smile finance took a fee

[michphil]

Hi,

I looked at my bank account 2 days ago to see that a company called smile finance have took £26.34 out of my account. I have never heard of this company before and I do not know why they have took this money from my account. I have tired to get in touch with them emailed them twice still nothing. I have even threatened to go to the police about this. Can anyone tell me how do I get this money back. I have not given anyone permission to take money from my bank nor have I ever spoke to them. Because they took this money I have now got bank charges of another £25.00. I have spoke to my bank and they said there is nothing they can do. Surely there is something I can these robbing gets will not get away with this. I just need some other ideas how to get it back. Thanks

[Kaiserfarrow]

If it's a direct debit, and you have not given them authorisation, you should be able to reclaim the amount by indemnity through your bank. This is part of the direct debit guarantee, and your bank should know how to do this.

 

In terms of any consequential loss in relation to fees incurred, you'll need to contact Smile. Do so in writing/via email - which I see you have done, so is a good start.

 

Others should be along to advise further.

[michphil]

Thanks it was not a direct debit someone has used my card details and I am finding it hard to get hold of someone at this company smile.

[Kaiserfarrow]

£26.34 is their fee for applying for a loan on your behalf - assuming you haven't applied for anything recently?

 

If you're card is a VISA, you might be able to do a chargeback via your bank - and open up a fraudulent transaction query - else call them on 0844 7391162 and ask for an address to send a recorded delivery letter to, if you'e getting no response via email.

[michphil]

Hi,

No I have not applied for anything at all I had never heard of these people until I noticed this debit on my account I have tried all ways to get in touch with them but I have not had any luck yet and in the mean time I have been left penniless now until my next pay day my card id MasterCard debit and I have been told I can not get the money back unless this company gives it me back

[Kaiserfarrow]

I can see from your other posts that you've applied for loans using other fee-chargeable loan brokers, and successfully had an application fee refunded previously. Could you have applied through a company that then referred through smile, passing on your card details?

 

See this thread:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?386959-Who-are-Smilefinance.co.uk-They-ve-just-taken-%A326-from-me...

[Franke3278]

Thanks it was not a direct debit someone has used my card details and I am finding it hard to get hold of someone at this company smile.

 

Hi I do not know if you have had any success but try this number 08006906860, did the same to me on the 30th July phoned told them the problem e-mailed a refund request form.

[michphil]

Hi,

Yes I have had success with the company they tried to keep some of the money they took out but I had told them that I would take it further if they did. They emailed me the same form as yourself and I printed it off filled it in scanned it and sent it back within minutes . All my money was back in my bank account within 3 days. Good luck and don't let them keep any of your money x

[thekisan]

I don't know if you have resolved this, but here are some details of the company if anyone needs them -

They operate under various names MyMoneyGroup, Buddy Loans, Smile Finance, Money Warehouse and LifeQuotes4U are all the same company.

 

Address and phone numbers for their offices if anyone needs them, all numbers go to the same offices under their different company names -

 

Metropolitan House Station Road

Cheadle Hulme

Cheadle

Cheshire

United Kingdom

SK8 7AZ

 

Telephone numbers - 0800 690 6860, 0161 486 4809, 0800 002 9954, 0161 850 0286, 0161 486 4827

 

The office managers/owners names are Diane Wade, Guy Mackenzie, Nick Zapolski