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    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Har dee har har! Thanks! Im 3k apart . I need help so they drop the 3 k. But you got that! kr escaped!
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Yes Loans Uk

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Hi , My husband received a phone call from yes loans the other day as we were looking for an unsecured loan we done an application with them and they told us that we had been accepted and what the monthly repayments would be , the advisor asked my husband for his debit card details which my husband gave as he thought it was just part of the application process for verification purposes , Now i have checked my bank account and they have debited £49.50 from our account there was no mention on the telephone conversation of any fees or anything and my husband did not give any permission to debit any money from our account.

I am really angry and I have sent them one hell of an email as i feel they have commited fraud , i have again emailed them today and had no response from either email . Has anyone dealt with these how do i get my money back anyone have any contact details for them pref email addresses.

Thanks for reading.

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Inform the bank that the transaction was unauthorized. They will normally refund it and investigate.


Just some guy. I try to help, but all advice is my opinion.

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I've had the same problem with Carter & Carter Financial / Easy Step Loans, they took £499.99 off me.

 

I tried my bank and they can't do anything about it because I gave my card details.

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Hi Hans Solo!!

 

HAPPY TO HELP

NTYL

Edited by Rooster-UK
Email address removed.

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Just to update all on this site I got my money back off Yes in 3 days.

Edited by Rooster-UK
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We do not recommend giving or taking advice by email or PM.

We help everybody, not just a chosen few.

Information given by email or PM cannot be checked for accuracy.

 

How do you know that you are not giving your details to a DCA spy?

You have no way of knowing.

 

Regards, Rooster.


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Please help!!! My partner applied in May 2010 for a loan with Yes Loans, they took the money and he recieved no other communication! Then they phoned again in June 2010, and he told them that he was not interested and did not have the money! They took it anyway, and on the bank statement it shows up as Mrs Cashback!!! I have since written them a letter, and we have still had no response!!! What else can we do???

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Yes loans are a disaster and I would avoid them at all costs. I made the mistake of conatcting them for a £2k unsecured loan 5 weeks ago. I have a 5 year old default on my file so I knew i would have no joy with my own bank or others on the high street. The initial conversation with them was straightforward enough and I was quoted a favourable repayment amount over 24 months. Then the bull**** started and I fell for it. I was asked to provide my debit card details with the promise of a telephone offer the next morning. My card was debited £69.99 and I am still waiting for the call or any correspondence. I cancelled my "agreement" with them in writing 2 days later and am still waiting for my refund, which I believe they must pay within 31 days. That is tomorrow, so I will wait with patience.

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I am in the process of a court hearing with this company.

I am putting a file together which a great deal of people have sent/emailed me statements of their dealing with Yes loans.

These files are to be presented along side my claim in a court of law,.

Please email me your accounts of this company. The file is getting thicker by the day. email me at : ref2403@live.com

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Hard to believe really, but I received a cheque today for £64.50, £5 less than my original payment. I understand this is their admin cost. I tried several times to get through on various phone numbers but gave up after waiting for ages. So, without actually getting to talk to them I have received my refund without too much hassle, all be a week or so late. Of course the cheque may bounce but I am not expecting it to. My lesson learned is NOT to pay broker fees for doing something that I could probably do myself. Good luck to those of you pursuing your cases further.

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So they have scammed you then????

You have put money into there pocket by calling them, they have had 1 month interest on your money then pay you £5 less...

They state in their T & C's that they keep your card and bank details, so why let them get away with keeping your money, they can put it back into your account straight away.

There sale agent lied to me, and they have refused to give me a recording of the conversation I had with him ( which I am legally entitles to) I have sent 3 recorded delivery letters asking for this and I stated I am willing to pay a £10 fee (which is the maximum they can charge). still no tape even though the letters have all been signed for. Guess what I open a court claim and they respond within 3 days.

If your willing to lose your money and be lied to that's fine...But I for one am not !!

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I agree that they have scammed me, but I feel a complete fool to have fallen for this. The recording of my initial conversation with them would make me squirm. So patient, so understanding and helpful until they had my card details. Then another operator apologised that they had a systems error and basically said goodbye. This maybe was their only lie to me. The rest was clever speak and wording which I fell for. I appreciate they have had my money in their account for several weeks but am genuinely suprised to have got anything back without a real fight. I did pursue a claim in the small claims last year against a million pound company who owed me several thousands of pounds. I entered a claim for several single invoices worth around £1000 each and got my money very easily. However I lost business afterwards and have such become very dubious about pursuing some items through the courts.

I wish you well with yours mate and remain embarrased that I fell for this rubbish ploy.

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Its not clever speak, it is misleading which is a criminal offence to intentionally mislead to gain ...Fraud act 2006

 

I know people can be pressured into giving bank details, even desperate..but read the forums there are hundreds of people they have scammed...now not every one is stupid....they are mislead, I have spoken off the record to people who have worked there and you would not believe some of the stories....

They are given scripts to read, but any slight deviation is deliberately misleading people..like i say is a criminal offence

 

everyone email me your dealings with these con men and i will had them to my growing file to present in court

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How did the court case go?

 

Hi, ref2403 has not been online since August 2010, very much doubt you'll get a reply.


 
 

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