payday loans, unauthorised broker payment

dalesrider

ripped_off_welshy wrote: »

I posted my story to try and advise others on how to sort it out quickly. kinda wish I hadnt bothered, but if it helps a couple of people out it was worth reading through your remarks.

Sorry, but where in your 1st post was anything that would help anyone sort it out.

To me sorting something like this out is getting your money back....

Time to trawl their T/C as many have a refund policy within so many days.

ripped_off_welshy

phoning your bank to investigate the visa debit. I had never realised they could do something like that. also I didnt go onto any broker site to read t and c's, my info was used from another site.

EmmaHerts

Ripped Off Welshy- may I recommend you look at the debt free board? It might be really helpful.

Brains64

To be fair to the OP 'ripped off welshy', not all brokers charge a fee, in fact, most don't, I know this for a fact because I've used brokers to find a loan myself, the overwhelming majority do it WITHOUT taking a fee from your card, they do the search for free, they make their money from a commission they get from the lender if the lender decides that you're good business.

The brokers that do charge don't always make it clear and this is what causes this problem, it's quite a common occurrence and many have been caught out just like the OP, it might say it in their T&C's but of course it's a long read and when you've been searching through so many to find the right one your brain starts to shut off and you can't be bothered to read it all, believe me I know, I've been in that situation, you get tired and desperate, you throw caution to the wind, so I understand how the OP got into it, there but for the grace of God so please don't judge folks!

OneLife_OneShot

Once you get sorted you should get pet insurance for the dog incase he/she needs follow up work. Just a helpful thought.

ripped_off_welshy

Thanks Conisme, but hes a 12yr old Rotte, and tried to insure him 5 years ago, it was £43 a month then, which was more than my own!, no body would touch him for it now.

After getting a feel for this site, im sure the decision to save him will now be called into question!

dalesrider

ripped_off_welshy wrote: »

phoning your bank to investigate the visa debit. I had never realised they could do something like that. also I didnt go onto any broker site to read t and c's, my info was used from another site.

And when it comes back with your details on you will be redebited...

Not really help is it. Only means you are back at square one.

Wyndham

It's one of the tough things in life that living within your means doesn't just mean living month to month, but also having a little allowance for when things go wrong. You need to put a little money aside each month for if your dog is ill again, or you'll end up in the same position.

And, at the risk of being sarcastic, Christmas is 25th December each year. I too get paid early in December, but (as I've saved for Christmas) I ignore the money until my usual pay day, so January isn't then a particularly long month.

And yes, costs are going up, and that's true for all of us. I'd suggest you go over to the Debt Free Wannabe board and post a statement of affairs for your income and outgoings. They may be able to help you save on outgoings, which can only help.

Good luck!

tell_it_how_it_is

Agree with the above.

I'd save my dog too, but when there's the likes of pets, cars, kids etc., you'd be best trying to build up a bit of savings over the next few months to fall back on when the unexpected bills hit you.

And if you really do have no choice but to borrow money, ensure it is from somewhere reputable - there are too many places out there simply on the lookout for your money.

FireWyrm

Your dog is not a priority, although it is a decision you made. I wouldnt have done it myself. I love my animals, but at no time do my family go hungry in favor of them. Sometimes, people strive harder than they should to keep their animals alive long beyond what is natural or good for the animal and some unscrupulous vets prey on this.

However, that said. Ask yourself, would you walk down the street asking random strangers if they will give you a loan and flashing your credit/debit card to all who tip you the wink? I suspect not. You were monumentally silly and you should thank your lucky stars that you only got taken for £140. You were refunded because you were lucky, not because the companies have commited any crime or fraud. It could easily have gone the other way and you would still be out of pocket. Take this as a very good lesson not to do what you did, ever.

Now, I usually hang out over at the DFW board. I'm more than happy, if you want to post an SOA, to go through it with you and help you set up a viable and realistic budget for the future. You are living on the edge of survival and you know it. You need to get a handle on your affairs and plan for the future a little so these small disasters in life dont take you quite by suprise. No one is going to hold your hand in life, it's all down to you.

Finally, we all struggle in life. We are all, to differing degrees paying for our previous financial mistakes and I doubt many on here are sitting at home watching Jeremy Kyle of a daytime. That is a as gross a generalisation as the earlier comments on here about people being too stupid to own a computer.

You got a roasting, but only because you posted what (at first glance) appeared to be a story of incredible stupidity and naivety.

Now, take the help that is offered, and come post a real SOA over at the DFW board and let us give you some more helpful and constructive help to ensure you dont face this problem again.