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Juboo

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  1. Hi, i also stupidly applied to Loans direct and had 3 lots of money taken out of my bank from Loan direct,loan wizard and loans now. I read up and realised i had a major problem if i was to get my money back as i had realised i did not want loans with an of them due to high interest etc. It was hard to follow the application process as lots of pages were then opening with 'loan offers'. I did everything they all asked with the forms and within two days sent them all off recorded delivery (you must do this) as they will say they haven't received them. I then got the texts saying they have received my cancellation request this was from loan wizard and loan direct i heard nothing from loans now. Next day i got the standard 'we are unable to offer the full refund due to a months payment of credit cleaner and £1 a day for membership even though it stated 0 days! The offer was £45+ **Ring your bank and tell them to stop any continuous payments for credit cleaner, they will do this** I was fuming by this time as this money had caused me to miss dd in my account so i actually rang them and said the following; " I have today spoken to the financial ombudsman who advised me that you are only allowed to take £5 admin fee and i want the rest putting in my bank. The advisor then said to hold on while i put you through to an account Manager his name is Chris Williams. I repeated everything i had said to the advisor and told him that my complaint was lodged and he seemed to get flustered. He then went on to say that he will immediately issue a full refund minus the £5. I then got a text actually stating this had happened and my account also said the same. Same thing happened next day with loans direct and again was put through to Chris but i think he recognised my voice and hung up! I then rang back and said i was speaking to the manage and was cut off and she said you have been refunded in full! I still didn't dare to hope until i saw the money in my account and two days later it was there The Next day Loans now also refunded me, so all 3 have refunded. I probably could have argued about the £5 as i cancelled well within the 14 days but after reading about lots of people not even getting theirs back i was very relieved. So anyone still being messed about by these companies say exactly what i said do not mess about and you will get your money back. Hope this helps
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