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Loans Direct - how is this legal?
EastgateAndy
Posts: 3 Newbie
They tout for business through mobile phone texts. If you follow the embedded links, you get drawn into entering details confirming you're identity. You may then get a loan offer, at which point you will see (if you look close enough) some small-font text at the bottom of the page detailing a one-off fee.
I did, and cancelled the application. Now I get a text (while the customer services office is closed for the weekend) telling me they've taken the nearly £70 'membership fee'.
They claim this is all transparent of their T&Cs. It isn't. If you use the website via phone, you are led into form-filling. Even if you cancel the application they use the data you have already entered as proof you became a 'member'.
So how is this legal in 2014?
I did, and cancelled the application. Now I get a text (while the customer services office is closed for the weekend) telling me they've taken the nearly £70 'membership fee'.
They claim this is all transparent of their T&Cs. It isn't. If you use the website via phone, you are led into form-filling. Even if you cancel the application they use the data you have already entered as proof you became a 'member'.
So how is this legal in 2014?
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Comments
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Seems to be covered in the t&cs you tick to say you reaad.0
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Trouble I have is the T&Cs are not the first thing you see on the site, nor do they state a fee is a consequence of providing info which they ask for. Bit like walking into a club off the street with an open door, having a look round and deciding you don't like it, then having to pay to leave.
It stinks in other words.0 -
It's the first thing I saw and I didn't enter any data.
Guess it depends on your approach.0 -
It's not in small print - it right across the home page in large text. They will argue that you must have seen the "We charge a simple one-off membership fee of £69.75" and then chose the click "Join Now"
Have you looked at Questions > Can I have a refund and followed the process for a refund?0 -
Might not be the answer you expected/wanted.
You say you cancelled the application but how did you cancel it ?
The T&C's are at the bottom of the page.
Mention of a fee is on the front page, cant really miss it, its also mentioned in the T&C's.0 -
The fee is on the home page in fairly large text.All that glitters is not gold.0
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I was led to their form entry page via a link on a mobile test, NOT through main site. To be very clear - there was no clear indication that I was joining a paid-for service. I did not search-out Loans Direct and join them.
To be even more clear - I've since had a look on their main web-site and can see the fee mentioned extremely clearly. There is NO WAY I would have missed this.0 -
What was the link to the mobile site?EastgateAndy wrote: »I was led to their form entry page via a link on a mobile test, NOT through main site. To be very clear - there was no clear indication that I was joining a paid-for service. I did not search-out Loans Direct and join them.
To be even more clear - I've since had a look on their main web-site and can see the fee mentioned extremely clearly. There is NO WAY I would have missed this."Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0 -
EastgateAndy wrote: »I was led to their form entry page via a link on a mobile test, NOT through main site. To be very clear - there was no clear indication that I was joining a paid-for service. I did not search-out Loans Direct and join them.
To be even more clear - I've since had a look on their main web-site and can see the fee mentioned extremely clearly. There is NO WAY I would have missed this.
Andy, unfortunately this type of scam happens to hundreds of people every day. You really should have been aware of the consequences of entering your card details. To not be aware is just negligence on your part, no matter what it said on the website.
Next time you need a loan try your own bank, or someone like Tesco or Barclays. Applying for a loan from someone who sent you an unsolicited text message is never going to end well.Hope over Fear. #VoteYes0 -
EastgateAndy wrote: »Trouble I have is the T&Cs are not the first thing you see on the site, nor do they state a fee is a consequence of providing info which they ask for. Bit like walking into a club off the street with an open door, having a look round and deciding you don't like it, then having to pay to leave.
It stinks in other words.
Just what did you think they needed your bank card details for?
Speaking for myself, I've never know anyone ask for card details unless I was buying something."There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock0
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