Warning - finance facility

DCFC79

Chubbandh wrote: »

I have just had this company charge £79.95 to my account. They say that they did me a service and played a recoding of me confirming my name. I have never spoken to anyone of their consultants, they are rude and they don't let you talk. I shall be taking this further, I have ordered and inbound call statement from my phone company and I shall be writing an email (as suggested by the FSA, as then you have electronic receipt/copy) they have 8 weeks to reply and if they don't or your not happy go to the ombudsman who will do an individual investigation on your behalf. I know that I read about the charge and took the on-line application no further and this was 4th September they say I spoke to them at 17.18pm that day (which is a tough time of day to take a call for me) and I confirmed all my details. I will dispute this, I realise it'll take a while but I can't afford to loose £80!

Let us know if you do get a response by email, good luck with it.

Apples2

Chubbandh wrote: »

I have just had this company charge £79.95 to my account. They say that they did me a service and played a recoding of me confirming my name. I have never spoken to anyone of their consultants, they are rude and they don't let you talk. I shall be taking this further, I have ordered and inbound call statement from my phone company and I shall be writing an email (as suggested by the FSA, as then you have electronic receipt/copy) they have 8 weeks to reply and if they don't or your not happy go to the ombudsman who will do an individual investigation on your behalf. I know that I read about the charge and took the on-line application no further and this was 4th September they say I spoke to them at 17.18pm that day (which is a tough time of day to take a call for me) and I confirmed all my details. I will dispute this, I realise it'll take a while but I can't afford to loose £80!

the FSA no longer exist, they have been replaced by the FCA and "still" do not deal with individual complaints. Even if they did, here are their instructions:

http://www.fca.org.uk/consumers/complaints-and-compensation/how-to-complain

Step 1: Contact the firm directly

If you have a complaint, it is best to first ask the firm involved to put things right.
Contact the firm involved as soon as possible. It is usually best to write to them so you have a record of what you say.


Step 2: Make the complaint yourself



Step 3: Contact the Financial Ombudsman Service

At some point, you gave out your banking details, the details which are only ever used to pay for something. Best not to do that again unless you wish to pay for something.

Best to write a letter to them, I'm sure the Important exclamation mark in an email will send shivers to them but alas, has probably been deleted already.
Someone who can't be mithered posting a letter is hardly the sort to chase this to a refund winning conclusion.

finlux

i am in trouble with this finance facility they wont cancel my application i am a pensioner it is making me ill you cant contact them keep you waiting for long periods on phone they are going to take 79pnd out of pension please avoid them like the plague they are con merchants i am disabled and cant get to citizens advice please i warn every body about this company

DCFC79

finlux wrote: »

i am in trouble with this finance facility they wont cancel my application i am a pensioner it is making me ill you cant contact them keep you waiting for long periods on phone they are going to take 79pnd out of pension please avoid them like the plague they are con merchants i am disabled and cant get to citizens advice please i warn every body about this company

Did you write to them requesting a refund ?

Give them 8 weeks and contact the ombudsman and file a complaint.

missprofit

finlux wrote: »

i am in trouble with this finance facility they wont cancel my application i am a pensioner it is making me ill you cant contact them keep you waiting for long periods on phone they are going to take 79pnd out of pension please avoid them like the plague they are con merchants i am disabled and cant get to citizens advice please i warn every body about this company

If they have not taken the money from your account yet, then you need to contact your bank immediately and stop the payment from being processed. Your bank will understand, but this may involve cancelling your card altogether... better that than the potential theft of £79.00

Apples2

missprofit wrote: »

If they have not taken the money from your account yet, then you need to contact your bank immediately and stop the payment from being processed. Your bank will understand, but this may involve cancelling your card altogether... better that than the potential theft of £79.00

Cancelling the card is no good, the payment has already been agreed and will be honoured.

It isn't theft either, if you walk into a shop and buy something, have they also stolen money from you?

missprofit

The reason for cancelling the card is because your details will have been sent to multiple companies ( some that also charge) , so cancelling the card will prevent further unauthorised charges.

If the payment has not been processed you have the right to cancel it (confirmed by my bank).
Also, if I walk into a shop and they take my money before I have bought something then yes that is theft.

This is what is happening in most all cases.
They say they will collect the money within 60 days yet apply for payment almost immediately, without providing any details of the so called membership.

SabreSheep

About time every victim conned contacted watchdog. About time they were closed down. Abusing vulnerable people is outrageous

DCFC79

missprofit wrote: »

The reason for cancelling the card is because your details will have been sent to multiple companies ( some that also charge) , so cancelling the card will prevent further unauthorised charges.

If the payment has not been processed you have the right to cancel it (confirmed by my bank).
Also, if I walk into a shop and they take my money before I have bought something then yes that is theft.

This is what is happening in most all cases.
They say they will collect the money within 60 days yet apply for payment almost immediately, without providing any details of the so called membership.

If a CPA is in play then it might not be as easy as canceling the card and thinking thats it they wont get the money, the CPA needs to be cancelled by yourself by asking the bank to do it.

squarebanana

yep silly me got duped, i lost the money same thing same way.

There's no point going over everything what i did and how i can claim my money back etc.

What i want to know is how a company can carry on trading when misleading people like this, this is the art of deception taken to its highest form, they are relying on habitual behavior of people not reading the T&C's to create a way of taking money from them, and that in itself should be illegal.

I can't believe they're still being allowed to trade.

SB