really upsetting