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refund letter template needed for loan brokers!


kadie71
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My son recently tried to apply for an unsecured loan but ended up paying approx £60 to a loan finder company - he was completely mislead on the phone & thought he had been accepted for the loan & would get within a few days. Anyway I rang them to cancel their services (no-one had offered or been in touch with him) and was asked to put in writing the request for a refund. We did this sent it recorded etc. They have now written & asked him to sign his original agreement & return it to them. Is there a template letter I can now send quoting something official? I have read somewhere that they can only actual charge £5 for their admin costs & the remainder must be refunded.

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  • 3 weeks later...
My son recently tried to apply for an unsecured loan but ended up paying approx £60 to a loan finder company - he was completely mislead on the phone & thought he had been accepted for the loan & would get within a few days. Anyway I rang them to cancel their services (no-one had offered or been in touch with him) and was asked to put in writing the request for a refund. We did this sent it recorded etc. They have now written & asked him to sign his original agreement & return it to them. Is there a template letter I can now send quoting something official? I have read somewhere that they can only actual charge £5 for their admin costs & the remainder must be refunded.

 

The Letter Before Action is here:

 

http://www.consumerforums.com/resources/templates-library/90-recovery-of-application-fees-from-loan-companies/602-letter-before-action

 

You are correct about the £5.00, actually I think it is £3.00. If you want, I can get the regualations.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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if it has been done by credit card

try a chargeback

 

dx

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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if it has been done by credit card

try a chargeback

 

dx

 

Debit card as well, I have done that more than once.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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  • 3 weeks later...

Hi,

 

Thanks for the links to the templates.

 

Just one question, I've sent the relevent letters to the loan company and OFT & TS. I put in the letter to refund within 7 days of the date on the LBA, but I've just found out that the letter was only delivered on 13th is this when I start the 7 days? and is it 7 working days or just 7 days?

 

I just want to know how long to give them before I log the claim. The date on the letter was 8th October. Delivered via RM Recorded delivery on the 13th October.

 

Cheers

Al

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