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snowdragon

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snowdragon last won the day on June 25 2016

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  1. already have dx ty, once she gets herself sorted
  2. she does not have sky and only a basic mobile phone, far as know she has no credit cards on a Debit card, as for the rent I bailed her out for now but first and last time, she has checked her account and still no refund so she is going to the back with cap in hand as they say
  3. Friend is distraught, told her go to the bank and explain , she said they will blame her as she has given them over £4k now and she must have known she get nothing at the end, she is scared what they will say but she is facing eviction now as can not pay her rent etc,
  4. she cancelled the loan and silly person paid for it to be done, now they seem making out she needs pay even more despite promises from the of a refund and telling them she does not want the loan
  5. As per our recent conversation with legal transfer team, they told us > about the insurance which needs to be done in order to secure this > high > loan amount of £20000 & your refund of £3551,you need to pay the 495 > > pounds of insurance cost.This insurance is good for you, as it covers > you for any unavoidable circumstances where you are unable to pay the > monthly installments,then the insurance will take care of it. > > Also, this is refundable which means after this payment the total > amount > that you are going to get into your account is > £20000+£3551+£550+£495 > =£24396, without delays. > > Kind Regards, > Linda you will get the money back but with your loan amount only so please do this final process.
  6. this is their last reply As per our recent conversation with legal transfer team, they told us about the insurance which needs to be done in order to secure this high loan amount of £20000 & your refund of £3551,you need to pay the 495 pounds of insurance cost.This insurance is good for you, as it covers you for any unavoidable circumstances where you are unable to pay the monthly installments,then the insurance will take care of it. Also, this is refundable which means after this payment the total amount that you are going to get into your account is £20000+£3551+£550+£495 =£24396, without delays. WTF she asked for it to be cancelled which she has paid for she just informed me
  7. ty DX and Andy, think she thought it was a s c a m , fraud or whatever, she not that good at things like this, she is going check her account again
  8. My friend has told them this and got no response as yet nor any refund, she is giving them till about 2pm to refund it or will be reporting it as fraud and seeing the Police etc, have told her please do not ever do it again or drag me into it, I will do my best keep you updated Sandy xx
  9. be glad when this fiasco is done, she has been sent this now Sorry for all incontinence as we are unable to cancel your loan application due to legal procedure and we are in process of transferring the complete loan amount along with your cancellation fee and refund amount which will take at least 30 min. I request you to kindly wait and I will give the confirmation once the transfer is done. Thanks & Regards, Linda
  10. they are supposed to refund her by midday today but as yet nothing
  11. £ 3551!!!! she needed loan for a headstone for her daughter and a car as hers has had it
  12. she is going tell me how much she has given them up to yet, told her to cancel it and demand her money back
  13. 1. BREAKDOWN OF LOAN Amount of Loan : £20,000.00 Loan Terms : 10 Years Monthly Repayments : £230.00 A.P.R (interest %) : 6.35% (FIXED) Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20,000.00. So,for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March. Your second monthly installment will be due in month of April by direct debit. Once you can make the payment of £230.00, you will receive the loan amount of £20,000.00 in your bank account within 45 minutes. 2. RESPONSIBILITY Although this agreement may be signed below by more than one person, Borrower understands that we are each as individual responsible for paying back the full amount. 3. REPAYMENT The Borrower will pay every month through direct debit. There would direct debit mandate which we will ask the customer to sign. Borrower will repay the amount of this loan in equal uninterrupted monthly installments. 4. PREPAYMENT Borrower has the right to prepay the whole outstanding amount at any time. If borrower does, or if this loan is refinanced – that is, replaced by a new note – Lender will refund the unearned finance charge. 5. LATE CHARGE Any installment not paid within 7 days of its due date shall be subject to a late charge of 0.9% of the 6. DEFAULT If for any reason Borrower fails to make any payment on time, Borrower shall be in default. The Lender can then demand immediate payment on the entire remaining unpaid balance of this loan, without giving anyone further notices. If borrower has not paid the full amount of the loan when the final payment is due, the Lender will charge in interest on the unpaid balance at 4.5% per year. 7. RIGHT OF OFFSET If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or security Borrower have with this lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan. *Note: The Annual per Rate (A.P.R) mention above will remain unchanged entire the loans terms. “Terms and Conditions” CENTRAL LOAN aim to ensure all information as maintain is: ◦current ◦fit for the purpose intended ◦complete ◦accurate CENTRAL LOAN provide two services to the customer: •We can transfer the loan amount in customer’s account •We can fix an appointment with the customer to deliver the loan amount at customer’s place in few cases (Fee may include). These terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts. DATA PROTECTION: We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Best Loans and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the CENTRAL LOAN group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the Best Tenant Loans group except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you. GOVERNING LAW: The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise. LOAN INFORMATION: All loans are agreements regulated by the Consumer Credit Act 1974, which lays down certain requirements for your protection, which should be complied with when agreements are made. If they were not, the creditor (LOANS) cannot enforce the agreement against you without obtaining a court order. Written quotations are available on request. All lending is subject to appraisal of the applicant's financial status. To apply, you must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). APR details are correct at time of publication. Certain purposes of loan may be excluded or have limited repayment periods. The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors. Terms of agreements will be clearly disclosed to you before you sign the agreement. You will agree to pay the Total Amount Payable on the agreement by the installments and at the times stated. If two or more of you sign the agreement as the Borrower, you are liable jointly and severally, that is together as well as separately. If the loan is secured by a Legal Charge over your property, normally your main residential address, you must sign and have witnessed the Legal Charge as a separate document accompanying the agreement. Products and offers are subject to conditions and can be withdrawn without notice. EARLIER PAYMENT OF YOUR LOAN: You have the right to repay your loan at any time during the repayment period by giving notice in writing. To do this, you will need to pay off the amount you owe under your agreement which may be reduced by a rebate (reduction) of part of the interest. RETURN, REFUND AND CANCELLATION POLICY: You have the right to cancel in writing up to 14 working days after the loan has been issued. Should you have already received the loan funds, you will be charged interest on a pro rata basis from the date of issue until funds are cleared in our bank account. You have the right to a refund or return of loan repayments accidentally or unintentionally made to us or collected by us. Refunds will be made as soon as practicable but normally within five working days of us being informed. You have to right to cancel your loan application if the loan amount is not credited or deliver in your bank account or home address then CENTRAL LOAN will refund the amount you paid within 24 working hours* (*Condition Apply) DELIVERY POLICY: Our loan agreement will only come into force when both you and we or our authorized representative have signed it or agree over the phone. When the loan is made we will open an account in your name(s) and debit it with the Total Amount Payable The loan (Amount of Credit) will be delivered to you by transfer into your bank account, cash or by another mutually agreed method. Once your loan application has been approved “in principle” and subject to our usual underwriting criteria, your loan will be issued within two working hours of receipt of all the required fees. ANNUAL PERCENTAGE RATE: APR is a standard calculation used across the whole UK finance industry. It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking: I hereby certify that all the information given above is true to the best of my knowledge. If any of the above information is found to be incorrect at a later stage, I shall be liable to be disqualified/ refund for the personal loan. Regards BORROWERS SIGNATURE CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746 full load agreement
  14. no, they do not take credit or debit cards, all done by bank transfer
  15. we need to prepare Non-guarantor paperwork for you which will cost >>> you >>> £895. This paperwork will act like a guarantor for your loan for >> the >>> whole loan period. Before we provide this loan to you we need to >> make >>> >>> sure that after you receive this loan we should not lose the money. >> So >>> >>> we have to show to the financial conduct authority that you can pay >>> your >>> repayment on time. >>> >>> So, in this case you are required to pay the Guarantor paperwork > fee >>> of >>> £895 which is just the one-time payment and will be refunded along >>> with >>> your loan amount. Once, you cleared this guarantor fee than we will >> be >>> >>> able to transfer your funds to your bank account within 60 minutes >> of >>> time. >>> >>> Note:- Just because of paperwork your transaction is on hold please >> do >>> >>> this & get your money before 12 today. >>> >>> Regards, >>> Linda Thomson >>> Manager >>> Account & Transfer what she has now been told as well as this Cancellation on this stage of the loan will cost you with 590 pounds >> as >> this amount is been debited from our account,so please do the final >> payment and get the amount sorted for you. >> Your co-operation will be much appreciated.
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