snoid01
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Everything posted by snoid01
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Such as brokers fees, if you had no money in account etc, I don't want to put money in that account now as worried money may be withdrawn from who knows. There's no money in the account right now but as I said I would like to use it again. Can the bank tell me this? I've read about brokers taking multiple amounts etc
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MIssed broker fee, cancelation deadline?
snoid01 replied to snoid01's topic in PayDay loans and Short Term loans - General
Anymore advice, what if bank say they cant help? -
MIssed broker fee, cancelation deadline?
snoid01 replied to snoid01's topic in PayDay loans and Short Term loans - General
So your saying I can demand a chargeback, on what grounds, wont the bank just say, to either contact myloan or that I signed an agreement? -
MIssed broker fee, cancelation deadline?
snoid01 replied to snoid01's topic in PayDay loans and Short Term loans - General
I did try the bank and they said nothing they can do, the money has cleared now. -
Had brokers fee taken from myloan, I don't even remember using them and certainly didn't get any referral or loan as a result of them I stupidly put in my card details thinking they were a lender. So their t & c state 14days to cancel, now it was almost 2 weeks before they took any money and I realised what I must/could have done. Pretty convenient waiting 2 weeks. I've missed my chance to contact them in writing, although I did email them in time, within the 14 days, although as you can imagine, no response from email, do I have any hope, can I show the FSO the email? Total crooks.
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Enhance Financial Services
snoid01 replied to realityman's topic in PayDay loans and Short Term loans - General
So I am in the same boat, just started a topic about it, I never received any loan, I don't even know what site it was but my bank tells me it's Enhance that took the money although the money is still being cleared. I will try bank Monday to see if they are helpful and I have just emailed the FSO. I never received any loan although I would guess they matched me with a lender, tbh I did it in the library and the computers are so slow and block so many sites that even though I must have entered my card details the redirection to a 'lender' would have been blocked, so I received no service from any broker. Hopefully I will get a refund. -
I don't even now what site it was that took my money, as I said they all lead back to Enhance or quintessential finance, so should I contact them, if I were to phone them I would probably end up racking up a phone bill similar to the £69. Do you think the bank will be helpful? Should I write a letter to Enhance, I have their address, chances are they will just reply with, 'you should have read t & c''s' if they even reply.
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So you think a chargeback is the way to go, are they not just going to say, 'you should have read the t & c, so nothing we can do'. And if that fails, should I try an find an email address for Enhance financial or phone them, what are my grounds for a refund?
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Any help here would be much appreciated! So, I deceided a couple of weeks ago to try for a payday loan and was surpsrised to be accpeted with the first(or so ) I tried for. I was a bit desperate, now roll forward a week and I tried for another while still currently having the first, this time I couldn't find anyone, I have some bad credit from the past. So stupidly, and out of a bit of desperation, I just googled 'payday loans' and was trying a lot of what I thought were all lenders, but it seems I must/MAY have signed up to a broker also, I thought I was being careful, which I was, and I certainly don't recall seeing anything talking about a processing fee, but I must have, so I find £69.99 taken from my account. I don't even now what website it was, I now have a TON of junk mail, and have searched through it but don't see anything about a fee being taken. My bank tells me it's from a compain called ENHANCE, which after a google is Enhance financial, also known as Quintessential Finance and maybe another name as their parent lender. They seem to have many 'front' company website names, like myloan.co.uk etc etc. So, is there such a thing as a cancellation period, do I have a leg to stand on, how do I get in contact with them, should I go direct to the parent finance companies(enahnce etc) or do I need to find out what website I 'MAY' have signed up for, although I certainly don't ever recall see anything saying I will be paying £69.99. Anything I can do here, ENHANCE financial is well documented on the Internet and also on this site, some people seem to have been successful in getting a refund -mius £5. Thanks for any help.
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So the rapid reclaim, would this take a while, in other words would you have a gap in your payments, i take it you would lose payments for the time you were abroad and then it would start again from the rapid reclaim.
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Just for a few days...
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It's vaguely said that on their site, I was thinking of pawning a couple of items although no longer have the receipts anyone have any idea?
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On JSA, just finished a sanction but told i can't get crisis loan until after first payment after sanction, won't get money now till next Friday. Electricity will run out today. Do i have any option left, just to top up elec. Also can't get hardship unless your on a sanction. I can get food from food bank, but i will be living in dark at night, which will be a bit of a pain and i won't be able to cook anything.
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How long did you need to wait for the appeal decision, and i take it you put in a reconsideration first which was rejected so also how long did the reconsideration take?
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Can you apply for a crisis loan right when your sanction ends?
snoid01 replied to snoid01's topic in Benefits and HMRC
Thanks, i did think it may be the day after you need to apply, but i've waited 6 weeks, do you think there is no point at all applying tomorrow for a crisis loan? -
Just found a post on here that would suggest you have to wait 2 weeks after a sanction before you can apply for a crisis loan, my sanction ends tomorrow and i don't sign till next week hence i have a week to wait but looks like i won't be able to even apply for a loan, anybody know?
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Totally ridiculous that all those involved in ruining the economy can ever think of taking it out on those really struggling in society. That's not to say that you should remain unemployed forever but bully boy tactics shouldn't be the way to go about it. I certainly hope Labour with a decent leadership get back in in the next election for whatever you think of GB, TB, JP and PM, I don't think you will be able to match their pedigree anytime soon. Considering bankers can't even be sanctioned on their million pound bonuses, yet we can be deprived of food and electricity for weeks on end for missing an appointment, having to scrounge from food banks or soup kitchens, like to see them try it. They're probably eating better in many 3rd world countries than i am at the moment, and I'm happy for them, but this stinks of the Tories elitist ways again.
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Do you have a link for the £31B "backwater". Can you also enlighten us anymore as to why we are not actually as poor as it's made out we are?
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Sad days, must say, i wonder if that's why i have 2 sanctions.
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Interesting, DMA= Decision Making and Appeals? So your saying that they have targets to get people sanctioned and that they target the vulnerable, why would they do that?
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They will most likely say why didn't you phone to confirm. Tbh you need a rock solid reason for the sanction to be lifted.
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What do you mean chaotic state, it told you you had an app and you didn't turn up?
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Nope i went through this with you yesterday(and thanks btw) you wont get HS unless you are vulnerable.
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Sanction finishes next week. But don't sign on again till week after so will be waiting 1.5 weeks(after the start of next week) to get any money. Just wondering though, as have been rejected for a crisis loan in the past, will they not say to you how have you survived during your sanction, which i used food banks and the very little food i had here, also my elec will run out next week. Will they not say well you lasted during your sanction so you can just wait a while longer, what's the best way of presenting your case? Technically i could keep using food banks but i will have no elec soon.
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How long does a reconsideration of a sanction take?
snoid01 replied to snoid01's topic in Benefits and HMRC
Thanks again, are these sanctions a new thing, i take it it's the "old Tories" again, or have they been in for a while? 26 weeks is long enough, might as well be 3 years. So i have been asked to take a course at A4E and then a possible job relating to this new skill, something i wouldn't even have considered, i know within myself that i won't last long at a job at the moment, i technically probably could claim ESA(but maybe not, i'm not sure), so i don't have much choice but to take this course and job. I won't last long in it that is for sure anyway. So what happens then if i get fired or whatever?
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