"Loans Direct UK" ...Please help.

cloudsurferuk

Pixie5740 wrote: »

If you didn't give Loans Direct your card details how do you think they managed to get hold of them. I don't work in IT and I'm more tech sketchy than savvy so I was wondering if you were able to figure out which site you went to that passed your details on to Loans Direct. Have you ever used one of these loan brokers before?

They either use URL masking to be passed through from another site without realising "spoofing" or are directly passed details by a 3rd party lead generators. Never used a loan broker but many so-called direct lenders sell information on. I was able to identify the site which passed the information on (which is a separate legal matter) by tracing the timestamps in cookies, history & IP's which is where it can get a bit forensic.

cloudsurferuk

DCFC79 wrote: »

Did you write to said company requesting the refund ?

Have you tried contacting the FOS re the refund ?

Yes, as the post stated they have been promising a refund, in fact for the last 2 months.

I have made a complaint to the FOS/FCA as well as the direct approach I will be taking after finding out Sam Leonard-Williams lives a matter of a few miles away.

Also their registered address is not their office, or close to being so. Its a virtual space for registering companies and getting them a respected london postcode. There is excess of 35000 companies at that address.

There phone number also makes it absolutely impossible to speak to a human, every option from 1-5 plays a recorded message saying to go to the website and sign into your account. Which is difficult when you dont have an account or any login details (and before anyone says reset password, tried that but it would only work if they actually had my email/mobile which as i didnt sign up they dont and it doesnt work).

SnowTiger

Gaz83 wrote: »

I would guess the word "directly" in the "directly signing up with them" part means that he / she has signed up with another company, who have passed their details on.

Maybe, although I'm not sure how legitimate passing along card details in this way is.

If I were the OP and really didn't recognise this transaction I would report it to the card issuer as an unauthorised transaction.

Unauthorised transactions are (very) uncommon, but they do happen. An airline I hadn't used once credited my account with £15.

cloudsurferuk

SnowTiger wrote: »

Maybe, although I'm not sure how legitimate passing along card details in this way is.

If I were the OP and really didn't recognise this transaction I would report it to the card issuer as an unauthorised transaction.

Unauthorised transactions are (very) uncommon, but they do happen. An airline I hadn't used once credited my account with £15.

Passing card details, or any information without consent is not legitimate, however, it happens every day.

Transactions got reported to the bank in my case but Loans Direct write standard letters back saying they have a clear policy on their website which states they charge a fee and have "safegaurds" in place (although the letter stated this was only 10p in the letter due to their error) and because of this the bank says their hands are tied and they couldnt cancel the transaction.

Gaz83

cloudsurferuk wrote: »

Passing card details, or any information without consent is not legitimate, however, it happens every day.

Transactions got reported to the bank in my case but Loans Direct write standard letters back saying they have a clear policy on their website which states they charge a fee and have "safegaurds" in place (although the letter stated this was only 10p in the letter due to their error) and because of this the bank says their hands are tied and they couldnt cancel the transaction.

Mmm, but as you say, the key is 'without consent'.

Somewhere, sometime, you have entered your card details into a website.

That website will, more than likely, have a clause in their T&Cs saying that they can pass your details onto other parties.

Somewhere, sometime, you have ticked a box confirming that you have read those T&Cs.

cloudsurferuk

Gaz83 wrote: »

Mmm, but as you say, the key is 'without consent'.

Somewhere, sometime, you have entered your card details into a website.

That website will, more than likely, have a clause in their T&Cs saying that they can pass your details onto other parties.

Somewhere, sometime, you have ticked a box confirming that you have read those T&Cs.

Correct however, giving consent to pass on details must by an opt-in scenario not opt out they must also be clear not hidden away in T&C's. Its the same as those little checkboxes to "pass information to 3rd parties" which is why the company that passed information is under investigation for doing so.

Apples2

You don't seem to know where they got your details from but seem pretty vague in admitting you HAVE been inputting your bank details onto random websites websites you can't seem to recall.

despite never visiting them or directly signing up with them.

You can wage war on a couple of fronts, either continue with the Data Protection saga or just follow the advice already posted and write in for a refund.

Writing in is only one step of the path of a refund, the second involves the FOS.

SnowTiger

cloudsurferuk wrote: »

Transactions got reported to the bank in my case but Loans Direct write standard letters back saying they have a clear policy on their website which states they charge a fee and have "safegaurds" in place (although the letter stated this was only 10p in the letter due to their error) and because of this the bank says their hands are tied and they couldnt cancel the transaction.

They could put a message up on their webstie saying Father Christmas is real. That doesn't make it true.

It sounds like your bank has done a chargeback, which has been rejected.

It's up to Loans Direct and your bank to prove it was a genuine transaction, not up to you to prove it wasn't.

Follow your bank's complains procedure, then go to the Financial Ombudsman Service if you're still not happy.

SnowTiger

Apples2 wrote: »

You don't seem to know where they got your details from but seem pretty vague in admitting you HAVE been inputting your bank details onto random websites websites you can't seem to recall.

Yes, OP does seem to be skipping around the issue a bit.

I'm not sure whether they're talking about their specific case or in general.

Pixie5740

Gaz83 wrote: »

I would guess the word "directly" in the "directly signing up with them" part means that he / she has signed up with another company, who have passed their details on.

That's what I had suspected and now cloudsurferuk has confirmed that.

It's all very well being able to trace the website or whatever it is he/she has done but next time 1) don't give out your debit card details to get a loan and 2) read the T&C.