Just to update. I have dealt with the Area Manager and he has agreed to freezing my account and that I just make my regular weekly payments. So persistence does pay off.

I will call the disputes team again (third time lucky maybe)....I did ask to speak to a supervisor but that got me nowhere. Will try and be more persistent. It's a fine line, I want them to help so don't want to be too forceful lol. Just looked at post office accounts and not sure it would be suitable for us as my husbands wage gets paid into the bank. Doesn't look like they accept wages etc? Maybe I am looking at it wrongly?

The FOS told me on the phone that my complaint is with Loanspotter and not Lloyds TSB. Out of curiosity how come your other thread has vanished? The one that linked to this? Only reason I ask is that I had an email notification saying that someone from Loanspotter had replied but when I click on the link it says the whole thread has been deleted. I do have a post office near me (nearer than the bank in fact) I will look into accounts with them thank you

I had an email notification saying that someone from Loanspotter had responded and I've logged on and it's not here? Probably just as well and was ready to type him a reply............ I have made an official complaint to the FOS, all paperwork came through today so just going to print off all my evidence and send it back to them. With regards to changing my bank. It's not really possible. I live in quite a rural area and Lloyds is the only bank around.....I know I don't often pop into branch but when I do I want one I can go to easily rather than an hours journey

I emailed them asking for copies of the call recordings that they claim to have. I didn't send £10 to request anything from them.

Spoke too soon! Had a letter from Lloyds TSB basically advising me that they have sided with Loanspotter and that they will be redebiting my account on 23/09/13. I called Lloyds and as usual they were very unhelpful telling me that I cannot make an appeal over the phone that i need to negotiate with Loanspotter to get a refund. What am I meant to do not? This will leave me absolutely snookered

Just had the following email from Head Office:- Good Morning. Thank you for your emails which were received today. I understand the Area manager is dealing with the matter and will contact you directly in due course. regards, customer services department. So will just have to wait and see.

Just to keep everyone on the thread updated I haven't had any emails or letters from Loanspotter. They could still be texting me but I have changed my phone number so I don't know.

I have emailed the "removing visiting rights" letter to Head Office and the Area Manager has also had my request to stop all home visits so hopefully I won't have to deal with this. I have to say though I keep waiting for the knock on the door but really can't face it!

I don't have a statement showing what insurances I paid....i have asked the Head Office for this. Would I be able to claim this back for the sofa I have just sent back?

It isn't an agency it is their own staff! They just like their customers to believe that Temple Finance are a different outfit.

I refuse to deal with the store as the store manager is an absolute a*se...he just sends the debt manager round to say he wants payment or is collecting goods. I have emailed the "removing all visiting rights" letter to the Head Office which just backs up the email that I have already sent. As yet I haven't heard anything. I sent a copy of my first email to the Area Manager on Saturday and I received a really quick reply. All it said was that he has reviewed my account and noticed I hadn't made payments as agreed previously. It asked me to let him know when I can make any payment for him to see if he can help. I have replied and told him that I can make my weekly payments but cannot afford to catch the arrears up. I am awaiting a response. A copy of this was also emailed to head office.

I am currently having problems with Perfect Home. It's a little bit of a long story so I'll shorten it. I took out an agreement for a sofa and around 8 weeks later I took out an agreement for a TV (around 18 months ago). At the beginning I always paid on time (including their insurance) but then I fell into a bit of financial difficulty so I removed the insurance etc and since then I have gone into arrears and then caught up. Things have got really tight and there was no way I could catch up the arrears to we took the decision to send the sofa back. I called the store and arranged collection. This still left arrears of £70 on the TV which is where I am at at the moment. On Friday I received a visit from the branch debt collector, now I normally have a good rapport with him (because i often fall into arrears he is here quite often). Now this visit yesterday has really riled me and has caused me to complain to their HO by email. he advised me that if I did not pay they would pass it onto Temple Finance who are (in his words) "nasty pieces of work" and that they would "hammer none stop on my door / windows and shout through by letterbox" he even said they would "kick down my door to collect goods". Now I know that legally they cannot do any of this therefore I have emailed the head office as I cannot face another visit on Monday. In the email I have stated that i only wish to correspond in writing and that I revoke the right for any employee of Temple Finance / Perfect Home to visit my home. I have also emailed this to the area manager. I have asked if they can help me. I am not a "won't pay" I am a "can't pay". Does anyone know of what they could do to help me? i.e freeze my account? or put the arrears to the back of my agreement? Any advice would be gratefully received

Hi Manontheweb I'm well aware of the brokers and the pointless service that they provide. This was a company that actually called my husband and did state that there was a fee but that the fee was taken once you had received the loan funds. Hindsight is a wonderful thing. I haven't heard anything from Loanspotter for about a week now........

Not surprised! Ah well got my new card now so just keeping my fingers crossed that they don't side with Loanspotter and reverse the refund!

Hi Tawny Owl....yes I have emailed them (no response baring an automated one as yet). Since my last post on here the email that I posted on here was sent to me by post and I have received 2 text messages. Will update if I hear anymore. Hi JulieCurrie It may help if you posted your own thread giving some detail and you could get personalised advice. Whatever you do though don't give up!!!!

You read my mind! This is what I thought, if they keep details of everything then they will not only have the original phone call BUT they will also have all the calls asking for refund, the letters and numerous emails. I think I will email them now and ask them for this!

I have three liability orders and the council forwarded employment details to the bailiffs dealing with 2 of them. Rossendales then set up an AOE for 2 liability orders meaning I was basically paying double the recommended amount. I emailed the council explaining with a formal complaint and advised them what they had done was putting me in hardship and they contacted Rossendales on my behalf and they are now just taking AOE payments for one liability order at a time. Don't know if this information may help you in some way?

Do you have details of the Enforcement Officer at the fines office (the one who issues warrants etc)? They do have the authority to call the debt back from the HCEO. I only know this as I managed to get it done after a HCEO officer turned up at my house threatening the same thing. You may find that the enforcement officer may be sympathetic to your situation and may get you back in court so that they can means test again. Worth a try.

Right.... I have spoken to my Lloyds TSB and the disputes team advised me to cancel my card as it is the only way to ensure that no further payments come out from this or any other company that they may have passed our details to. The reason I called Lloyds was I have had a very interesting / worrying email from Loanspotter:- From: [email protected] Subject: Disputed Payment Dear Customer We have received notification from our processing bank that you have raised a query regarding payment of your membership service. Please find attached a full information pack which requires your immediate attention Regards, Customer Service This is the attachment:- Loan Spotter Fort Dunlop Fort Parkway Birmingham B24 5FE Date: August 29, 2013 URGENT: ACTION PENDING Dear xxx We have received notification from our processing bank that you have raised a query regarding the fee YOU paid to Loan Spotter of £54.96. Attached in this pack is the full application details you provided when you made this application. We also hold on file a full record of all communications made to you by email, post and a recording of all inbound and outbound calls. WE WILL BE HAPPY TO REFUND YOU THE FEE. To process your refund without delay we require you to complete the attached form and return to us as soon as possible. If you choose to ignore this letter we will have to provide our processing bank and your bank with evidence to support our claim which clearly shows that the transaction was authorized by you. We hope to receive the attached form back from you so we can arrange the refund for your immediately. Should you have any questions relating to this please contact us on: 0844 704 5998. Your Sincerely, Samantha Evans Customer Services Director The attachment asks me to complete the following details:- Bank Name Bank Address Account Number Sort Code It also asks for employer & income details and the only details they have on my husband is address, phone number, email & the fact that we are private tenants. I am FUMING that since 30 July we have contacted them and they only get in touch when I manage to get a refund through the bank. This just proves what kind of outfit they are!!!!!!

So I received a refund through my bank (shows on bank statement as a dispute). Today I have received a text message from Loanspotter saying "your bank has been in touch about a payment dispute. Please call us on 0844 3091971 to resolve this matter and STOP further action". No sooner had this text message come through the phone was ringing for my husband and it was "LS". Funny how you can't get hold of them and you get a refund through bank and they get in touch. Not really sure what I need to do now? I know I have told my bank that no payments are to go to Loanspotter again but should I cancel my card (say it is lost) just to be on the safe side? The bank obviously did warn us that if Loanspotter provide proof they *may* process the payment. I have a couple of questions regarding this:- 1) Yes my husband did provide card details but was told that funds would be taken AFTER loan funds were deposited. What will the bank do? Say that he willfully gave details so tough luck and reverse the payment? 2) The "loan" application was in my husbands name but gave my card details. Will this fact help us or hinder us (it is a joint account)? Just want to be prepared in case the bank comes back to me for every eventuality. Thanks, Lucy

Ah ok, sorry didn't realise you had already been down this route. I thought that you had just asked and been declined a chargeback. yes they gave me the warning of if Loanspotter provide proof etc then they will recredit them but would notify me in writing first etc. My case is a little complex as Loanspotter advised my husband on the phone that no fees would be taken until a loan was provided....obviously no loan materialised but they debited £54.96. Also it was my debit card that was used even though the "application" was in my husbands name not sure. They money has landed in my account from the bank so just keeping my fingers crossed that it stays there! I wonder whether in your case it would be worth sending a letter to the bank appealing against their decision? If you find out the dispute teams postal address and explaining that they are not contactable etc and appealing their decision?

Hi Thomas Just to update you on my situation. I have just come off the phone to my bank who have agreed to refund the money into my account as they have raised it as a dispute / chargeback and they have said that the money will be in my bank within 24 hours. I wonder if you could go down the same route? It took a lot of persistence (asking to speak to a manager and to make a formal complaint etc) I was given a "no" last week on the phone. But this second phone call today has proved successful. Please don't give up on getting your money back.......that is what these companies are hoping for!

UPDATE I have just telephoned the disputes team at Lloyds TSB again. Thankfully after a little persistence (asking to speak to an supervisor to make a complaint) I have managed to get a dispute raised and a "chargeback" on this payment. The bank advised me that the full £54.96 should be in my account within 24 hours. So hopefully this should be the end of Loanspotter for me . My advice to anyone else having the same problems is to be persistent with your bank as it seems that Loanspotter are doing their very best not to refund! I will of course update if i hear anything back from them.

Right...........just had a really awful thought after reading various other threads started on Moneysavingexpert website. Someone was saying that they had money taken again 6 weeks later. Now this puts me between a rock and a hard place because if I cancel my card they can't refund the money. If I don't cancel my card it leaves them wide open to take more money??????? What should I do?