SGE Loans broker - £79.99 Fee **REFUNDED by bank**

[funjenuk]

I to just had a email from them saying that im out of the 14 day thing that they wont give my money back

 

ive now lost £79 99 bet I cant get that back ow im broke till payday to

[funjenuk]

they still wont give me my money back as

 

they say they conunted that day when I took it out

 

when I dident hopping my bank will get it back as broak now till next Friday

 

they just took my money Friday but they still wont give it back

[slick132]

Hi Funjen,

 

If you want advice on this matter, give us a little more info, like why you were speaking to them, what they told you, what you agreed to, etc

 

Also tell us if they've done anything without your knowledge, or your agreement.

 

If this matter has left you short of money to survive on, you can phone the FOS and make an urgent complaint, saying this has left you with little or nothing to live on. But give us more info first.

 

[funjenuk]

this is what the said to me:

 

 

Good afternoon,

 

On all loan application phone calls the Premium Service is promoted and all customers are made aware of the charge for this.

 

An automatic E-mail with the terms and conditions is then sent to all customers on completion of the application.

 

This includes all information about the Premium Service including the charge, and the Terms and Conditions.

 

As the above is true then we stand by the decline decision.

If you are still unhappy with this decision then please reply informing us of this and we can escalate your query to a Level 3 complaint.

 

Once we do this the Compliance Manager will contact you to arrange a satisfactory outcome.

 

Should you wish for your loan application or any other service that you may have ordered to be cancelled you must do this separate

 

NOTICE & DISCLAIMER:

This email (including attachments) is confidential. If you have received this email in error please notify the sender immediately and delete this email from your system without copying or disseminating it or placing any reliance upon its contents. We cannot accept liability for any breaches of confidence arising through use of email. Any opinions expressed in this email (including attachments) are those of the author and do not necessarily reflect our opinions. We will not accept responsibility for any commitments made by our employees outside the scope of our business. We do not warrant the accuracy or completeness of such information

 

i have sent that to watchdog to

[funjenuk]

is there anyway you can help me get my money back from them

[slick132]

Hi Funjen,

 

New thread started for your case here.

 

Is post #4 above what was said in a tel con, or sent by email.

 

[funjenuk]

this is what they said to me

Good afternoon,

On all loan application phone calls the Premium Service is promoted and all customers are made aware of the charge for this. An automatic E-mail with the terms and conditions is then sent to all customers on completion of the application. This includes all information about the Premium Service including the charge, and the Terms and Conditions. As the above is true then we stand by the decline decision.

If you are still unhappy with this decision then please reply informing us of this and we can escalate your query to a Level 3 complaint. Once we do this the Compliance Manager will contact you to arrange a satisfactory outcome. Should you wish for your loan application or any other service that you may have ordered to be cancelled you must do this separately.

Kind Regards,

John

Customer Services Team

NOTICE & DISCLAIMER:

This email (including attachments) is confidential. If you have received this email in error please notify the sender immediately and delete this email from your system without copying or disseminating it or placing any reliance upon its contents. We cannot accept liability for any breaches of confidence arising through use of email. Any opinions expressed in this email (including attachments) are those of the author and do not necessarily reflect our opinions. We will not accept responsibility for any commitments made by our employees outside the scope of our business. We do not warrant the accuracy or completeness of such information.

On Mon, Oct 14, 2013 at 9:33 AM, FunjenUK wrote:

FunjenUK i did not agree to any services please refund my money as you had no right to take it i can also see you have had a lot of complaints you done the same to them and i to have named and shamed you on facebook

Edited October 14, 2013 by slick132
removed personal data !!

[slick132]

Hi Funjen,

 

Ok, I now see this was an email.

 

I've removed your personal contact data and postcode from the post as you must always keep such data hidden.

 

I suggest you call the FOS in the morning and make an urgent formal complaint, seeking a full refund on the basis of Hardship that this is causing you.

 

[funjenuk]

i also have group 2 diabetise which i have tablets for so need money they took for food how do i get in contact with them?

[slick132]

Hi Funjen,

 

Follow this link to the FOS contact details - http://www.financial-ombudsman.org.uk/contact/index.html

 

If you are suffering Financial Difficulty, tell them.

 

[dx100uk]

type in £69.99 in our search of the grey toolbar top right.

 

you CAN get your money back from your bank

 

you were spoofed:

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa [now the FCA] 11:24 31/05/2013 guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

and

Attach the following to your claim and in the interim period write to your bank and attach the following (Keep a copy)

Regulation 55 of The Payment Services Regulations 2009:

55.—(1) A payment transaction is to be regarded as having been authorised by the payer for the purposes of this Part only if the payer has given its consent to—

(a)the execution of the payment transaction; or .

(b)the execution of a series of payment transactions of which that payment transaction forms part. .

(2) Such consent—

(a)may be given before or, if agreed between the payer and its payment service provider, after the execution of the payment transaction; and .

(b)must be given in the form, and in accordance with the procedure, agreed between the payer and its payment service provider. .

(3) The payer may withdraw its consent to a payment transaction at any time before the point at which the payment order can no longer be revoked under regulation 67.

(4) Subject to regulation 67(3) to (5), the payer may withdraw its consent to the execution of a series of payment transactions at any time with the effect that any future payment transactions are not regarded as authorised for the purposes of this Part.

This means that you can simply ask your bank to refuse the payments, it is also good practice to let the lender know too.

So, if you would like your creditor to stop trying to take a payment all you need to do, in theory, is to inform them that you remove their authority. It's probably better to do this in writing and via recorded delivery - if possible.

You can learn more about your rights via the following fsa guide :

Ending recurring payments from credit cards

57 Recurring payments, is the term used to describe transactions for which a client has granted written permission for her/his credit or debit card to be debited for recurring goods or services, for example, club membership subscriptions, insurance cover or payday loansicon. The card may be debited annually, monthly or at other regular intervals.

.

58 In most cases, recurring payments can be cancelled by telling the trader taking the payments. However, a client has the right to withdraw consent by simply telling whoever issued the card (the bank, building society or credit card company) that s/he does not want a payment to be made. S/he can tell the card issuer by phone, email or letter.

.

59 The card issuer has no right to insist that the client ask the trader to stop taking the payment first. The card issuer has to stop the payments if the client has asked them to. The client could point out to the card issuer that they should follow the FSA guidance available in the FSA know your rightsicon booklet which is available on the FSA website at www.fsa.gov.uk.

.

59a If money is still taken from the client's account, it will be deemed to be an unauthorised transaction, and the card issuer must give her/him an immediate refund. The card issuer will have to cancel any interest and charges added to the her/his account because the payment was taken. It is not up to the client to prove that s/he told the card issuer to stop taking payments. Instead, the card issuer would have to prove that s/he did not tell them to stop making payments.

.

60 The client should make a complaint to the Financial Ombudsman Service when all the internal complaints systems within the company issuing the card have been exhausted.

I hope this information is of assistance

 

New june 2013

 

Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.

Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement

by contacting their card provider, the Financial Conduct Authority said.

The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)

due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.

 

CPAs, which are also commonly called recurring transactions or recurring payments,

are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.

 

Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by mistake following cancellation by a customer the customer will be refunded immediately.

 

In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.

 

Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.

 

“We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue. From now on we expect them to be getting this right. In addition, they have committed to review past complaints.”

 

http://www.ftadviser.com/2013/06/28/regulation/regulators/fca-banks-have-to-cancel-recurring-payments-if-requested-UxbeHUuYQIy0SEYbGRE4tJ/article.html

[Tawnyowl]

Hi funjenuk

I will put some info on for you about Chargeback.It may be useful.

 

http://www.which.co.uk/consumer-righ...se-chargeback/

 

So you go into the bank and ask for a chargeback.

 

 

Chargeback troubleshooting

 

If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.

Chargeback is not very well known about and some bank staff may not be aware of this rule.

If your card provider rejects your chargeback claim, you can take your case to the Financial Ombudsman Service within six months of your final correspondence.

 

Also you may not need this bit others may, a letter template.

http://www.which.co.uk/consumer-rights/action/letter-to-make-a-chargeback-claim-/

 

As you are ill,this i feel as others say is no doubt about it,urgent.

They took the money you needed for food.

I certainly would be asking to speak to a supervisor at the bank.

Do not worry about doing this.They will understand.Explain your circumstances.

 

Just having a quick look into them.

Seems the BBC and 5 LIVE have looked into them.

They are well known for not giving money back.

 

Just reading some one who has worked for them

Grrrrr

Left because of the terrible things they do,could not stand working for them.

Both of the Directors of the company, Sally Hill and Stuart Hicks, are the main pushers of ALL the other staff, sales agents, customer services etc. They tell them EXACTLY what to say and how to handle all your "Objections"... they call it "Objection Handling"

 

I believe Sally Hill used to be involved with Yes loans

 

Back in 2011.

http://www.bbc.co.uk/news/business-15041117

Back later,but maybe for now,enough said.

Edited October 15, 2013 by tawnyowl

[funjenuk]

m bank s dealing with it just waiting on an email from them or text to see how there getting on they said they will keep in contact with me reguilding the matter

[Tawnyowl]

Hi funjenuk- I have been looking into Payday Loan companies and Brokers for some time.In fact years.I have asked Mps to look at things.Maybe ask questions.Well today one has got back to me.

Latest news.One of the MPs has got back to me.There may be hope.Gordon Marsden a MP who does care about people in his community.

I have witnessed this personally.I will send him the clear evidence and info tonight.It is time for the Brokers to be asked questions.Or looked into carefully.

 

I am still keeping a eye on your thread and will watch developments carefully as they develop/And help you any way i can.Back later.

[renegadeimp]

Hi tawny. Any idea if stella creasy is still involved with pdls? Her camp seems to have gone quiet lately.

[Tawnyowl]

Hi renegadeimp,

I will check this out.We all know Stella Creasy started the ball rolling.

It has now become a big issue.More people have become involved than ever before.

Stella Creasy 3 years ago was the first person i found that was really concerned about these issues.

And i followed carefully what this Walthamstow MP was saying,the battles Stella took on,with no fear,because she knew this was right.

Protests, radio,TV interviews with the sharks.I could see Stella Creasys anger at times.Felt she was going to give them a right blast,the sharks so smug.

You can look at peoples faces,eyes sometimes and you know what they are feeling.

Stella Creasy i feel will not give up till they are dealt with.But as any MP i feel they have other things to deal with as well.

Such busy lives.How can i explain this.Well sometimes i spend perhaps 6 hours a day looking at the situation internationally,looking for tricks,changes,what they are up to.

As i have said keep your eye open for Stealth Loans from the Lepers of Lending,which have arrived,or will arrive as possibilities of regulation come in..

They will not want to lose the gold mine.The people of Great Britain and elsewhere who are being targeted so cleverly by the Legal Loan Sharks,preying on the people and communities,towns and cities.

More today.

 

There you go renagadeimp,Stella Creasy will never give up,there is no doubt of this

There are many links within the article,have a good look at them..

http://www.workingforwalthamstow.org.uk/government-lets-legal-loan-sharks-slip-through-the-net-again-says-mp-as-fca-dodges-credit-caps-question/

 

Just for reference.

 

Maybe some would like to peek,see what we are trying to deal with.

 

http://www. /view/10603/SGE-Loans

 

http://www. /view/84586/SGE-Gas-And-Electric

 

Time to be brought to task.The whole Payday Loan Broker market stinks.

Some or one of the links do not seem to work.I will sort this.

But if i cannot just put this into google- sge reviews

 

 

funjenuk-I am still watching,waiting for any developments,Do not give up.

If you need any more advice,letters help just shout.

Edited October 15, 2013 by tawnyowl

[funjenuk]

just heard back from them they still wont give me m money back this is wht they said

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Services Services (services@sgecustomers.com)Add to contacts 10:26

To: xxxxxxxx

Picture of Services Services

Good morning,

The terms and conditions stated refer to the card issuer's liability in the event of a cancelled payment being taken.

As was stated previously your payment for the premium service was authorised on the original loan application and was therefore was not taken in error.

As stated previously if you will to dispute this decision request it raised to a level 3 complaint and the call recording will be reviewed.

Kind Regards,

John

Customer Services Team

SGE Group of Companies

Edited October 15, 2013 by ims21

[renegadeimp]

You need to get a chargeback through your bank, not the lender.

 

THROUGH.

 

YOUR.

 

BANK.

 

The lender will always side with itself. Especially since they have taken money from you

 

Also, please delete your name from your previous post.

[ims21]

 

Also, please delete your name from your previous post.

 

Done it

[Tawnyowl]

Hi funjenuk-

Just putting this on.Trying to get to grips with Level Three complaints procedure.

How soon after first contacting the company,and money being taken from your account did you ask for your money back.

Did you ask by letter,email or telephone

Quote.

They took my money Friday,they wont give it back

End Quote.

I see you contacted them by email asking for your money back.on the 14th of October.

How long was this after first giving your details to them.

It seems they record conversations, as said in your email you received of them.

I maybe would like this conversation.Maybe a wise one can tell how this can be asked for.For your future records perhaps.

 

SGE Level Three complaints procedure.So many procedures where are we up to.

For a level three it seems you get letters sent to you.

If a fault is found you get a formal apology and a gift voucher.Interesting.

If at any time during one and two level you are not satisfied write to compliance manager who will investigate.

A letter perhaps will be heading there soon.

Just would like dates now.

http://www.sgeloans.com/documents/ComplaintsProcedure.pdf

 

 

And this disclaimer i cannot get to grips with.

I am just wondering if you have been to your bank and asked for chargeback .In person.Maybe asking to speak to a supervisor.Explaining your circumstances.You must be starving by now.No money till Friday.

 

And this is concerning me,how are you feeling.funjenuk

i also have group 2 diabetise which i have tablets for so need money they took for food how do i get in contact with them?

 

NOTICE & DISCLAIMER:

We cannot accept liability for any breaches of confidence arising through use of email. Any opinions expressed in this email (including attachments) are those of the author and do not necessarily reflect our opinions. We will not accept responsibility for any commitments made by our employees outside the scope of our business. We do not warrant the accuracy or completeness of such information

Edited October 16, 2013 by tawnyowl

[funjenuk]

i got money back my bank sorted it

[Tawnyowl]

Good news.Hope you keep well.Best wishes.

Tawnyowl.

[slick132]

Hi Funjen,

 

This is excellent news and well done to all who helped with this.

 

Thread title changed to reflect your **WIN**.

 

[dx100uk]

can you clarify HOW you got the money back

 

so others can follow the advise you used .

 

dx