Hi there I hope people are still reading this, final update for merrywoods. Phoned them last Friday as they had continued giving me the run around over last 3 weeks I was due to be paid that Friday, never was what a shocker lol then it was with a manager and then last friday I phoned and I asked as I was due to be paid for some time now. The same woman said that they had just received my complaint from the ombudsman on the 4/12 and so my refund was delayed as they had to deal with the complaint. I told them theres no way they could have just gotten it as I got my copy back in October about 2 days after contacting the ombudsman. She then replied this is strange but we just got it so we have to deal with the two (refund and complaint together.) I then told her well the ombudsman told me that if I hadn't heard anything or been refunded by the 8/12 to contact them and they would do an investigation into the company. She was silent for about 30 secs and replied okay I have a manager here and I am issuing a refund to your account right now. The refund can take a few days to show. 11/12 and the full £69.95 was refunded . I can't thank you all enough for your help especially Tricia for helping me as knowing you were going through the same and won really helped, and to TawnyOwl who has went above and beyond anything I could have imagagined. Thank you all so much.

Hi, sorry for not replying sooner, Tricia I'm glad that you managed to get a refund I may attempt to chase them up today. I contacted the fos and they sent a complaint on my behalf. I'v been told to give them 8 weeks which will be up on the 10/12. I was hoping to wait and reply once I had positive news on the Merryood front but that may not happen. Thanks for all the hard work you have been doing tawnowl and thanks everyone on here that has helped.

Thanks for the fast reply, the oft game me an email address to report the company too and the Ombudsman have sent a letter of complaint on my behalf to Merrwood Loans and said usually when they get ivolved they stop giving people the run around although I have to give them 8 weeks from today so we shall see how that goes.

Hi all, Just updating on my staus. Today MyLoans refunded the whole £69.99 as promised. However MerryWood has become very nasty, 2 weeks ago I was told a manager was overseeing the refund and then I contacted them last Thursday I was told your scheduled to be refunded tomorrow, yet still no refund today so I phoned up as they are now over the 30 days time frame in the terms an conditions. When I reminded the same woman of this (same woman everytime) she said "well there'e nothing we can do if you are in a queue." to which I re iterated the 30 days has now passed she retorted "Doesn't matter we have 6 months" So I said that the T&C's that we both entered in to overrule the guideline and she replied "Sir, you are going around in circles, I have nothing more to say" then hung up the phone on me. I am livid, I contacted the consumer advice group who are now telling me my only option is a small claims dispute before a court, is there any other course of action I can take? Thanks all.

Hi, just an update on MerryWood, phoned on 17/9/2013 was advised that I am currently in a que and that I will be paid either by the end of this week or the end of next. I now have the feeling that this is going to be the run around line for the remainder of the time I chase them up as the woman didnt even ask my details. I have sent an email to customerservice@merrywoodloans to ask for clarification on my refund as Im concerned how the advisor (same woman) knew the status of my refund if she didnt know who I was. It is plausible that they have a back log I guess, just I have read posts of this reponse dating back to 2011.

I think the money is then theirs as when I spoke to both companies they said that they cant tell if I took a loan or not.

Sorry forgot to mention the bank, its Bank of Scotland.

Thanks for the advise , ye I'm 20 so this is all new to me so I appreciate all the advice that you have to offer. Update: I phoned the bank for a chargeback as suggested, they passed me over to the disputes team who told me they cannot dispute those transactions and advised me to contact the companies, after I explained I already had again, the guy told me that they still could not dispute the transactions and do a charge back for this and advised me to contact trade and standards regarding the companies to seek legal advise. Is there anything else I can do?

Update for myloans.co.uk - 16/9 - phoned to try to get a date regarding the refund. Was told that the refund is put down for 10th October and that it would be paid into the bank account via BACS, which normally takes 2-3 working days. They also said that the refund was for the full ammount. So I shall leave it till the 15th October and see if I get the refund.

Hi there, I have also stupidly fallen into this trap. I usually avoid payday companies but I had a problem and didnt want to rely on my dad to sort it as I normally do. When I saw the companies I honestly thought that they were proper payday companies, however I then got to the next page on them and saw the charges so I came of the page as soon as I noticed them buy by the time I realised I had already given my card details which I assumed was for security checks. I should have taken more time but was in a rush trying to sort finances so I could solve the issue I had on my own that I stupidly overlooked the small print. With the 2 companies that got me was myloans. co.uk and merrywood I contacted my bank as soon as I noticed the money I contacted my bank (ban of scotland) as I wasnt expecting such large transactions from my account. I said that I never authorised the payment as I thought I cancelled it before completion to which I was told that I authorised it as soon as I gave my card details and that there was nothing the bank could do. However they advised me to contact both companies and request a refund, this was when I looked through their terms and conditions and saw the right to cancel, the bank also gave me information for the comapny so they could reverse the charge immediately. First one was merrywoods on 11/9/2013 - I phoned them at 9:15 am and explained the situation she said that they could cancel my account and give a refund which would take about a week. I asked if I could get an email confirming this and she agreed and sent one straight away the email gave me a link to go to a system message mail] which says that its been passed to the cancelations team and that they would refund the money to my account and that it noramlly takes 3-5 wiorking days for the refunds to clear. I will give them til the 18/9 before contacting them again. I also got a woman however she was friendly and nice to me at least, if that helps. The other was myloans.co.uk in 12/9/2013 - I phoned them and also explained the situation to them and they said that they could issue a refund, however I would need to fill out a cancellation form that they could sent me via post or email, so I chose email hoping this would be the quicker option. I received the email about 2 hours later and it contained a word document which I filled out and sent back to them asking them to reply confirming receipt of the email containing the cancellation form. About an hour after I sent it I received an email thanking me for returning the cancellation form and confirming that my application will be cancelled and that I'd be refunded within 30 days. I feel that the repsonses so far are positive however I did some looking around which is how I found this thread and I'v noticed all complaints but only one saying they got a refund which was a cheque from myloans.co.uk. This has left me worried that there could be a strong chance of this money being gone. My hop is that since I have emails from both companies stating the refund, if they fail to issue the refund, mt hope is that I could get my banks help although from their initial response I find this unlikely but worth a shot. Sorry for the long rant but I saw this and though that if I posted here I could get some feedback and also update this to hopefully help tricia44 issue. Id also like to thank you for this thread as it has giving me a lot more information and relieved some of the stress so thank you all in this thread.