Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder EMidlands Novitiate

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    Default Help with Wentworth Direct Finance

    I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgageicon, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

    Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

    Surely this cannot be legal can it?. Certainly not ethical.

    I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

    Not sure if anything can be done, is it worth going to a Financial Ombudsmanicon or any other establishment that governs these people?

    I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!



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    Site Team maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52's Avatar

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    Default Re: Wentworth Direct Finance

    Hello and Welcome,

    I've started a new threadicon for you.

    Regards.

    Scott.


  3. #3
    Basic Account Holder mgroadster Novitiate

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    Default Re: Help with Wentworth Direct Finance

    You may have read by now my thread about Wentworth. Today RBSicon refunded my 69 pending enquiries.
    I also contacted Wentworth and explained what was going to happen. They told me EVERY phone callicon is recorded.
    Check which date you spoke to the call centre and then contact JENNY SHEPHERD at Wentworth who looks at the complaints. She will check your calls and be able to establish the truth.
    Surprisingly, the call centre telephonist didn't sound surprised or shocked at my story, which I believe says alot!
    I'm lucky I got my money from the bank next day, but this Ralph Marlon lot did try to tout me...their app form is in the bin. I think Wentwoth runs on how many 69 quids they can get in a day as brokers. They are not actually interested in lending money.


  4. #4
    Basic Account Holder lizzie1984123 Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Quote Originally Posted by EMidlands View Post
    I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgageicon, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

    Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

    Surely this cannot be legal can it?. Certainly not ethical.

    I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

    Not sure if anything can be done, is it worth going to a Financial Ombudsmanicon or any other establishment that governs these people?

    I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!
    hi there i too was one of the unfortunate ones to be [problem]med by wentworth & ralph loans,sent numerous recorded letters but with no reply..so someone advised me to contact the financial ombudsman & hey guess what i received a call from wentworth saying they were transferring 69 back into my account..something should be done to bring these [problem]mers down.good luck


  5. #5
    Basic Account Holder lizzie1984123 Novitiate

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    Default Re: Help with Wentworth Direct Finance

    contact the financial Ombudsmanicon whoever's been to wentworth n parted with your hard earned cash..the ombudsman got my 69 quid back for me so good luck


  6. #6
    Basic Account Holder Getting Desperate Novitiate

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    Default Re: Help with Wentworth Direct Finance

    I have received all the above - I am also trying to retrieve my 69 - strangely my bank - Natwesticon being not so helpful as yet....

    Question though - has ANYONE actually managed to secure funds from thiese people and if so how....???


  7. #7
    Basic Account Holder Pottergirl7 Novitiate

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    Default Re: Help with Wentworth Direct Finance

    My Son has also been [problem]med by these people. He had never heard of them until a letter from Ralph Marlon arrived, followed by one from Wentworth saying that the brokers fee had been paid. Checking his account, the fee had been taken from his bank account, even though he had never heard of the company. The bank said they could do nothing as it had been a card transaction. We are trying to get a refund from Wentworth who are now asking for proof of I.D., i.e. photo licence, utility bill and also a current payslip to prove he is employed. Why on earth they would ask for this for a refund of a loan he never even requested beggars belief! Have written to them again today threatening legal proceedings, Financial Ombudsmanicon, etc. Certainly won't send any of these documents - they seem to have enough information without giving them further personal information. As soon as people like these get this sort of information, they can say that a loan has been granted and where will that then lead?
    PLEASE DON'T GO ANYWHERE NEAR THESE PEOPLE.


  8. #8
    Basic Account Holder alternative-answer Novitiate

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    Default Re: Help with Wentworth Direct Finance

    I made an application via Wentworth and it was then passed to a company called Ralph Marlon Loans who did offer me a loan with extortionate interest rates which I declined. I called consumer direct who gave me some direction on what to write in a letter, see below:



    DO NOT IGNORE THIS NOTICE
    Notice to Principal isNotice to Agent; Notice to Agent is Notice to Principal.




    Loan Ref Number:

    To whom it may concern.

    I am writing to request afull refund of the broker fee of 139.90 that was taken from my debit card twice.It is my belief that during the original contact over the phone with Wentworth Direct Finance that there was misrepresentation when it came to loan application process, lending and approval criteria.

    At the time I was toldthat I had met the lending criteria and that I had been approved for a loan when in fact this was not the case. Misrepresentation also took place in theliterature that you sent out in relation to the illustration of loan amount, amount repayable and the APR which was quoted at 22%, this again is not a true reflection.

    It is my belief that onthe basis of the information given I parted with the 69.95 broker’s fee under false pretences, you then took the fee again on the 2nd March 2012 without authorisation. As such youare given 7 days to refund the fee in full.

    In DEMANDING an upfront payment fortheir brokerage services Wentworth Finance act unlawfully: the licence issued to them by the Office of Fair Trading limits brokers to a nominal 5 sum foradministrative costs.I have reported this practice toconsumer Direct and will be raising a complaint with the FSA, Office of FairTrading and Trading Standards.
    This was sent recorded delivery Saturday 3rd March.
    I received a text this morning which reads: Your refund has been completed. Funds should reach your account within 5 working days.
    Good luck.


  9. #9
    Basic Account Holder Sillyboy31 Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Good morning, I've had the 69.95 broker fee taken from my account but havnt had a loan offer or any response from these people.This was two months ago now.Is it to late to ask for a refund? If not does anyone have an address or email address where I can ask for a refund?
    Many thanks.


  10. #10
    Site Team maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52 Highly authoritative maroondevo52's Avatar

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    Default Re: Help with Wentworth Direct Finance

    Alternative answer, did you ever get a reply from Wentworth regarding a refund ?


  11. #11
    Basic Account Holder wickyboy Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Hello I am new here so hope this looks ok.

    This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

    I put the kettle on and before I even switched it on I received a phone callicon from an unknown Number. It was Wentworth.

    I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

    Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

    Very bad practice from this Company I think.

    Rick

    Looks like they are trying to get card details by splitting the number collection inbetween conversations.


  12. #12
    Basic Account Holder wickyboy Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Hello I am new here so hope this looks ok.

    This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

    I put the kettle on and before I even switched it on I received a phone callicon from an unknown Number. It was Wentworth.

    I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

    Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

    Very bad practice from this Company I think.

    Rick

    Looks like they are trying to get card details by splitting the number collection inbetween conversations.


  13. #13
    Basic Account Holder lilyx0xmunster Novitiate

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    Default Re: Help with Wentworth Direct Finance

    these took a payment of 69.95 one week then under a different name took 49.99 two weeks later from a friends bank account have threatened them with financial Ombudsmanicon and no refund as of yet!!


  14. #14
    Basic Account Holder wiley7878 Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Wentworth help me. I got a 5000 loan from them.


  15. #15
    Basic Account Holder daverainey Novitiate

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    Default Re: Help with Wentworth Direct Finance

    Sorry for being sceptical but as you are the first person I have ever come across who says they have received a loan from this [problem] company perhaps you would provide evidence of the process you had to go through to get this money and which company you received the funds from.



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