loans direct got £69.75 out of my bank - want a refund!!

[wjamie23]

hello i was unlucky to get [problem]med off this company loans-direct.

 

in searching for a loan i had gotten a link to say i had been accepted for a loan,

after entering my card details £69.75 was taking out off my account.

 

after phoning loans direct i was told to write a letter and send it off before the 14 days is up so i did this.

 

i have had no phone calls and

i have rang them 4 times now asking about a refund.

 

today i give them another ring and

they put me through to one of the managers who said i can have a refund of £40.75

as they keep £30 for set up fee which is not in their terms and conditions

 

i have a good look through so they are trying to fob me off.

 

she also said something about they take money off depending on how many days my account is active

which is also not in the terms and conditions.

 

i have more then likely racked up the phone the what i have managed to get back off them.

 

what to do?

 

any help would be great.

[renegadeimp]

Go to your bank and get a full chargeback for an unauthorised transaction. Dont let your bank tell you no.

[dx100uk]

moved you to the loan brokers forum

 

there are loads of posts the same

 

as advised

get a chargeback done - don't take NO for an answer!!

 

banks are well aware of this type of spoofing that goes on.

 

plenty of other threads to read here too.

 

dx

[wjamie23]

thanks very much i am on the phone now to my bank. i had already done this once before and they said they wouldn't be able to do anything so i will try again. not taking no for an answer

[dx100uk]

exactly DONT take no for an answer

 

keep going UP the chain of command till you get it.

 

dx

[wjamie23]

well i tried and they said because i have entered my card details they cannot do a chargeback or do anything about it

[sequenci]

Hello there.

 

If push comes to shove they are entitlted to keep only £5 which the OFT have stated is an adequate broker's fee. The £5 is actually written in to the Consumer Credit Act.

 

More info here:

 

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/brokerage-fees

[dx100uk]

whos the bank please

 

dx

[wjamie23]

barclays. i am back on the phone to loans direct as the bank told me because have not managed to get me a loan they have to give me a full refund

[sequenci]

The bank is mistaken. They are legally able to keep £5, but the rest should be refunded.

[wjamie23]

finished the phone with loans direct which is funny after all the phone calls to them they where fobbing me off.

 

i told them my bank said that they have to give me a full refund as they have not managed to get me a loan

and what do you know she spoke to her advisor and came back back says they have issued a full refund

 

so even though the bank has not done anything

 

they give me some information.

 

thanks all for the help aswel great helpl

[sequenci]

Oh, that's awesome. Congrats

[renegadeimp]

Let us know when it actually gets in your bank account.

[wjamie23]

yeah i will let you know. thanks again everyone for the help

[wjamie23]

just letting you know i got the full £69.75 this afternoon which i am pleased about

 

thanks again for the help

[sequenci]

Excellent, thanks for the update