Hiya

I have had the same problem with some of the same companies having never taken out a loan with them.

PT Loans have taken at least 3 payments of 69.95 from me in the past two weeks and

ML Loans have also taken 69.95

as well as the same from MLL Loans and OR Loans and

another came out of my account yesterday for the same amount,

but their name hasn't showed up on my account as yet as it's pending.

I got paid three weeks ago and

the day after I was paid there was almost 600 pounds gone to these companies and more since.

I am now behind on payments for other things and am really worried they will do this again.

It seems that every time I think I have any money in my account someone else has taken something.

I have contacted trading standards and

they say I have to apply to the companies for my money back but I haven't a clue who they are!

I noted that you had the address for PT Loans and ML Loans.

Could you possibly share those please?

Thankyou and good luck!

Brokers are well known for passing around info. Most brokers are part of the same company too, so they get multiple bites from you.

Thanks.

I'm determined to get my money back. I work too bloody hard to throw this amount of money away.

Thanks for the info and support

own thread created

I have the exact same problems with the exact same loan brokers, plus BB Loans. Has anyone had a way to make it stop?

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!

usually this shuld be done using the numbe on your debit card

.

banks MUST follow written intructions from their customers !

.

This fsa guide has now been updated:

.

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_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

.

..

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New june 2013

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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.”

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http://www.ftadviser.com/2013/06/28/...J/article.html

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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]

PT Loans contact number: 01403 215760 good luck

I just wanted to update you all, Merrywood have refunded all of my money £939.00!!!! Keep persisting guys, they will pay back after all, even though they shouldn't have taken it in the first place. Good Luck!!!

Thata great news! some of my refunds are due this week. Are Merrywood MLoans? And if so, do you have their contact number please?

Just for info

http://www.theguardian.com/money/2014/oct/29/payday-loan-brokers-bank-accounts-poor-customers

Hi,

This has just happened to me with BB loans. I requested a refund and was told 10 day and then I would have the full refund. That day is today still nothing in my bank. Do you ever get a refund from them??

what have your bank said?

dx

Well that they can do nothing.but that it could go in Anytine as it is a debit transaction. Just wondered if anybody ever had a refund from BB loans they accrued me that it would be in my bank today. X

do you have a contact for BB loans the one on the internet is another company

The number for BB loans (blue bean loans) is 02035985084 call this number initially and request a refund. They will say within 10 day but you will not see it. Then after 10 days or before call 01403215760 this is customer services and they will refund you the money ASAP.

The company is blue bean loan, the company number is 628234 they also operate as merrywood.

xx

BB loans aka Blue bean loans phone 02035985084 request a refund. The when they do not refund call 01403215760. This is customer servives and they will refund you. the company number is 628 234 and the also operrate as merrywood.

yes the number on the internet is wrong.

good luck

xx

'Bluebean Loans is a trading style of Orchard Data Solutions Limited, Registered address: 2nd Floor 145-157 St John Street, London, EC1V 4PY. Orchard Data Solutions Limited is authorised and regulated by the Financial Conduct Authority Company Number: 8059046, Data Protection Number: Z3427283'

aka orchard loans

'Merrywood Loans is a trading style of MDX Solutions Limited, Registered address: 2nd Floor 145-157 St John Street, London, EC1V 4PY. MDX Solutions Limited is authorised and regulated by the Financial Conduct Authority Company Number: 06896900, Data Protection Number: Z1795311 '

fingers in the same pies

thanks everyone I love Caggers x