Loan Processing Fee - Smile Finance

RuthnJasper

M.Tucker wrote: »

Hehe, actually it was at the head of the pile, it's popping up not being dragged
That ringing will stop when you stop forcing the cotton buds through resistance, it's in you, you can do it...
It's not a holiday, that level of sarcasm deserves it's own thread, or rope, and a lamppost

Eh?!? I apparently have an IQ of 159 (nothing to boast about; I'm not proud of it)... but I cannot make out this post at all...

Perhaps the apocryphal cotton bud was inserted a little too far down the literal Tucker ear-hole...?

I also saw no rudeness from Apples - just the blunt and honest advice from one who has seen this scenario pop up and go inevitably (and without exception) t*ts-up for posters asking for advice time and time and time and time again (repeat ad infinitem...) :wall:

dealer_wins

Come on M.Tucker, reveal your previous username(s). We will forgive you if you come clean and apologise for spouting nonsense... honest!!

gb12345

RuthnJasper wrote: »

Perhaps the apocryphal cotton bud was inserted a little too far down the literal Tucker ear-hole...?

I'm guessing he'll be back tomorrow - he's probably had his hot milk and mummy has tucked him up in bed for the night with teddy.

fozmcfc

Oh Tucker, I read it as something else.

Clive_Woody

M.Tucker wrote: »

You were properly sold yours? :0

I got it on BOGOF very MSE.

amazingly

Hi there,


I am contributing to what appears to be an old thread, however; this independent loan company have taken three separate sums of money from my partner's card, and have only just refunded him once on one amount of £36.35 - clearly the fee of £26.56 has shot up since 2013 if reading the older posts is anything to go bye. They still are yet to repay him 2 x £35.43 and have reported them for unauthorized activity when my partner had not signed nor agreed to further fees being taken - the company do not respond to emails, promise you refunds over the phone, but do not deliver their promises to repay - not without going to extraordinary lengths' of contacting consumer action etc. and/or the Office of Fair Trading.


I also believe that Smile Finance operate as several loan search providers as have had £39.99 taken from my Visa Debit by a company called LoanMarketing.co.uk - they possess the very same business address details as Smile Finance (often) how these loan operating directives work.


I am at my wits end not knowing what to do next about getting both our monies back, as neither of us received a loan and no fees apparent during the application process. I reported both situations to Consumer Action that the Citizens Advice now run as well as the Financial Services Authority; they do not regulate some independent services; Smile Finance being one of them.


My partner had to report the matter to his bank and they felt it to his best advantage to report his Visa Debit card as 'lost' and have re-issued a new one so that no further money can be taken out by Smile Finance, who paid back just one of the three fees back to his bank using BACS - they therefore must retain bank account details in their system, so can make transactions to anyone's bank account to and from etc.


Other than reporting fraud, and consumer action; how else and what else can be done so that we both receive the outstanding amounts back to our bank accounts; these joint loan companies are operating?.


Any positive advice is very welcome!

redcard

amazingly wrote: »

Any positive advice is very welcome!

Spend 30 seconds on Google before using unscrupulous loan companies?

DCFC79

redcard wrote: »

Spend 30 seconds on Google before using unscrupulous loan companies?

Coupled with don't give out card details like confetti.

poppasmurf_bewdley

amazingly wrote: »

Any positive advice is very welcome!

Read their Terms and Conditions thoroughly and follow them, especially:

5.1 Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us. In this event We will refund your fee within 7 working days of the date on which We receive your written request to cancel your application. Any such requests should be made to: SmileFinance, Metropolitan House Station Road, Cheadle Hulme, Cheadle, Cheshire, United Kingdom SK8 7AZ or email customerservice@SmileFinance.co.uk .

Write to them Recorded Delivery and give them four weeks. If they do not refund all your money, make an official complaint to the FCA. This will cost the company several hundred pounds in fees.

http://www.fca.org.uk/