Loan "brokers", and a receipt?

ReggieK

Hi

My partner came to me in a panic earlier, apparently she's been applying for payday loans and signed up to some money brokers :mad:
1. Iloansdirect
2. Mymoneyhelper

Well the above 2 companies took out a total of around £120 from her account this morning.
I see the only way to get a refund is to write to them but you must include a receipt.
The thing is she hasn't got a receipt from them.
Has anyone ever had a receipt from these companies?

She phoned her bank up (Halifax), where the bloke told her to close her account and go find another bank as there'll be many companies with her details who'll keep emptying her account

Tixy

I cannot imagine anyone would get a receipt from these type of companies.

Did she receive any email regarding the fee taken that she could include.
If not then when she writes she could possibly include an extract of her bank statement to show the fee taken, She would need to black out all other information on the statement (balances/transactions/account number etc).

In terms of the possibility of her name being passed to other loan brokers, this does happen sometimes.
Did she provide her bank details or debit card details to the brokers?
I would talk to the bank again to explain no further payments to any loan brokers have been authorised and ask if they are able to ensure that any further payments are not paid and cancel any CPA - I am not sure if they would be able to do that without knowing specific company names which of course she won't know.
If they are unable to guarantee that no further money will be paid out her account then she may want to consider moving banks.

ReggieK

Nope no email, and she hasn't a clue who's she's signed up to.
So her account is now empty, and next Weds when her CTC goes in I guess another random company could snatch it away.

She has 3 bank accounts though:

Halifax current account. This is the one where the money's gone from
Halifax savings account. Could she have her direct debits and CTC transferred to this?
Barclays savings account. This is for child benefit only

DCFC79

No ive never heard of a receipt needed to get the refund from the brokers.

Pixie5740

Where did you get the information that you require a receipt to get a refund? Others who have foolishly entered their debit card detail willy nilly into brokers' websites just need to write (pen & paper) to the companies within 14 days to get a refund minus an admin fee of £5.

I'm not sure why the advisor at Halifax told her to close her account down and go to another bank. Getting Halifax to stop the CPA payments and maybe open a basic bank account with them might be a good idea though.

I hope your partner has learned her lesson from this and will read things before entering her card details. I'd also be concerned about other debts she could be hiding.

ReggieK

I dunno how it's possible to get one, as the first she's known about it is finding her account with £3 in when there's supposed to be £130 in.
So now I've got to find full rent, water, food, tv licence.

Pixie5740

Just Google the company names of those who have taken money from her account and follow the refund process on their websites. It doesn't usually require a receipt.

Alternatively you could look at the browser history to see which websites she visited to enter her debit card details without reading the T&C.

ReggieK

Pixie5740 wrote: »

Where did you get the information that you require a receipt to get a refund? Others who have foolishly entered their debit card detail willy nilly into brokers' websites just need to write (pen & paper) to the companies within 14 days to get a refund minus an admin fee of £5.

I'm not sure why the advisor at Halifax told her to close her account down and go to another bank. Getting Halifax to stop the CPA payments and maybe open a basic bank account with them might be a good idea though.

I hope your partner has learned her lesson from this and will read things before entering her card details. I'd also be concerned about other debts she could be hiding.

On mymoneyhelper it says to get a refund to write to them enclosing a receipt. If you don't have the receipt you can't get a refund.
I think the advisor told her to close her Halifax current one and open another current one at the same place. Not sure he should have said that though, seems a bit dodgy to me.

I hope she has to, I've gone mental as it were and said the companies who con people rely on clowns who don't read the basics. That didn't go down well

Pixie5740

ReggieK wrote: »

I hope she has to, I've gone mental as it were and said the companies who con people rely on clowns who don't read the basics. That didn't go down well

Harsh but fair.

Is it possible that a receipt was emailed to her and is sitting in a junk folder?

ReggieK

Pixie5740 wrote: »

Just Google the company names of those who have taken money from her account and follow the refund process on their websites. It doesn't usually require a receipt.

Alternatively you could look at the browser history to see which websites she visited to enter her debit card details without reading the T&C.

Thanks Pixie, you're a great help
I've asked her which sites she entered her details in but she can't remember so yeah I'll spend the afternoon going through the history and see. I've had a quick glance already but there's pages of it :mad:

ReggieK

Pixie5740 wrote: »

Harsh but fair.

Is it possible that a receipt was emailed to her and is sitting in a junk folder?

This is what I said but she had to go to work at 1130 and didn't have chance to check.
She's back at 130 so I'll ask her then.

Thanks again