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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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Anyone heard of Castle finance direct?

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A while ago I got a letter in the post from this company offering loans, I went online and filled in the application form, now it is not a website at all...just an application.

 

I filled it in and then started getting phone calls from all loan companys with horrendous APR so I refused the loan.

 

Recently I purchased my credit file and there are lots of searches from all different loan companys

 

I rang them to see why they were searching my file without my permission, they said they got my details from a broker.

 

Now if you take a look at [EDIT] you will see its just a basic form and does not state anywhere that they will pass your details on to a 3rd party, nor does it state they are a broker. I thought they were the ones who would provide me with the loan.

 

I cannot find an address or telephone number listed anywhere for these people and I want to tell them to stop passing my details on.

 

One company citifinacial searched me 4 times in 8 months but has never offered me anything.

Edited by Rooster-UK
Commercial link removed

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The website is not compliant with company legislation, and as it stands looks like an identity theft dream.

 

Googling 'Castle Finance' brings up all sorts of high-APR loan sites. Do you still have the letter? Their address and company registration number would be of interest, and help in looking at the best way to stop them.

 

I'd be inclined to report them to Trading Standards.

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I cant find the leaflet they sent, I have searched everywhere.

 

I`ll give trading standards a ring in the morning.

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A WHOIS reveals that the website is registered to a residential address in Gravesend, Kent, and owned by a sole trader. However, Companies House shows Castle Finance Direct to be a limited company, with a registered address also in Gravesend. As a limited company, the registered number, place of registration and registered office address should be shown on the website.

 

They are registered with the Information Commissioner and Companies House at:

 

UNIT 4

THE MEWS

WROTHAM ROAD

MEOPHAM

GRAVESEND, KENT

DA13 0QB

 

Curiously, there doesn't seem to be a phone number anywhere...

 

Digging about, I discovered that Anthony Clayton, the man behind Castle Finance Direct is also running Wentworth Direct Finance - they share the same address. They were apparently in trouble with the OFT a couple of years ago because of misleading ads. Google the Wentworth firm and you'll find various references to them - none positive. They get paid for passing on your info to loan companies - and also ask for a 'broker's fee'.

 

They should definately be reported.

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Thank you so much for finding out this information for me :)

 

I will definatley be ringing trading standards in the morning.

 

I just hope there is no identity theft going on, I am annoyed with myself now as I am usually so careful.

 

Do you think they have broken the data protection act by passing my details on when it does not state anything on the application form about passing details on to 3rd parties? :???:

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Do you think they have broken the data protection act by passing my details on when it does not state anything on the application form about passing details on to 3rd parties? :???:

 

Almost certainly. You can ring the Information Commissioner's office helpline for confirmation.

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For anyone out there who needs info on this company; I just got there leaflet through the post-there telephone number is 0870 421 4834 address:

 

Castle Finance Direct

FREEPOST NAT 19327

Crossways

Dartford

Kent

DA2 6BR

 

[EDIT]

 

It does state on the paper application form 'In using our services you are authorising Castle Finance Direct to place your loan with a relevant lender who may credit score your application' in tiny tiny writing at the bottom of the page. Note it says A relevant lender-not multiple lenders!

 

Although the accompanying letter makes out like the loan comes directly from Castle Finance Direct & states 'PERSONAL UNSECURED LOANS From Castle Fincance Direct' at the top of the leaflet!

 

There is no registration number anywhere on either application form or accompanying letter?

Edited by Rooster-UK
Commeercial link removed

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i am so glad i googled castle finance before i attempted to even go near them this forum has been an eye opener and the leaflet sent to me has been put through the shredder!

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i wish i had googled castle finance before i filled in the online form! i checked all the small print and everything do you think there is anyway you can retract an application??? the phone number tells you you can fill out the form of you can go online then it hangs up grrr!!!

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I'd just write to them at the above address telling them that you no longer require the loan that you completed an online application for; send it recorded delivery.

Have you not heard from them (or anyone) since submitting your application?

I would have thought that you would need to sign documents/a loan agreement that would be sent by the lender by post before they gave you any money?

 

Mel

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hitchin23 as long as you have signed no agreement or contract then there is not much to worry about. filling in an on line form does not tie you into anything with this company they have to have a signiture before anything is legally binding. i have checked the site where the form is and it is pretty standard for an online form. if you get any correspondance from them do not sign anything irregardless of how they word it just ignore them from now on they may try and keep sending you stuff but dont be fooled by them some of these companies can be very underhanded in how they word - unless you put your signiture on anything there is nothing they can do - hope this helps

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Just to add if they do keep sending you correspondance, just return it to sender, that should do the trick.

 

Mel.

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totally agree with that melly31 but one better is if they send you a load of forms and leaflet with a prepaid envelope just post all thier junk and send it back in thier envelope - that way they get charged for receiving thier own junk mail back - petty i know but it does give you a small degree of satisfaction

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totally agree with that melly31 but one better is if they send you a load of forms and leaflet with a prepaid envelope just post all thier junk and send it back in thier envelope - that way they get charged for receiving thier own junk mail back - petty i know but it does give you a small degree of satisfaction

 

Ah, what a refreshing change to find someone after my own heart! Lol.

 

Excellent advice, bravo.

 

x

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Everyone be very wary of Castles 'sister' company Wentworth direct finance, they will say that you have already been accepted and then ask you to send a brokers fee of £50, this I stupidly did, only to be passed onto a company that rejected my loan application ! £50 GONE !! I have just sent back the castle form to the Dartford address (Not filled in of course !)

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Just thought I'd post an adequate response that I'd found on other forums regarding Wentworth; this seemed adequate!!!!

 

Avoid like the plague,

I got the same letter last year, sent off my cheque, and all I got was more hassles.

They pass your details on to another 'broker' who then sends out your details to all the high interest rate lenders, e.g. citi finance, you then have to take time off work, go to their offices, wait for about 3 hours, only to be told you can have a loan but they will not 'give' you the money, they will contact all the lenders etc. directly, !The interest rates were about 40%, totally stupid,

I finally got my money back, less £5 administration fee, after complaining and writing several letters, i told them that the letter was misleading, as they only done what i could have done, applied to any old dodgy company, I had so many calls at work from loan companies saying i must call back an 0906 number etc. to get my agreed loan, they could only have got my work number from wentworth,

sorry to go on but please don't waste your time or money, just bin the letter,

hope this helps

 

End of quote!

 

Mel

 

x

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do not give up contacting wentworth to get your broker fee back!! they count on messing people around so much that they give up and they get to keep the fee - so be persistant and annoying and you should get your fee back

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just to update on the information about these companies - i have managed to talk to someone who actually fields calls at a central call centre for wentworth. wentworth have no actual phone numbers they do not issue them as they do not want the public to be able to harass them for the shoddy practises they have. anyway i managed to find out that after they have passed your details out to all unsundry they then hold your broker fee for a minimum of six months! how many people would pursue these people when they can not be spoken to for six months this is what they count on to keep your money - so although i did not get any numbers i did get the name of the refund manager so that all correspondance sent goes directly to her and that usually when you write and complain strongly enough then they will refund the money before the six months are up so start writing your complaint letters to

jenny sheppard

refunds department

wentworth direct finance

freepost sea 9712

wrotham road

gravesend

kent

DA13 0BR

good luck to anyone needing this information and i hope you get your money back

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Maverick 9

 

I have just put a copy of your last years post on the current Wentworth Finance postings, hope you don't mind

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Well I am not sure Maverick will see this here-since they have not been on CAG for 15 months !


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hello everyone,

i actually did not read the reviews before i applied for a loan with castle finance direct and when i gave my details over i was surprise to hear from them next day and they offered me a loan. the APR was little bit higher than what i was expected but i desparetly needed money to by a car to get to work. i accepted the offer and i got the money in 3days. i was actually really happy. i thought i might share my experience with castle finance direct. thank you

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Well I am not sure Maverick will see this here-since they have not been on CAG for 15 months !

 

 

ok maybe im not fully functioning this morning but the point of this is what exactly????

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Please do not use Castle Finance. I did, for 24 hours before sending an email and letter of cancellation and only after reading the information on this site. I got my money back minus a £5 admin fee. However I have been inundated with text messages and telephone calls from very high interest rate lenders. Fortunately I can block calls and text messages on my phone. However some of the calls/text appear to be from (on occasion) other "brokers" which strongly suggests that the details I supplied have been passed on (or I suspect from conversations I have had, sold to others). I suspect that there are financial and data protection regularities as a result of what I have witnessed.

I strongly suggest you avoid any contact with this company.

 

If in doubt, no matter how much you need those pennies...............get sound advice and do not give out personally identifiable information to anyone unless you, or someone you really trust can vouch for them/him/it. It's just not worth the hassle, sleepless nights, crying etc etc that trying to sort debt may cause you and your loved ones any more misery than the debt is already causing.

 

Good luck out there and scuse the following spe(ee)lling... semper in feacibus sumus, sole profundum variat.

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Guys HELP they call me about a loan approval so they ask me to pay 180 the first payment of the loan and after 25 minutes another 250 for transfer fee .So they are [problematic] ? I have bank

Numbers sort code and bank What can i do now

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