Pay Day Loan Refund - Alexandra Legal / Claim 4 You

Luzzlie

Hi, wondering if someone can give me some advice. I took several pay day loans when I was younger, I estimate about 15 from 2005 - 2010 / 11. It took me some years but I paid all of them off, I believe the last payment would have been 2016.
I don't remeber all the providers and my credit report shows some, but not all of them on there.
I received a welcome pack from Alexandra Legal, trading name of Claim 4 You. They say the pay day loans should class as irresponsible lending and I should be entitled to a refund. They have sent me a 'form of authority' and a list of lenders and told me to do a form of authority for whoever I think I had a loan with. They will then approach the lender, determine if I had a loan and determine if I am entitled to a refund. Once they know this, they'll let me know and I decide whether or not to pursyue the claim.
During a conversation on the phone today they asked, asked again and made me promise to have my forms signed and sent back to them before Friday this week and it has made me nervous. It felt like a strange thing to say!
I appreciate there is a fee involved using this company (36% inclusive of VAT) but without them approaching all the lenders to determine if I have ever had a loan with them or not I wouldn't have any way of finding out so I'm happy to pay the fee rather than not get anything.
My query is this: has anyone used this company before and can vouch for them? I've checked them out on companieshouse and they are a company, the company numbers match though I think they have previously traded under other names.
I would like to see if I am entitled to a refund for pay day loans but I don't want to send the forms with my information on them without first confirming this is a legitimate company.
Thanks in advance for any help or comments!

[Deleted User]

Don't use them.

They're still getting you to do the work. You need to tell them the lenders so they can fire off a speculative complaint.

Just fire off your own complaint to the same lenders.

Willing2Learn

Hi Luzzlie and welcome to the forum


You don't need to pay a penny. You can make the claims yourself. see the article linked below:
How to get a payday loan refund (with template letters)

If you need any additional support or guidance, then you can always come back to this forum and ask

robber2

36% buys them one hell of a lot of postage stamps and when all said and done sticking a few pro forma letters in the post on your behalf IS ALL THEY WILL DO FOR YOU.



Best advice; put the paperwork in the re cycling bin.


Rob

D_M_E

It's also worth pointing out that, with a lot of similar companies, once they have got you signed up and they have made inquiries on your behalf, if those inquiries come to nothing some of them have been sticking charges on their "customers".

Customersw refuse to pay - after all, they signed up on the promise of "no win no fee" only to find buryied in the T&C's a hidden charge - and after attempting to collect their "fee" have got a CCJ against their "client", pushing them even deeper in debt.

There's been many reports of this on the forums.

See the thread https://forums.moneysavingexpert.com/discussion/5289150/reclaiming-money-back-from-various-payday-loan-companies for a good pointer to doing it yourself for the cost of a few stamps.

glennstar

Stay away from these guys.

In addition to D_M_E's comment about charges (I have no experience of this but don't doubt it) I am also amused at the fact that (and it's likely you were contacted by an agent, or more accurately an affiliate of Claim4u - probably worth checking how they got your details as it's likely you didn't opt in to this sort of marketing) these guys were peddling payday loans 2, 3 or more years ago and have jumped from that band wagon to this one (using the data they collected back then to drive their new venture), following a quick buck at anyones and everyones expense.

The next time they call ask them to complete a Subject Access Request, since March it's free so make sure they don't try and charge you. This should tell you what data they have about you, where they got is from and, more importantly, who they have given it to, along with evidence of your opt in to this type of marketing... which they won't have. You can then send this to the ICO as a breach of privacy.

Complete bottom feeders!