Yes apparently so, having told them I am ill, they asked for a letter or a sick note copy as evidence Andy

Hi and thank you Andy, I stupidly received and answered a telephone call from Very, the supporting evidence they are after is a doctors letter ! Yet again dx100uk I apologise for merging threads I did look for previous threads but wasn't able to find them, maybe one day I will be more computer friendly and not cause such problems

Hi any help would be greatly appreciated, following advice from here, I have a Payment plan with both of the above and have kept up to date, I now have a letter asking for supporting documentation for my circumstances I'm not sure what this is ? If I cant provide this the plan is canceled, any ideas Thank you in advance

Oh thank you and well done Tawny Owl your a star

Hi all A final update, last Friday I once again contacted Merrywood and like Jonathon, spoke to the same girl, who informed me that I was in a queue, I asked " how long is the Queue ? She responded that I wasn't the only person waiting on a refund, I then told her that I was contacting the FOS and this was the response , go ahead it gives us more time 8 weeks and you will end up waiting a lot longer. Here's what I did rang my bank and told them I wanted a charge back, I explained the situation plus added that I had had advice from FOS 5 minutes later I was told the money would be returned to my account before 6.00 pm that day and it was. But strangely enough today merrywood refunded the money also what do I do ?? Any advice would be welcome. Jonathon please do as I did Merrywood are hoping you will get fed up of there b---l s--t keep at them.

Hi all, At last I have the time to update my situation. Firstly thank you for all the replies and help, without this I wouldn't have known where to begin. So I have very good news. REFUNDS as follows: 4/9 Money warehouse £27.31 4/9 Smile £26.34 5/9 Go Cheap Loans £64.99 5/9 Loans Direct £69.75 11/9 Enhance Finance £69.99 12/9 Loans Plus More £69.99 The one that still hasn't issued a refund is Merrywood, I rang them today and the girl was strangely very polite, having told me last week that I would get it last Friday, (I didn't) she told me today, that she was sorry and to expect it later on this week as there is a long queue, so I will give them until Wednesday and ring if it doesn't turn up, I have to say I don't hold out much hope for this one though. Finally( I am doing a drum-roll ) 17th September refund of £360 from Shopper Discounts and rewards, wow I did not think I would get the full amount and cant believe this went unnoticed, although the reason for this is before I fell into this debt situation, because I had money I stupidly didn't take a great deal of notice as to what was being taken from my account. Johnathon I told each company that I had contacted the FOS, I am more than sure this helped with faster refunds (excluding Merrywood) maybe its worth while ringing My Loans back and saying this to them and add that D/D have gone unpaid due to this, you may get it sooner that 10/10, good luck and let us no how things have turned out for you and like myself, lets make sure 100% that we don't fall into this trap again and ALWAYS read the small print Thank you all once again for all the input and replies, I will update on the Merrywood saga soon

Hi just to clear things up, I applied to the first company thinking instant cash and when the reply came back it was saying they would contact in 24/48 hours as this was no help I went to the next one and got the same response, I made a further 2 applications still blind to the fact theses companies were Brokers, within an hour I was bombarded with 100's of calls and text and at least 40 emails per day, the following day the money started coming out, at this point the penny finally dropped, what a total fool I had been

Hi and thank you so much for the responses, the amount taken today was from Loan plus more, I have contacted them and have to put it in writing for a refund, a few of these companys have free post for these letters , I chose recorded delivery just to help matters, the refunds have been in full, they havent even taken the £5 suprisingly, I have rung Merrywood 3 times today and there not answering there phone and none of them found me a loan as I didnt proceed any further with the hundreds of leads that began hassling me, I have also spoken to the bank ( Nat West) again today who are saying they cant help as I gave my details, ggggrrrrr I am so angry. I Live in Manchester but am currently considering a one way ticket to Timbucktoo :0) seeing you lay things out like that Tawnyowl has made me realise how terrible theses companies are, I feel like I am coping quite well, due to the help and advice on here, but I feel desperation and sadness for others that arent so lucky to be getting support and help Kind regards Tricia xxx

Hi and thank you for your reply's and encouragement.I am going to update my situation and ask for info regarding yet ANOTHER costly incident. Firstly as things stand: 27/8 Loans Direct took £69.75 27/8 My loan took £1.00 28/8 My loan added £1.00 29/8 Merrywood added £1.00 29/8 Go Cheap took £64.99 29/8 Money-warehouse took £27.31 29/8 Merrywood took £1.00 29/8 My loan took £69.99 30/8 Merrywood took £69.95 2/9 Smile finance took £26.34 4/9 Money warehouse added £27.31 4/9 Smile finance added £26.34 5/9 Loans Direct added £69.95 9/9 go cheap loans added £64.99 10/9 I rang the bank today to be told that another company has taken £64.99, this hasn't shown up on my statement as yet, but has definitely gone from my account. I will update further when I no who this is. Well I don't no where to start, following advice from here the 4 company's that have refunded me, have been very good I told them of this stupid situation I have got myself into and that my D/D had gone unpaid including my mortgage, gas and electricity and they more or less gave me immediate refunds, I am still waiting on My loans and Merrywood. My loans have said I should have the refund by Friday, but Merry wood are a different ball game, I have rang several times, I think its the same girl that answers and gives different names, she is so rude.although she is saying I am in a queue for a refund, she will not give me confirmation via email or any other method, that I am actually getting one, today she told me not to ring again and has said that she has emailed me with confirmation ( she hasn't) anyway to cut a long story short I don't think I am going to get my refund, I am so angry and feel so stupid. Whilst on this terrible journey, something else has come to light a company called Shoppers Discount and Rewards have been taking £10 pm from me, I had no idea this was happening, when I rang they told me whilst paying my Freemans Catalogue a popup appeared offering me £10 discount to which I clicked on, as of then I was a paying member,because I have never used this service they told me I could get 3 months money back £30 but when they told me I had been paying this from October 2010, I kicked up a terrible fuss and they have sent me a form to fill in to get the total amount £360 back, my question is has anybody had any dealings with them and is it likely that I will be refunded ? sorry for the ramble In anticipation of any help that can be offered I am signing off Your sincerely The most stupid, idiotic person on the face of the planet

Hi and thank you for your reassuring response, the other companies that have withdrawn money from my account are: Loans Direct Uk, My loans, Go cheap and money warehouse.

Hi i have used this site on a few occasions and would appreciate any advice on the following mess. At present I am on holiday and had a cash shortfall (as always) so I typed in payday loans and proceeded to fill in the required areas only to find I was passed from one company to another all with promise of immediate payment, to cut a long story short as of 27/8/13 I have been charged varying amounts from the following companies Money warehouse Smile Merry wood loans and a couple more ranging from £27 to £69.99. Having looked into this I realise these companies were brokers and these are membership fees, the original amount I needed was £300 well the amount taken out of my account this week has surpassed the £300, I have been reading on here re this so have done the following rang the bank, to no avail as they are saying its my own fault and I willingly gave my details, contacted each company requesting a refund on there Cancel policy although I feel things went to smoothly, I am being bombarded with up to 80 emails a day and 30 phone calls a day. So I have taken advice from here and transferred my remaining money into another account, which is to pay direct debits, yesterday I transferred £30 for a D/D only for Smile to take £28 of it , I have had to cancel a lot of the d/d as I wont have the money to pay them until I get the refunds that I am due, following the horrendous year I have had, this holiday payed for by my parents has turned into a living night mare, any advice would be greatly accepted and appreciated and I apologise sincerly for my total act of stupidity.

Thank you for that, I am such a dumb-ass. I have got the info from the post and emailed them. Regards once again.

Hi IMS21 Firstly Im sorry I hadn't realized I had merged two threads and dumbly I cant find dx advice on this. Sorry to be a pain

Hi Having had lots of advice regarding this, I am hoping for a bit more, I have received the following email and wondered exactly what to send as supporting documents, my situation has got worse ( see other post) Thank you for recent payment on your Isme account. Your account has been with the Specialist Support Team since 2.11.2012 during which time there has been no account interest or administration charges applied to the account. Unfortunately in order for us to continue assisting you with your account we do now require supporting documentation as to your current circumstances, as we have discussed with you previously. A pre paid envelope is enclosed for your convenience. If you require any further information please call on 0844 822 4726 during the office hours shown above. If we do not hear from you within the next twenty eight days we will assume that you no longer require our assistance and that you are able to manage your finances and maintain payments in accordance with your account terms and conditions. However, if you do still require any assistance, it is essential that you contact us, because in the event we do not hear from you, your account will be transferred back through our normal collections process where administration fees and interest may be applied Information regarding your account will continue to be passed to Credit Reference Agencies and no further orders will be accepted until the account has been brought up to date. Any help would graciously be received Many Thanks

Hi and thank you for your responses, I feel a lot stronger now and have been able to deal with things in a more positive way, I have reduced all my payments to creditors to a more realistic affordable amount making things things are a bit easier. Onwards and upwards for me and my children and thank you once again