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 lochnettie80 Novitiate

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    Default my loans - some one took 69.99 from my bank account !!

    can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loansicon which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone callsicon from any company callled my loans and i cant trace them on the internet either. any one able to help with this??


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    Default Re: my loans

    This figure sounds like the amount a pay day loanicon company takes, ask your bank if they have any other details they may be able to tell you if this is a continuous credit agreement or they may have a full name of the company. I would however stop your card say it has been stolen and get the bank to send you a new one in case it has been cloned, also if this is a mistake you can claim the payment back from your bank.


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    Default Re: my loans

    chargeback!!
    http://whatconsumer.co.uk/visa-debit-chargeback/
    many examples of this on CAGicon happening.


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  4. #4
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    Default Re: my loans

    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

    PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

    DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk...65-legislation

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  5. #5
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    Default Re: my loans

    If you don't have any luck on the chargeback, then I suggest you send them a letter requesting payment back. They can keep 5 as adminicon charges.

    PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

    DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk...65-legislation

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  6. #6
    Basic Account Holder TrevMason Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    I had trouble with myloans but I decided I wasn't going to stand for it. After 5 seperate phone callsicon and me telling them EXACTLY what I thought of them I chose to contact the financial Ombudsmanicon and get them involved. My next step is to get the FSA involved, Even if I dont get the 70 back, I'm going to make them earn it. They have already changed the website and made their charges upfront now (it wasn't when I got had). I feel a bit better to know Im not the only one to get ripped off by them but I hope to be the last! Their phone number is 08454918820. Best of luck with them


  7. #7
    Basic Account Holder Tazzers Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    I actually am disgusted that I managed to get conned!!!

    To be fair, I don't think it was entirely my fault;

    I came across myloans via another link which took me into the apply section bypassing the home page stating the 69.99 fee.

    When I did see this amount mentioned, I thought it was in relation to the company who was offering me the loan.

    The next thing I get a text message saying "thank you for your payment".
    I'm like, who took money for what?!?!?

    Looked further into it and it is myloan (08454918820 or 01625505465) or Enhance Financial Services, Macclesfield (0871 705 0201) as has shown to my bank.

    I've tried all the numbers, can't get to speak to anyone,
    constantly on hold and then told to ring back.

    On principle I'm going to fight the bit out. I'm also completing a Visa Dispute which, if successful, can take up to 30 days.

    Anyone seeking a small loan, please, please, please be careful.

    I always thought I was savvy now I'm thoroughly embarrassed.


    Needless to say, they have provided no companies that I would even dream of using and am now getting junk email re loans from companies in Seattle!!

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  8. #8
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    Default Re: my loans - some one took 69.99 from my bank account !!

    chargeback!!


    dx

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  9. #9
    Basic Account Holder Tazzers Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    Is charge back the same at Visa Dispute? Actually (duh!) when I'm speaking with them again I'll ask about this. Thanks for the reply!


  10. #10
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    Default Re: my loans - some one took 69.99 from my bank account !!

    No it is NOT.

    and you dont ASK for a chargeback you DEMAND it.

    and you dont give up

    go up the monkey chain till you get one that KNOWS what it is

    very few know how chargeback actually works. or IS

    you CAN chargeback

    they investigate it LATER.

    dx

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  11. #11
    Basic Account Holder juliesearle Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    Quote Originally Posted by lochnettie80 View Post
    can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loansicon which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone callsicon from any company callled my loans and i cant trace them on the internet either. any one able to help with this??
    i have just noticed the same with my loans..i did go on this site...and replied..but cancelled as i didnt want to pay the 69.99 fee.as warned about this....so the payment didnt go through..i have just checked my statement..and they took it today...with no notification...am furious..


  12. #12
    Basic Account Holder zoey0412 Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    this has happened to me a single mum of 2 who really could have done without losing 68 quid is there any way of getting it back????


  13. #13
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    Default Re: my loans - some one took 69.99 from my bank account !!

    best thing is to imediately contact your bank/card provider and demand a chargeback.

    youdid NOT give them the authority to charge your card

    you were asked for it for security purposes
    not for a charge.

    loads of threads on this 70 issue

    most get money back.

    complain and DO NOT TAKE NO FOR AN ANSWER
    your bank CAN refund it

    you did NOT give authority

    dx

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  14. #14
    Basic Account Holder juliesearle Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    Quote Originally Posted by zoey0412 View Post
    this has happened to me a single mum of 2 who really could have done without losing 68 quid is there any way of getting it back????
    yes..i am having my money refunded..rang them..and told them..they emailed me cancellation form..and responded saying refunded in 30 days...they are supposed to give you a date and amount they are taking it..but they didnt..so i simply rang them..and finally get my money back..


  15. #15
    Basic Account Holder juliesearle Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    im furious with my loans.
    .i cancelled the agreement within the time frame.
    ..so why does it take 30 days to refund.
    ..i emailed them.
    .telling them they have hold of my money for no reason.
    .and demand they return asap
    ..as i have my rent to pay.
    ..they emailed me back.
    .to say it will be refunded on 30 july.
    ..i emailed them back.
    .saying not good enough.
    .as i am entitled to this now.
    ..as i have no goods or services from them

    .to warrant them keeping hold of my money.
    ...is there anything else i should tell them...


  16. #16
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    Default Re: my loans - some one took 69.99 from my bank account !!

    chagre them at your card int rate too on top!!

    dx

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  17. #17
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    Default Re: my loans - some one took 69.99 from my bank account !!

    They seem to be undegoing a site overhaul

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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    Basic Account Holder Spencer4879 Novitiate

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    Quote Originally Posted by lochnettie80 View Post
    can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loansicon which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone callsicon from any company callled my loans and i cant trace them on the internet either. any one able to help with this??
    yea


  19. #19
    Basic Account Holder AngelicaP Novitiate

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    Default Re: my loans - some one took 69.99 from my bank account !!

    Quote Originally Posted by lochnettie80 View Post
    can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loansicon which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone callsicon from any company callled my loans and i cant trace them on the internet either. any one able to help with this??
    you must have applied for a loan through some website and given them your card details - they take the money and then give you some loan companies to try - massive [problem]!!!! I managed to get money back from one of them by going to their refunds department.


  20. #20
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    Default Re: my loans - some one took 69.99 from my bank account !!

    Quote Originally Posted by AngelicaP View Post
    you must have applied for a loan through some website and given them your card details - they take the money and then give you some loan companies to try - massive [problem]!!!! I managed to get money back from one of them by going to their refunds department.
    I got caught by this. At no stage was I warned I was entering into a payment service, and my card details were not even entered on that particular site. I just went straight through the VISA chargeback scheme.

    Funnily enough these companies don't seem to challenge a chargeback...

    When Injustice Becomes Law, Resistance Becomes Duty.
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