NO worries loans

[meandbex]

I am not happy that money has been taken out of my account £79.95 today. I made an enquiry last week regarding a loan to which the girl wanted my debit details. I asked why and she said it was to prove where I lived.

A week later I got a call saying if I wanted to go ahaead and I said no. She asked why and I said I no longer needed the loan and I wasn’t happy to pay the £80 fee.

She asked me to hold as she would put me through to a department whereby I wouldn’t have to pay the fee. I explained again that I no longer wanted to a loan. Today I find out that my account has been debited and I now cannot pay my mortage which is under a suspended suspension order.

I called No worries today and was told that it will be Tuesday until someone from accounts will be in, and that it will be 72 hours to listen to the call.

Absolute tossers- does anyone know what i can do? Report it to the police? my bank?

[cerberusalert]

Contact your bank and demand that the monies are recalled & returned under the BACS customer guarantee scheme. Direct Debit - your customers rights

[meandbex]

i just called them and they say they have no power to do this and the money was cleared yesterday afternoon. She said that beacuse i gave them my details i have technically given them permission

[cerberusalert]

They do have the power. Did you read the link I posted BACS LINKY

[meandbex]

i will call them again

[cerberusalert]

If you don't get any sense from them contact BACS

Contact Bacs via the Helpline number: 0870 049 2717 (please note that this is a national rate number and calls will be charged at standard operator tariffs, the Helpline is available 9.30am to 5pm, Monday to Friday, excluding Bank Holidays). Before calling, please ensure that you have all the relevant details at hand, including your bank account details and full dates and details of all communications with the bank and company with whom the Direct Debit was raised. We will then investigate on your behalf, via internal banking channels, responding to you within 48 hours.

[cerberusalert]

Your bank or building society is key to resolving any Direct Debit issue. As part of the Direct Debit scheme they are bound by the Direct Debit Guarantee. Under the Guarantee it is up to them to resolve any issues that you have over a Direct Debit and also to repay any money owed to you as a result of a Direct Debit problem.

Linky

[Andy01]

I would write the same letter to FOS or speak to them on tuesday . they will listen to you and fill an application on the phone and will give you you ref no. You will get your money back as soon as they fax the document to your loan company. Its happened to me and i got my money back into my account within a week. So bear in mind you will still have the short fall for your mortgage unless you can send them the same.

 

I am not happy that money has been taken out of my account £79.95 today. I made an enquiry last week regarding a loan to which the girl wanted my debit details. I asked why and she said it was to prove where I lived.

A week later I got a call saying if I wanted to go ahaead and I said no. She asked why and I said I no longer needed the loan and I wasn’t happy to pay the £80 fee.

She asked me to hold as she would put me through to a department whereby I wouldn’t have to pay the fee. I explained again that I no longer wanted to a loan. Today I find out that my account has been debited and I now cannot pay my mortage which is under a suspended suspension order.

I called No worries today and was told that it will be Tuesday until someone from accounts will be in, and that it will be 72 hours to listen to the call.

Absolute tossers- does anyone know what i can do? Report it to the police? my bank?

[meandbex]

called No worries again no joy

 

Called Bacs helpline who said i need to call bank again

 

Called bank but they cannot help over the phone and have to go in personally

 

BUT, checked my statement today and I have also had a FURTHER £67.50 taken out of my account by a company called THE LOAN CENTRE

 

I do not know who these are and cannot find anything online about them.Anyone know who they are?

[cerberusalert]

The Loan Centre Ltd according to this;

Company Name: THE LOAN CENTRE LIMITED

 

Print Report

 

 

Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

 

Registered Number: 05735381

 

Registered Office: 39 WINTERBOURNE ROAD, HAYDON END

SWINDON

WILTSHIRE

SN25 1PZ

 

Incorporation Date: 08/03/2006

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 31/03

Last Accounts Made Up To: 31/03/2009

Next Accounts Due: 31/12/2010

 

Last Annual Return: 08/03/2010

Next Annual Return Due: 05/04/2011

 

Company Status: Active

Type of Accounts: DORMANT Accounts

 

Nature Of Business: 6523 - Other financial intermediation

 

 

Filing History

 

 

06/04/2010 08/03/10 FULL LIST

06/04/10 STATEMENT OF CAPITAL;GBP 100

06/04/2010 APPOINTMENT TERMINATED, SECRETARY EVA ROGNER

06/04/2010 DIRECTOR'S CHANGE OF PARTICULARS / MAUD MARIE ELISABETH HARTWELL / 02/10/2009

30/01/2010 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/09

12/03/2009 RETURN MADE UP TO 08/03/09; FULL LIST OF MEMBERS

26/01/2009 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/08

16/04/2008 RETURN MADE UP TO 08/03/08; FULL LIST OF MEMBERS

13/09/2007 REGISTERED OFFICE CHANGED ON 13/09/07 FROM:

G OFFICE CHANGED 13/09/07

THE SOUTHWEST BUSINESS CENTRE

LTD QUEENS GATE HOUSE

48 QUEEN STREET EXETER

DEVON EX4 3SR

11/09/2007 RETURN MADE UP TO 08/03/07; FULL LIST OF MEMBERS

11/09/2007 DIRECTOR'S PARTICULARS CHANGED

02/06/2007 ACCOUNTS OF DORMANT COMPANY MADE UP TO 31/03/07

02/06/2007 REGISTERED OFFICE CHANGED ON 02/06/07 FROM:

G OFFICE CHANGED 02/06/07

14 EVEGATE BUSINESS CENTRE

STATION ROAD

SMEETH, ASHFORD

KENT TN25 6SX

08/03/2006 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgage Data

NONE

 

 

 

 

Report Generated 01/06/2010

Have you been in touch with FOS yet?

[meandbex]

cheers-i have not yet contacted FOS

 

I have been into my bank to do a direct debit indemnity claim. The bank cannot or wil not do anything as it was not a direct debit but a debit card transaction which according to them i gave out willingly.

[Andy01]

FOS is the only way out when you explain your situation and complaint as in #1 in my MHO

[meandbex]

gonna contact em tomorrow

[meandbex]

contacted FOS this morning.Really helpful they was. Took all the details down and emailing me with complaint form. Once recieved they will contactthe companies concerned.

 

Andy01 thanks for your advice

 

Will update thread when i hear anything or resolved actions.

[cerberusalert]

Hopefully you'll have your money back within the week.

[42man]

This is a shocking story....please make sure you report them to trading standards and the OFT. If it was me I would write to the MD giving them 7 days to refund your money + an indemnity award or you would take them to court...

[uptoeyeballs]

I've been caught by The Loan Centre too for £67.50.

 

Basically they do nothing but give you links to companies that will not lend to you.

 

No phone number on the website, email form gets no response.

[Andy01]

You should complaint this to FOS, like Meandbex did, too it doesn't matter how old is your claim as long as you have all the details to give. You got nothing to loose.

[uptoeyeballs]

You should complaint this to FOS, like Meandbex did, too it doesn't matter how old is your claim as long as you have all the details to give. You got nothing to loose.

 

 

Complaint in post tonight. These guys need to be shut down.

[meandbex]

I've been caught by The Loan Centre too for £67.50.

 

Basically they do nothing but give you links to companies that will not lend to you.

 

No phone number on the website, email form gets no response.

 

Hi Pal, when i found there site and applied it was not clear to me at all that i would be charged for joining there website.In fact thats what threw me when i saw my statement as i did not recognise the company but only afterwards when i looked on the internet

 

As the guys above have said, complain to the FOS. Really helpful they are. I have taken screen shots of their website and sent them to the FOS-their website states "no upfront fees"

 

In fact there is nothing, that says a fee of £67.50 will be taken.

 

their email address is

help@loan-centre.net

 

 

 

 

Edited June 4, 2010 by meandbex

[uptoeyeballs]

Hi Meandbex,

 

Complaint already in!

 

The guy behind this, David Van Praagh, also appears to run Easyborrow Ltd.

 

So, be careful folks.

 

uteb

Edited June 4, 2010 by uptoeyeballs
Removed link to his site, in case it helps him

[Andy01]

Hi M you can print these pages in colour and attach with your complaint. Company like these needs to be confronted and shut down for ever. Now wonder elderly and desparte people looking for help by borrowing but end up with more problems. Go all the way and make complaint to every financial aouthority.

[meandbex]

i still have not heard anything at all from the FOS!

 

Tried No worries last week promised a call back which i did not get. Trying to get through to them as i type this!!!!!!!!!!

[meandbex]

after being on hold for 55 minutes I spoke to a supervisor who said that according to the transcripts i approved authorisation for the money to be taken out!!!!!!!!! Lying prats!

 

I asked how on earth had i given permission for my account to be debited, and she replied when you gave your card details of which i stated that you requested that in order to prove my identity.

 

They said if i wanted a printed out copy of the call then I must pay a fee of £10!!!!!!!!!!!!!!!. They then said that i had to write in if i wanted to cancel the application and have my money returned!!!!

 

Idiots they really really are and i am fuming.

[42man]

You make a formal request for the money back...do it in writing and send recorded delivery, if they fail to return it within 7 days, then take a case out with the FOS....bear in mind that the FOS charge them £450 just to investigate the case.....