Loans Direct UK [text removed by MSE Forum Team] Processing Fee

cockneysean

Did you bother to read the post properly? I don't think you did, did you? Seems to be what to expect from you, and I find it ironic that you are the poster that has replied to me, as you seem to spend all of your time on here making posts attempting to belittle people whilst giving off an air of undeserved superiority!

I do not need to apply for a refund in writing as I got it from my bank.

I told a half truth to the bank - I myself did not apply to these people for any type of loan, so actually that is the full truth isn't it?

With regards to giving over the details of an empty account to "pay a fee with", if you bothered to read properly then you would have noticed that I said that they told my Mrs. that the card was to be used to pay the loan to her. There was no mention of any fees whatsoever until she had supplied the card information, by which time it would be too late. And in any case, once fees were mentioned they were told in no uncertain terms that there services were not required, even more so because of the way that they were trying to pull it off.

This thread is about helping people to get their money back. As far as I am concerned, any way you can achieve that is fair play, it's called fighting fire with fire. Or maybe I should have sent a recorded letter so I could jump through their hoops to get refunded? No, I don't think so. If I or my partner had been daft enough to fall for their normal modus operandi, ie: falling for the trick of paying the fee in full knowledge, then yes I would agree that I should have applied through the proper channels. However, they lied by saying that the card details were to be used for paying the loan to her.

Ultimately, I got the money back and that is the bottom line. They took the money through blatantly fraudulent methods. The hint is the word fraud. It was reported to the fraud department of the bank. I'm not going to be put down by the likes of you for getting back what is, after all, my own bloody money, and if this helps anyone else to get THEIR money back, then I don't see what the problem is. You somehow seem upset that I DIDN'T get had over! What is all that about?!

To finish, the rather lengthy post that I made was in no way a "rant", and I think the tone reflects that. I was merely providing a comprehensive account of what happened and how I dealt with it. Successfully.

So, Apples2, why don't you try getting off of your high horse and start helping other users here on MSE? I have read a fair few of your posts now, and they all follow the same format. Your signature says it all though really; "Collecting infractions since 2009". If that is something to be proud of to the point that you happily advertise the fact, I don't think that particularly makes you an asset to a site such as this!

e2a: Also, Gaz83, did you read what I had to say about GUARANTEED PAYMENTS. They are able to take money from empty accounts using this method. I mentioned this in the post that you are referring to. It is extremely underhanded and could land a lot of people in a lot of trouble.

Gaz83

You resolved it by lying to your bank, which means it will go down as a fraudulent transaction. Which means your bank will investigate it. Which means they'll contact Loan Spotter, who may very well have a recording of the phone call in which your wife willingly giving your card details.

cockneysean

Well, duh, Gaz, then that would still be my card getting used by someone other than me! And do you think they are going to play the bank a recording where they say the card is going to be used to PAY MONEY IN, and then once they have the card details, he rather hurriedly says that they are going to charge a £60 fee, and then my Mrs. saying that she does not want the service on that basis? Surely even they are not that dumb, they would be incriminating themselves there.

I think the bank would be quite satisfied that what has taken place is not above board? In fact, Barclays fraud team called Loan Spotter already to confirm that I was not in fact a customer of theirs. I was asked by the bank if I was OK with them using my name and postcode during the enquiry to which I gave my permission.

Again, I did not lie outright, I just omitted a few things is all. Come on, this whole thing is about people getting f***ed over by these companies and you are putting me down for getting my money back? Anyone would think from the way you are talking that it was me that had scammed them!

BillJones

cockneysean wrote: »

Did you bother to read the post properly? I don't think you did, did you? Seems to be what to expect from you, and I find it ironic that you are the poster that has replied to me, as you seem to spend all of your time on here making posts attempting to belittle people whilst giving off an air of undeserved superiority!

It's not really undeserved now, is it?

cockneysean

BillJones wrote: »

It's not really undeserved now, is it?

Matter of opinion really...

Anyway, my work here is done. :beer:

cockneysean

Out of interest, I thought I would have a read of the terms and conditions of this outfit very thoroughly.

What do you make of this?

14. In the event that any of these terms (each of which is severable) is for any reason illegal, invalid or unenforceable, such provision is to be deemed modified sufficiently to render it enforceable, legal and valid and of similar effect as We intended. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.

Also this:

3. When You ask Us, orally or in writing, to provide You with a service, You agree to abide by these terms. We acknowledge your instructions expressly or by acting upon them. You can only withdraw or vary your instructions with our consent. We treat You as our Client. We accept no liability or obligation to any third party whether or not You may be acting as their agent, fiduciary or intermediary. Even if You disclose their identity to Us and You are acting in such a capacity, your obligations to Us remain unaffected. We are entitled to act on any oral or written instructions We receive from You or anyone We believe is authorised by You to give them.

I had to laugh at this, as the way I read it is that they are saying that you can only change your mind with their consent? Surely that is not enforceable?

And in 14 are they trying to say that if something is illegal, then the clause I refer to says that you somehow agree to it being legal? I am no solicitor, but the wording seems very very strange. If there is someone better qualified than myself, would they care to decipher this and give an explanation in layman's terms as to what it is that they are trying to say here?

benratty

I sent the form back for the refund and what they dont tell you is you must then confirm the refund on their website. I eventually after checking did this and entered my name as requested and requested a mobile code (which they where supposed to send me but didnt) and when the text came through it had no code on it just blank after the word Code:

I tried several times and still no code, phoned them so they sent me a text saying I would get my money back, 69.99 less £5 fee so £64.99 in 5-7 working days. There website refund sectiom quite clearly states 3 working days.

I have phoned, and no one ever answers if you select refunds, emailed about 10 times and never had a reply, sent about 20 queries through their online web forms and no reply or response.

Stay well away from Loans Direct, they just provide you will a list of lenders and bombarf you with texts with links to other brokers like themselves who also take a fee and in turn this continues to happen. 2 refunds I have had to claim now.

Apples2

You've done your bit, you have requested in writing.

They will never play ball but would choose to string you along hoping you will waste more time and money calling them.

Now use the forms on the FOS website and get them involved, stop messing about jumping through their endless hoops.

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

angrycubeian

I agree. Be careful. These companies seem to prey on the vulnerable. I have been chasing my refund for over a month with this company and still no answer. Even with the threat of going to trading standards. Clearly this company doesnt give a £%$%
I guess it means I have to speak to trading standards

Apples2

angrycubeian wrote: »

I agree. Be careful. These companies seem to prey on the vulnerable. I have been chasing my refund for over a month with this company and still no answer. Even with the threat of going to trading standards. Clearly this company doesnt give a £%$%
I guess it means I have to speak to trading standards

No, it means you speak to the FOS (info is in this thread)