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SafetyNet Credit Alternatives

edited 30 November -1 at 1:00AM in Loans
60 replies 54.5K views
1246

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  • BrassicWomanBrassicWoman Forumite
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    Sky_Shrimp wrote: »
    Exactly Pixie!

    Now you get to see what happens first hand to someone that uses SafetyNet Credit from the comfort of your armchair.

    Enjoy the show :D

    I think I deserve a cookie for this. Do you have cookies?

    I think you deserve banning for unsolicitied promotion of a company you work for.
    GC August 20 £149.88/£150 Sept 20 £overspent by £40/ £150 Oct £146.25/£150
  • boo_starboo_star Forumite
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    Sky_Shrimp wrote: »

    I know it's crazy to give your login bank details to a company, but I researched them first and they were there when I needed them at the time.

    It's not just crazy, it's a breach of your agreement with the bank.

    I wouldn't give my login details to anyone. Family members, other banks I have accounts with, anyone.

    Just hope that your indiscretion has gone unnoticed because if you become the victim of fraud, you may find it being used as evidence against you.
  • edited 26 August 2017 at 8:17PM
    Sky_ShrimpSky_Shrimp Forumite
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    edited 26 August 2017 at 8:17PM
    Pixie5740 wrote: »
    Like you managed to find this thread?

    http://forums.moneysavingexpert.com/showthread.php?t=5644147&highlight=safetynet

    Giving your login in details isn't just crazy it's a breach of the T&C of your online banking. Now if there's any fraud involving your online banking your bank are not obligated to refund the money to you. :beer:

    Thanks for linking that thread. IIRC, SafetyNet Credit informed me on the phone that if they lose connection to my bank account, they'll attempt to take a partial repayment if my bank is credited with a sum of £50 or over.

    If I don't want to use them anymore, I'll phone them and cancel my account with them and change my memorable password on my bank account.

    They're there if you've been a total dumby and need immediate funds to see you through a week or two :shhh:
  • zx81zx81 Forumite
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    Hey everyone.

    I post spam - please report me!

    No problem. Done.
  • Sky_ShrimpSky_Shrimp Forumite
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    I applied for a few loans last week and they all asked for my account number and sort code before checking my credit status. I was tricked into an Identity Angel subscription which took £34 from my account two days ago. I knew when they sent me an email with an Identity Angel password that didn't even work. I was worried about going into my bank to dispute the charge as they'll see my SafetyNet transaction and that might trigger a red flag that might make me lose my overdraft facility :(
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  • Richey_Richey_ Forumite
    334 posts
    How can you have been tricked into it, their website could not be more clear what services they offer and their pricing. The clearest I have seen for this type of website. They essentially offer ID monitoring service, they do not put you in contact with lenders,

    How desperate were you for that night out last Saturday that you signed up anywhere giving your card details without looking what you were signing up to ?

    If that was me I'd be following their refund policy https://www.identityangel.co.uk/refund.php rather than reversing transactions which could lead them to taking you to a small claims court and adding lots of fees on. You live with your parents, it's their house then bailiffs would turn up at...
  • edited 28 August 2017 at 7:04PM
    Sky_ShrimpSky_Shrimp Forumite
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    edited 28 August 2017 at 7:04PM
    I've never visited the Identity Angel site. It must have been one of the sneaky check boxes on the loan sites. I don't live with my parents anymore but thanks for the advice.

    I'm paid now and no longer require a payday loan of any kind. I actually borrowed that £100 off a friend in the end and forced him to accept £25 interest which he was uncomfortable with.

    He said, "Why should I accept this extra £25? Would you charge me if I asked you for cash and I was in a bind?"

    "No mate. Just take the £25 and have a drink on me" :beer:
  • PuddylovePuddylove Forumite
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    I would suggest a visit to your GP to talk about things might be in order, Sky Shrimp.
    I don't want to be unkind, but you seem to be lurching from one bad decision 'SafetyNet credit', giving your bank details away thus breaking the T & Cs, signing up to stuff online, giving money away when you don't seem able to afford it.
    It might be wise to chat to someone about mental health, to make sure you get any/all the support you need.
    Good luck in the future.
  • wizzywig27wizzywig27 Forumite
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    Puddylove wrote: »
    I would suggest a visit to your GP to talk about things might be in order, Sky Shrimp.
    I don't want to be unkind, but you seem to be lurching from one bad decision 'SafetyNet credit', giving your bank details away thus breaking the T & Cs, signing up to stuff online, giving money away when you don't seem able to afford it.
    It might be wise to chat to someone about mental health, to make sure you get any/all the support you need.
    Good luck in the future.


    Bit harsh wasn't it? Desperation (although misplaced) is not a sign of mental health issues. If he had of applied for this loan to feed his children, would you be offering the same advice? Yes they are two totally different scenarios, however to someone who is desperate they may make the wrong decisions.


    Not advocating him doing what he has/is doing, simply suggesting your post was a bit harsh
  • wizzywig27 wrote: »
    Bit harsh wasn't it? Desperation (although misplaced) is not a sign of mental health issues. If he had of applied for this loan to feed his children, would you be offering the same advice? Yes they are two totally different scenarios, however to someone who is desperate they may make the wrong decisions.


    Not advocating him doing what he has/is doing, simply suggesting your post was a bit harsh

    Wanting money at any cost for beers and a night out is not desperation, its financial suicide.

    Even if he couldnt feed his kids there are charities, foodbanks etc.

    No one should ever use a company like this under ANY circumstances.
    The instructions on the box said 'Requires Windows 7 or better'. So I installed LINUX :D:D
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