help needed please

gb12345

maghater wrote: »

Just checked, their credit license checks out, therefore they are registered, and must therefore comply with the Consumer Credit Act of 1974.

All that proves is that there is a legitimate company behind the CCL given on the website. There is no guarantee that the website belongs to that company. As indicated by this from yesterday:

imoneyop wrote: »

A very quick Google of the DPA reg no on the site comes back with a load of hits for various sites all claiming to be part of Elite L & M.

Particularly as the footer text appears to be an image - probably to avoid it being indexed in the search engines.

DCFC79

notamug wrote: »

is there any body i can report this company too....as i intend to hound these theiving !!!!!!!s till i get a refund,even if i have too pay them a personal visit to their office if one exists.
i think this is a hard lesson learnt in the ways of the world of finance im afraid.i think he may be a little more cautious in future when looking to fund a car purchase..

Maybe he needs to think before he hands over his card details in future.

Maybe read the T&C's on how to get a refund.

Nostromo

I know its an old thread but i got an email from this lot today no idea what their going on about bunged it in the spam folder.

"Dear Sir/Madam,

We are receipting of your letter. We are sorry you are not happy with our service, we make every possible effort to ensure you are offered a loan whether that be from our lender list or direct partners within 14 days. As per our terms and conditions refunds are only available after the full 14 days have elapsed and before 30 days of your application, if you have not been offered any form of loan within that time period. This is regardless of whether you choose to take the loan options offered to you or not. Once an application is submitted our unique sourcing software scans the market, then picks out those banks that will accept you based on your details, We also come up with a number of alternatives, amongst a number of reasons this saves you time, the frustration of being declined, being credit checked time and time again and also being charged additional fees. Therefore clients find our services very beneficial.



Unfortunately you are not within the terms and conditions that you have read and agreed to regarding refunds. We can see you were offered a loan. Please see a copy of these below.



Fees & Cancellation

We charge a one off fee (“processing fee”) of up to £89.50 for providing you unlimited access to our unique loan finding service. We do not charge any other fees or recurring fees. We specify the fee as part of our communications with You. By accepting our terms and conditions you are requesting that we provide this service immediately and as such we perform our duties under the contract immediately and that you appreciate that you will therefore not be entitled to cancel this contract within the first 14 days of its conclusion. We will however refund your processing fee in the event we do not find a loan provider for you within 14 days of your application less £5 as permitted underspecified by the Consumer Credit Act 1974. This means that our agreement with you falls outside the usual right to cancel is Reg 11(1)(b) of the Financial Services (Distance Marketing) Regulations 2004 (“FSDM Regs”). All refunds must be requested in writing to: BM LOANPORT, LONDON, WC1N 3XX."