Loandirect.net FRAUD HELP

poppasmurf_bewdley

Csutomer_Help_LDUK wrote: »

[FONT=&quot]Hi, my name is David Walker. I am a senior manager within the customer service department at Loans Direct UK. I am sorry that some of you appear to have had some issues contacting us to discuss the membership fees.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]We have a full refund policy for any customers who wish to cancel their membership if they feel the membership they signed up is not for them.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Myself and my team are available to speak to via phone between 9am and 6pm Monday to Friday in [/FONT][FONT=&quot]08443091936[/FONT][FONT=&quot] or alternatively drop us an email with your details to [/FONT][EMAIL="Customer-help@loansdirectuk.net"][FONT=&quot]Customer-help@loansdirectuk.net[/FONT][/EMAIL][FONT=&quot][/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]We have a team of highly trained advisors waiting to take your call or email and discuss any aspect of your membership.[/FONT]

I don't believe a word you say. And I've reported you for breaking the rules of this website.

DCFC79

Reported them also, have just noticed they have spelt customer as csutomer. Id give them £5 to get a new keyboard but ive no bank account details to deposit the money.

searcher1

Well I had problems insomuch as a bit new to this 'must read T&C's' you hear about. Sent 'signed for' letter 30 days ago for a refund of their so called membership fee and not a peep. Will now call them and see how they respond. Anyone got a number other than the 0844 (10p a min from BT LL)?
Michael

redsaxon

searcher1 wrote: »

Well I had problems insomuch as a bit new to this 'must read T&C's' you hear about. Sent 'signed for' letter 30 days ago for a refund of their so called membership fee and not a peep. Will now call them and see how they respond. Anyone got a number other than the 0844 (10p a min from BT LL)?
Michael

They wont answer calls or at best will fob you off,give them another 26 days and if still no reply contact the financial ombudsman who will take over the case and get you your money back
http://www.financial-ombudsman.org.uk/

Jasmine2013_2

Information About Loans Direct UK
- Totally legitimate trading practices

1) Fees are taken out of customers' accounts without authorisation, using debit cards, the details of which are purportedly taken for identification or credit check purposes only.

Loans Direct response:

"Loans Direct UK Only charge fee to provide customers with a membership, this membership allows members to borrow money, save money and gives them access to our online and offline membership tools. We do not conduct identity or credit checks and are very clear in what our charge is for, a membership. It is made very clear on our home page, throughout the application process and on the payment page (where a customer's debit card details are collected) that the membership fee of £59.75 will be debited when we have established that we have lenders who can make a loan offer to the customer."

2) Payment of fees is taken though loans are offered for an amount, which is below the amount needed and requested by customers.

Loans Direct response:

"Loans Direct UK is not a lender, nor does it ever make out it is the lender, we are a membership service and will only make recommendation to our members and provide them with the online and offline tools to assist them in their loan search. The amount a lender lends and the rate at which they lend is between the lender and the member. WE DO NOT GUARANTEE ANY AMOUNTS, If a customer is not happy with the offer they've received from the lender they've been matched with all they need to do is simply contact us and we will find an alternative lender, update any new application information and if the customer is not satisfied with the service they've received they can request that the application is closed and that a refund is issued.

"We operate a completely independent service. We work for our customers."

3) Payment is taken though the customer has cancelled the request for a loan.

Loans Direct response:

"We won't always receive feedback from a lender if a customer has requested to cancel their application directly with them. If a customer experiences difficulties in applying to their lender, changes their mind about applying for a loan or wishes to cancel their application for any reason, all they need to do is contact us directly and the application will be cancelled. Our telephone number is available throughout our site and is attached to all outbound correspondence via email, SMS and post.

"We run lengthened call centre hours of 8am to 9pm to help customers get hold of us outside of normal working hours.

"We can be reached on 08443091936 and are happy to discuss any member enquiries."

4) Loans Direct processes an application fee knowing that they will not be able find customers a suitable lender.

Loans Direct response:

"If you have been asked to pay us a fee then congratulations we believe we can help you and at least one lender on our lender panel is willing to proceed with your application. The information customers provide to us is carefully analysed during the application, whether the application is made over the phone or online.

"If there are no available products or the client doesn't meet the criteria of at least one or more of our product providers, the application won't be accepted and the customer will NOT be charged."

5) Loans Direct offer customers loans from companies which have already rejected their application or which are unsuitable because no guarantor is able to guarantee the customer's loan application.

Loans Direct response:

"We ask customers during the application process and in subsequent telephone, email and SMS communication to verify any lenders, with which they have existing borrowing, have already applied to or have been turned down by. It is made clear that it is vital that the customer answers this information accurately so that we can find the right loan for the customer first time and as quickly as possible. If a customer indicates that they have outstanding credit with a particular lender or have been refused credit with a provider, these companies are excluded from the search. If any customer receives a recommendation for a lender that they don't want to use for any reason, they can either decline it on their online account page or just call us and ask one of our telephone agents to do it for them. The customer will then be matched with the next best lender assessed against the customer's criteria.

"Guarantor products are growing in popularity as they can offer larger unsecured advances to a wide range of customers. Several guarantor loan products are available and are only offered to our customers if we have assessed that they are the best product available for them. If the customer does not wish to proceed with the lender that they've been matched with for any reason all they need to do is simply contact us and we will find an alternative lender for them."

6) Loans Direct operates a scam.

Loans Direct response:

"We absolutely do not operate a scam and it is slanderous and libellous to suggest otherwise. We hold a consumer credit license that was issued by the Office of Fair Trading, we have a no quibble refund policy and we deliver a highly valued service to our large base of customer, many of whom come back to us many times to meet their financial needs. If a customer is not completely satisfied with the service they've received they simply need to contact us via phone or email to discuss. Queries of this nature will be dealt within 24 hours and response will be issued over the phone and confirmed in writing."

7) It is extremely difficult to obtain a refund from Loan Direct.

Loans Direct response:

"We have a 100% refund policy for any customers who are unhappy with the service they have received. To discuss a refund with us you are simply required to contact us via phone (08443091936) or email (support@loansdirectuk.net). Our call centre is open Monday to Friday from 8am to 9pm and Saturday 10am to 2pm, we do our best to deal with all refund requests on the same day."

djmouth

Jasmine2013 wrote: »

Information About Loans Direct UK
- Totally legitimate trading practices

1) Fees are taken out of customers' accounts without authorisation, using debit cards, the details of which are purportedly taken for identification or credit check purposes only.

Loans Direct response:

"Loans Direct UK Only charge fee to provide customers with a membership, this membership allows members to borrow money, save money and gives them access to our online and offline membership tools. We do not conduct identity or credit checks and are very clear in what our charge is for, a membership. It is made very clear on our home page, throughout the application process and on the payment page (where a customer's debit card details are collected) that the membership fee of £59.75 will be debited when we have established that we have lenders who can make a loan offer to the customer."

2) Payment of fees is taken though loans are offered for an amount, which is below the amount needed and requested by customers.

Loans Direct response:

"Loans Direct UK is not a lender, nor does it ever make out it is the lender, we are a membership service and will only make recommendation to our members and provide them with the online and offline tools to assist them in their loan search. The amount a lender lends and the rate at which they lend is between the lender and the member. WE DO NOT GUARANTEE ANY AMOUNTS, If a customer is not happy with the offer they've received from the lender they've been matched with all they need to do is simply contact us and we will find an alternative lender, update any new application information and if the customer is not satisfied with the service they've received they can request that the application is closed and that a refund is issued.

"We operate a completely independent service. We work for our customers."

3) Payment is taken though the customer has cancelled the request for a loan.

Loans Direct response:

"We won't always receive feedback from a lender if a customer has requested to cancel their application directly with them. If a customer experiences difficulties in applying to their lender, changes their mind about applying for a loan or wishes to cancel their application for any reason, all they need to do is contact us directly and the application will be cancelled. Our telephone number is available throughout our site and is attached to all outbound correspondence via email, SMS and post.

"We run lengthened call centre hours of 8am to 9pm to help customers get hold of us outside of normal working hours.

"We can be reached on 08443091936 and are happy to discuss any member enquiries."

4) Loans Direct processes an application fee knowing that they will not be able find customers a suitable lender.

Loans Direct response:

"If you have been asked to pay us a fee then congratulations we believe we can help you and at least one lender on our lender panel is willing to proceed with your application. The information customers provide to us is carefully analysed during the application, whether the application is made over the phone or online.

"If there are no available products or the client doesn't meet the criteria of at least one or more of our product providers, the application won't be accepted and the customer will NOT be charged."

5) Loans Direct offer customers loans from companies which have already rejected their application or which are unsuitable because no guarantor is able to guarantee the customer's loan application.

Loans Direct response:

"We ask customers during the application process and in subsequent telephone, email and SMS communication to verify any lenders, with which they have existing borrowing, have already applied to or have been turned down by. It is made clear that it is vital that the customer answers this information accurately so that we can find the right loan for the customer first time and as quickly as possible. If a customer indicates that they have outstanding credit with a particular lender or have been refused credit with a provider, these companies are excluded from the search. If any customer receives a recommendation for a lender that they don't want to use for any reason, they can either decline it on their online account page or just call us and ask one of our telephone agents to do it for them. The customer will then be matched with the next best lender assessed against the customer's criteria.

"Guarantor products are growing in popularity as they can offer larger unsecured advances to a wide range of customers. Several guarantor loan products are available and are only offered to our customers if we have assessed that they are the best product available for them. If the customer does not wish to proceed with the lender that they've been matched with for any reason all they need to do is simply contact us and we will find an alternative lender for them."

6) Loans Direct operates a scam.

Loans Direct response:

"We absolutely do not operate a scam and it is slanderous and libellous to suggest otherwise. We hold a consumer credit license that was issued by the Office of Fair Trading, we have a no quibble refund policy and we deliver a highly valued service to our large base of customer, many of whom come back to us many times to meet their financial needs. If a customer is not completely satisfied with the service they've received they simply need to contact us via phone or email to discuss. Queries of this nature will be dealt within 24 hours and response will be issued over the phone and confirmed in writing."

7) It is extremely difficult to obtain a refund from Loan Direct.

Loans Direct response:

"We have a 100% refund policy for any customers who are unhappy with the service they have received. To discuss a refund with us you are simply required to contact us via phone (08443091936) or email (support@loansdirectuk.net). Our call centre is open Monday to Friday from 8am to 9pm and Saturday 10am to 2pm, we do our best to deal with all refund requests on the same day."

This number is no longer in use !!!!!!!!!!! They change the site contact number every couple of months after 100`s of complaints and their contact email is never working .

STAY CLEAR

And NEVER EVER apply for a payday loan at https://www.paydaywad.co.uk

as it will forward you on to these guys with all your account details and personal information and the reviews you read online are all from the same person who owns the company

YOU HAVE BEEN WARNED !!!!

SnowTiger

djmouth wrote: »

And NEVER EVER apply for a payday loan at https://www.paydaywad.co.uk

as it will forward you on to these guys with all your account details and personal information and the reviews you read online are all from the same person who owns the company

YOU HAVE BEEN WARNED !!!!

No Consumer Credit Licence, no contact details and a domain registered to a "UK Individual" rather than a company: http://who.is/whois/paydaywad.co.uk.

All things to be wary of.

It appears to be an affiliate of this lot: http://www.eplwebsolutions.co.uk/. They mention having a "Panel of Lenders", which suggests they're (at best) a broker.

If I was looking for a payday loan I'd go with one of the big, well-know, outfits.

wind2k9

I really dont understand you guys at all. I mean if you reach this scamers page definetly you need a loan. So why in the hell you will pay money to find a loan? i mean evry11 will take a loan when he need money..so how the hell you go and pay a fee. where is the logic thinking in this?

SnowTiger

wind2k9 wrote: »

I really dont understand you guys at all. I mean if you reach this scamers page definetly you need a loan. So why in the hell you will pay money to find a loan? i mean evry11 will take a loan when he need money..so how the hell you go and pay a fee. where is the logic thinking in this?

Generally, applicants have been turned down elsewhere and are so desperate for a loan that they'll pay someone else to find a company willing to lend to them.

Also, scammers lie to hopeful applicants about why they require debit card details and when (or if) a fee will be taken... 'we need your debit card details so we can perform a credit check' or 'we'll only take our fee after you've got your loan' or 'we'll take your first month's payment in advance so we know you're able to pay'.

Generally, again, people are quite trusting and naive.

ripped_off_welshy

This just happened to me. Phone your bank and raise a visa debit investigation. i had two un authorised brokers raiding my account, the card company will investigate and refund your account and claim costs off the scam company. they didnt repond to letters or phone calls, so get your bank to take it in hand. from when i told my bank what happened, both sets of money were refunded into my account within two days! what a relief. also cancel your debit card and get a new one issued, if your details are online with companies like these, god knows who else has got them too. good luck!