"Loans Direct UK" ...Please help.

cloudsurferuk

Updated result in my case - today received a FULL refund from Loans Direct UK after being promised it for 2 months. Strange that they were informed yesterday that I would be visiting their director at home personally and the very next day I get a refund......

cloudsurferuk

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.

Well as you can see from the last post you are wrong on many points. A) I have now been refunded. B)I know exactly what site passed on my details (i chose not to name them due to ongoing legal matters with them) and that information has been passed to the relevant authorities. C)You assume I have been entering card details all over the shop for loans which is a large, and very wrong assumption. Card details were obtained in an underhand way from one specific business related site.

I see alot of assumptions from lots of different people on here across alot of posts. It must be hard to breathe all the way up there in that rarefied air....

suicidebob

cloudsurferuk wrote: »

Well as you can see from the last post you are wrong on many points. A) I have now been refunded. B)I know exactly what site passed on my details (i chose not to name them due to ongoing legal matters with them) and that information has been passed to the relevant authorities. C)You assume I have been entering card details all over the shop for loans which is a large, and very wrong assumption. Card details were obtained in an underhand way from one specific business related site.

I see alot of assumptions from lots of different people on here across alot of posts. It must be hard to breathe all the way up there in that rarefied air....

At least now you're better educated than you were before you joined.

Hopefully you won't be so stupid enough in future when you're desperate for a loan.

cloudsurferuk

suicidebob wrote: »

Hopefully you won't be so stupid enough in future when you're desperate for a loan.

Yet again another assumption, and a very wrong one. Sometimes its better to stay silent and let people think your stupid rather than type something and confirm it suicidebob.

suicidebob

cloudsurferuk wrote: »

Yet again another assumption, and a very wrong one. Sometimes its better to stay silent and let people think your stupid rather than type something and confirm it suicidebob.

Let's break it down.

You got your money back after visiting MSE.
If you wanted a normal loan you would have gone to your bank, or another respected lender.

That's the facts. You might not like them as the situation reflects badly on you, but you can't really disagree, and keep a straight face.

cloudsurferuk

suicidebob wrote: »

Let's break it down.

You got your money back after visiting MSE.
If you wanted a normal loan you would have gone to your bank, or another respected lender.

That's the facts. You might not like them as the situation reflects badly on you, but you can't really disagree, and keep a straight face.

Point 1 - No, I got my money back after pointing out to the company I would be visiting their Director at home. I posted the information on the OP's post in case anyone else wanted the details of the director.

Point 2 - at what point did I say I was applying for a loan?

As you dont know what I did, who I used or for what purpose unfortunately your "facts" are "assumptions". Just because you say its a fact, doesn't make it so. As someone pointed out earlier, i could say Santa was real, it doesn't make it a fact.

"assumption is the mother of all mistakes" - Eugene Fordsworthe

Apples2

Great coincidence you got your full refund the morning after your story was falling apart.

Even more so that you weren't even looking for a loan and visited no loan related website and didn't enter your details, but they got your details from somewhere else, which remains a mystery.

At least you (or others) have learned not to enter your (or their) details (not that you did though) onto websites who promise loans (you'll have to trust me that they do promise these things as you have never visited one).

At least you have a result, threats of home visits is the rightful way to a refund.

suicidebob

cloudsurferuk wrote: »

Point 2 - at what point did I say I was applying for a loan?

I guess you probably didn't say it explicitly, but again, you do seem keen to withhold quite a few facts regarding your situation.

You 'work in IT' (don't we all), and think you're tech-savvy. You had to do an 'audit trail' to see if you had ever visited that site. Normal people call it checking their browsing history!

You gave your bank card details to someone for some reason, and you visited dodgy loan sites for some reason. It's not a great leap to think you maybe applied for a loan.

You're a little bit embarrassed that you, a so-called 'IT guy', gave away his card details without reading the small print.

Live and learn.

dealer_wins

This all seems a bit "la la" to me

barafear799

Hi,

Sorry to piggyback this thread - but it's on a very similar topic.
I've also read how some of the replies are unsympathetic.
My post really is to ask for some advice on various things.

Ok - how this all happened.

Yes I was looking for a loan - I was on my mobile - so the screen was quite small - not really an excuse.

Anyway - I cannot remember exactly which website I was using - it may well have been a company called Viva Loans - their website appears to suggest they are lenders - but it was by the by - as it was - after I went through the process - I was "passed to another" website - or more than one perhaps - anyway I ended up on Mojo Money website - they had some of my details pre-filled - but asked me to enter my card details so they could attempt a transaction for 10p to verify its validity.

I entered my details.

At no stage did I willingly sign up for them to act as a broker.

After I entered my bank details and the next screen made it clear that they were loan brokers, I closed the browser screen.

Cut a long story short - it was only as an unrelated incident with my bank's fraud dept that they told me this transaction had been approved by their fraud dept and another payment (which I did want to be paid) had been blocked!!

At no stage earlier did I have any idea at all about the fee (£69.99) that was to be charge.

I did "complain" to my bank at the time of this phone call - stating that I didn't want this payment to go through - I had not expressly authorised it - and I wanted to action an immediate chargeback - the lady at the bank told me to contact Mojo and ask for a refund - she said that they'd had dealings with them before and they were very forthcoming and understanding.

So I did a Google search for them - found their website - found their cancellation details - and emailed them.

Got an auto response stating they'd get back to me in 48 hours.

96 hours went past - no reply. So I sent another email.

Another 72 hours - no reply.

So I phoned them - and this is where the fun and games start.

This is the T&C on their website relating to refunds:

We charge the Fee of £69.99 in relation to the Service we provide. The Fee is specified in our Terms and Conditions of Service and our communications with you. If you are not offered a loan by any Participating Lender on the first instance we provide our Service to you, then we will, upon request by you, refund the fee to you.
Cancellations and Refunds
If you decide to cancel your loan or exercise your right of withdrawal, you can do so within 14 calendar days of making your payment at no penalty and without giving any reason. In that case the full Fee will be refunded to yourself.
Requests for cancellation and refunds of the Fee can be requested by calling our Customer Services Department on 0161 6412194 or email us at [EMAIL="customerservice@mojo-money.co.uk"]customerservice@mojo-money.co.uk[/EMAIL] Both the cancellation request and any refund request can also be made in writing to TLBC Limited, 40 Princess Street, Manchester, M1 6DE. To facilitate us processing payments and repayments you authorise us to retain your charge and debit card details.

So my phone call - I can't fault them for being "nice" on the phone - it was more the words I didn't agree with than the tone.
The customer rep told me that if I wanted a refund to my card it would only be for an amount of £44.99 - I asked why - he said something about having to "cancel all the arrangements and relationships with all the potential lenders they'd contacted and set up for me" - he suggested I could have a FULL refund by cheque but it would take UP TO 30 days to be received. I asked why - he said they were done in "bulk" - at this stage I seriously thought it was a wind up - I was somewhere between laughing and crying - but managed to maintain a calm(ish) voice - I then asked to talk to his supervisor (this was after me suggesting that it'd be easier and quicker all around if he just refunded the FULL amount back to my card) - as nice as pie - he passed me through to a "supervisor" - a short conversation with him - not much different in his initial spiel - and the end of the conversation was me "demanding" that I get a FULL refund back to my card - and he agreed - end of phone call. Result!!

However, I was still skeptical - and until I saw the money in my bank account, I was still wary - so today checked my bank account - and hey presto, £44.99 in there.

Why? Why and why again?

Is it really worth me wasting my time contacting them again?
Is it worth or even possible to request a partial chargebank from my bank - the guy on the phone stated they would dispute any chargeback - how long does a chargeback take - not done one before.

Or do I just go straight to the ombudsman?

Any advice much appreciated.

Any criticism accepted.