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Avant credit. Want to cancel. Silly charges?


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Hi, all

I applied for a loan with avant credit as the app 'clearscore' said I had been pre approved with a rate that wasn't too bad.

I was in need of a loan anyway so I went for it.

 

To cut a long story short

it wasn't until after I had done the online application that I noticed the APR was at 42.2%!

Ridiculous so I investigated how to cancel.

 

On their website it only gives the option of emailing them to cancel (without any penalties as long as it's done before the acceptance email). So I sent the email.

 

This morning I wake up to the fact that the loan is in my bank for £3000.

 

I go to their website to cancel/return the money and low and behold you can but I have to pay an extra £150 ish.

This was apparently because my loan was for £3150 despite the fact I only get £3000 (admin fee rubbish)

 

Is their a leg to stand on?

I want to cancel asap but.

Not replay silly charges.

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you cancelled within 14 days

it should cost you nothing.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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agreed. However, reading the paperwork it states although I only receive £3000. The actual loan was for £3157.

The £157 is added as a admin fee.

If I go online it states to cancel the loan then I need to repay £3157.

Despite the fact I only received £3000 and have had that money for only a matter of hours.

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no its the law.

and they cant charge anything

end of!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks for that dx. Appreciated.

I phone today but was told what I expected. That to cancel the agreement it would be the ful £3157 as that was what the loan was for.

Is there some sort of legislation that I can quote (you mentioned it was the law)

Thanks in advance.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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