Can anyone give me the number for the1loan.

They took money from my account and now I can't get in touch with them or even onto their website because I don't have a password.

I am so frustrated.

They were the fourth company to take funds from my account on the same day for services I neither wanted or used.

When I phone them the automated message tells me to text my membership number which I don't have and I can't get on the website because I don't have a password. Does anybody have any suggestions please.

Here is their website - which you know, of course. I doubt whether you will make any headway with a phone call.

Searching for 1loan on google reveals a huge number of complaints and clearly this is not a company one should really be dealing with.

How come they got your details? How come 3 others also took money from you.

Here is a link to the rules which deal with the taking of payments. Follow the link to the FCA site. - http://www.consumeractiongroup.co.uk/forum/showthread.php?426168-CONC-3.2-Financial-promotion-general-guidance

Let us kow in what way this rule has been broken. These are new rules and it is a very serious matter to break them

GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS

.....

We have been telling people to put a letter into their bank instructing them

not to make any payments under any circumstances to these companies

.

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

.

banks MUST follow written intructions from their customers !

.

This fsa guideicon 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.

and that CANELLING YOUR CARD WILL NOT STOP THE CPA

.

see:

http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumer...ng/index.shtml

.

http://www.theguardian.com/money/201...?newsfeed=true

..

.

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/...J/article.html

.

Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

.In the FSA's own words:

.

..

What should I do about a payment from my account that I didn’t authorise?

.

Your bank must refund an unauthorised transaction.

Money can only be taken from your account if you have authorised the transaction

or if your bank can prove you were at fault –

see below.

Contact your bank immediately if you notice an unauthorised payment from your account.

If you are sure you did not authorise the payment, you can claim a refund.

However, your bank does not have to refund you if you do not tell it about the payment until 13 months

or more after the date it left your account.

.

Your bank must refund an unauthorised transaction

.

------------------

.

Your bank may only refuse a refund for an unauthorised transaction if:

.

? it can prove you authorised the transaction

– though your bank cannot simply say that use of your password,

card and PIN proves you authorised a payment; or

? it can prove you are at fault because you acted fraudulently,

or because you deliberately,

or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction

.

-----------------------

.

How quickly must my bank refund me for an unauthorised transaction?

.

The bank must make the refund immediately unless it has evidence that one of the above reasons applies.

Your bank may ask you to answer some questions and fill out a form confirming what has happened,

but it cannot delay your refund while it waits for you to return the form.

If the bank has evidence that one of the above reasons for refusing a refund applies,

it may investigate before making a refund

but must look into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

If the transaction was on a credit card, the refund may not happen immediately.

But the card issuer cannot charge interesticon or ask for repayment of the amount unless it can prove you are liable to pay

[/b]

These are your statutory rights under FSA regulations. They are not guidance.

.

if you did it by your banking portal:

.

then follow this:

.

http://www.consumeractiongroup.co.uk...73#post4534173

Is this one of the companies that shares payment details with others. Basically they pass your info around? PDL's used to do this, but stopped it.

Hi, I've been waiting over 30 days now for my refund. This company is horrific, I thought I was enquiring about a loan and not once did it state anywhere aboutbeing a broker and paying a fee.

Your right about the website too, you need a password to enter !

Go to your bank and get a chargeback. Don't take no for an answer and do NOT let them tell you you have to wait for 30 days. You can get a chargeback immediately.

Whats a chargeback ? I did ring my bank as soon as I realised about the payment but they basically said I must have agreed to it as I had provided my details.

See post #5.

Put simply, your bank and the telephone rep is wrong.

Applied to one site and somehow ended up with four companies taking between £58 to £69 from my account.

My bank said they could do nothing but

when I got my statement in they handed over my money three days after I went into my branch.

Clearly my bank has a different definition of customer service than me but I digress.

These internet companies are getting away with ripping people off hoping most people won't chases them but I am going to.

Thanks

I have just managed to get this number of their customer service. 0330 122 2708. I haven't tried it but hope it helps.

They get away with it cos people dont report them

I had the 0330 number already and also found an 01625 432028 which is Securemymoney who are the regsitered company but it seems both numbers go through to the place and you have 3 options. Each option puts you on hold and then after about 3 minutes you are told all operators are busy and please call back, then you are cut off !!! No matter what time of day (and I have called up to 10 times per day at different times) you simply cannot get through to anyone.

Can anyone suggest what to do next ?

Thanks

Chargeback.

I did speak to my bank, Lloyds and they said because I have had dealings with a payday loan company in the past, VISA are not responsible and that I am not elibible for a chargeback.

Your bank is 100% wrong as we have stated before. You need to put your foot down, report them to the regulators, get formal complaints in and possible be prepared to issue court proceedings against them. The reason they are doing this is because they know you are likely to give in and let them walk all over you.

I have sent an email to the ceo as I have just called again and have been told the same reply as before.

post 5 explains all

dx

chargeback is against your bank

dx

Well I have got nowhere with my bank (Lloyds),

cannot for love nor money get on contact with 1loans

despite writing and calling a billion times

now just to really send me over the edge...

.. a debit from my account today from www.the1loanscompany.co.uk for £4.99 !! Give me strength !!!!!!!!!!!!

time you reported Lloyds for not cancelling the CPA and refusing chargeback.

dx