credit on demand

[dolly100]

hi all i applied for a loan with this company and got declined few days later i found out they had put £100 into my account i didnt know they had put this money in as i was away at the time and about 2 weeks later i had an email off a debt collection agency saying i needed to now pay them,after a lot of digging round as i didnt put 2+2 together found out who they were collecting on behalf of but was really confused as i got declined for the loan so i have now asked for a copy of the agreement that i was supposed to electronically signed and they have sent me a PRE-CONTRACT CREDIT INFORMATION ..is this an actual credit agreement i am willing to pay back the £100 they deposited into my account just not the charges and interest..

 

many thanks

[renegadeimp]

Do you have the 100 to repay them? If so, pay it them back, ignore any interest and charges and tell them to jump in front of a fast moving bus.

[dolly100]

yes have the £100 thank you for getting back i was going to tell them something a lot worse lol....they are so cheeky....so this is not a credit agreement then like they are saying or am i wrong??

[citizenB]

If the loan was declined, then why would they put money into your account.. very strange indeed. I agree, just return the money to them.

 

I am gobsmacked they would set a Debt Collection Agency on to you after just 2 weeks ??

 

I don't know if you can have your bank reverse the payment so that it goes back to them that way. But if not, then obtain their bank details and return the £100.00.

 

If this were me, I would then make a complaint to the Financial Ombudsman. Something is very wrong indeed.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!(2-Viewing)-nbsp

[declan1992]

I had the same thing happen to me in July. Applied for a loan of £300 was declined and woke up next morning to a text of acceptance and £100 in my bank. I contacted them and told them I was declined and had proof and therefore my contract with them was null and void. I was told it was a computer error and I would only be charged £100.

 

I decided to mess them about and said that since I had no contract with themselves , the money was obviously a donation by the company! I funnily enough got a phone call from a DCA about it, yet when I spoke to them they said I signed a contract!!

 

Very fishy company.