Halifax MYLOANS chargeback issue

[Excellence20]

Hi there

 

I've recently had a charge to my bank account from a MYLOANS (with a long number attached) for £69.99. Upon further investigation I find out through the internet that it's a 'broker fee', I did not and would not ever accept charges like that to my bank account.

 

So I phoned Halifax today regarding the issue and they say they can't do chargeback on Broker Fees which to me sounds ridiculous because I didn't request a service or receive one and I was still charged so this is fraudulent!

 

My question really is where do I go from here? I've seen comments on similar forums saying I should be demanding chargeback and not requesting it, seen as how my debit card is a VISA there's no problem there I assume.

 

Thanks in advance!

[BRIGADIER2JCS]

Hi Welcome to CAG,

 

Have you at any time sought a loan on line, accepted for on or been declined?

[Excellence20]

I have done previously but not through this company.

[fkofilee]

I have done previously but not through this company.

 

You need to send a written letter in denying you agreed to any charge being taken by this company etc etc.

 

Thats pretty poor from Halifax's side... I think there is a way around this

[Excellence20]

I may try to escalate this further tomorrow through phone see if that gets me anywhere but I'll definitely be writing out a letter to both Halifax and this My Loans company.

 

It even says their website is down or not recognised, I really couldn't think why... Shower of s*** bags!

[BRIGADIER2JCS]

Check credit reference files searches may show!

[Excellence20]

Sorry I'm not quite sure what you mean? As in if I look on a credit check website it'll show or credit reference files will be reviewed or something?

[BRIGADIER2JCS]

Yes any loan app will generate a search on credit reference file..

[Excellence20]

But as far as I know this wasn't a loan application rather a service application? A service I never received rather.

 

Still I'm going to try my bank tomorrow and send these letters out, it's beyond belief how they get away with this.

[BRIGADIER2JCS]

Also a credit file check my show up possible bogus applications in your name, well worth doing.

[Excellence20]

Ah thank you very much , I'll be sure to look into that.

[renegadeimp]

You may have to make a formal complaint. Halifax are notorious for not following the rules.

[Excellence20]

You may have to make a formal complaint. Halifax are notorious for not following the rules.

 

I see, I'll try and escalate it with Halifax see what they say but main priority is My Loans I guess.

[dx100uk]

MYLOANS are well known here

 

What has happened is you went to a website that was acting as a broker (you either didn't read the fine print or they have ripped you off)

- http://www.oft.gov.uk/news-and-updates/press/2011/15-11

http://www.oft.gov.uk/news-and-updates/press/2012/15-12

you need to report them to the OFT

 

and DEMAND a chargeback from HALIFAX

 

do it now via their phoneline

 

dx