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    • Thanks so much. My initial thought was that if they had a leg to stand on they wouldn’t be offering discounts, they’d be taking action. Just wanted to double check    Almost four  years have passed since they started harrassing me and it was just a horrible throwback to being a broke student and worried sick that I couldn’t come up with £200. So odd that they’re picking this up again after so much time has elapsed 
    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
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meandbex

NO worries loans

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Hi for any one who is interested i got my money back from no worry loans to day it was put back on my card minus £5.00 which i can live with,i spoke to no worry laons in april for a loan,then changed my mind i called them and they said not to fill in the forms and send them back with a letter to say i do not want the loan,which i did,i waited no refund so called and was told it takes 30 days so waited,on the 54 day called and was told it's 30 working days,which i no is not true so went on to there T&C site and found the bit about you can have a refund after 30 days i faxed it to them with a letter to say they have broken the law and that i had been in contact with the FOS and a solicitor who will be taking legal action against them,i called on Tuesday and was told the money is going back on my card,yesterday no money,so sent another fax to say that all the calls i have made to them promiseing me my refund i had recorded so now i will forward these to my solicitor and the Fos,as by law they have to do what they promise when it is showing on there T&C site r face a huge fine,well as i said in my first line have got my refund,it's taken 2 months but better than some i have read on here,hope this help loads of you who are all in the same boat

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i still have not heard anything at all from the FOS!

 

Tried No worries last week promised a call back which i did not get. Trying to get through to them as i type this!!!!!!!!!!

 

 

 

Hi this is suger read the page i added this morning it might help:)

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Did you get your money refuned. I also have a charge today of £61.50 from loan-centre.net. I am furious. I have other bills to pay and the terms and conditions state the charge is £9.00 a month, slightly different to £61.50. They have no contact details which is infurriating, I have emailed and awaiting reply.

I have also had to cancel my card so no further payments can be taken, my car tax is due tomorrow so this is a real stress/inconvience.

STAY AWAY FROM THIS COMPANY IS MY ADVICE!!!!!!:mad:

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same thing asked for a loan in April 2010, debited my account without any approval-this company baseed at Tintern House, Cwnbran NP44 3AB gives you the "run-around" and I've never been able to speak to a so called Customer Service employee - sent two cancellation letters! all on first name basis the salespeople due to "data protection" they say they are a big company but they seem to know each others first names (smiles) other contact number is 0844 576 0207 which gets you through eager to get your debit card detail again as a potential new customer but when quoting your loan reference they confirm cancellation and then put you through to music and no one ever answers.. Small claims Court seems to be an option which I intend to try..Still haven't any replies or telephone calls - but I'll keep you informed think BBC1 R-Traders might be interested if we can get volumes of people.. What do you think? Another conatct is their fax 0844 856 9021

Edited by MrJamesKirk

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well i finally got a call from NO Worries yesterday who have said that I must write to them to formally cancel the application in order to obtain my refund. I posted that last night to them so will wait and see if I get it within the 30 days deadline they state

 

As for the Loan Centre I cannot obtain an address for them, and after e-mailing them I got a reply asking why I wanted the address. I stated I wanted to write a letter to cancel my membership. They said I could not and I have heard nothing from them at all since last week after the email.

 

Anyone have an address for them?


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Name & Registered Office:

THE LOAN CENTRE LIMITED

39 WINTERBOURNE ROAD, HAYDON END

SWINDON

WILTSHIRE

SN25 1PZ

Company No. 05735381


Anthrax alert at debt collectors caused by box of doughnuts

 

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Thanks for that.

 

I also found this address for them..

 

 

 

loan-centre.net

46 Alexandra Street, Southend, Essex

SS1 1BJ


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The one I posted is their registered address with Companies House.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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what a monumental waste of time-absolutely getting no where. Have wrote to both companies on 21st July. I got a reply from No Worries on the 22nd july saying,-

 

The details of your complaint have been passed to this department for investigation. We place a great deal of importance on the level of service that is provided to our customers and every effort will be made to ensure that your complaint is dealt with quickly and profesionally.

 

The funny thing is,it wasnt a complaint but a letter of cancellation. I have called them and i am have been on hold 40 minutes now.

 

The loan-centre have also not called or wrote back to me at all. Not happy. Something really needs to be done about these companies.

 

I feel a drive coming on to the offices.


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Lloyds TSB £3874

Loans.co.uk (GE Finance) £1504.77

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what a monumental waste of time. Have wrote to both No Worries and Loan Centre on 20th July. Had a reply back from No worries on 22nd july saying,

 

The details of your complaint have been passed to this department for investigation. We place a great deal of importance on the level of service that is provided to our customers and every effort will be made to ensure that your complaint is dealt with quickly and professionally.

 

Thing is it was not a complaint i made so therefore there is nothing to investigate-it was simply a letter to cancel the application after they told em to do so. Absolute joke. I have just called them and i have been put on hold and have been now for 45 minutes.

 

The loan centre have made no contact with me at all.

 

Financial ombudsman are a waste of time. Not happy. Something needs to be done about these companies.

 

I feel a road trip coming on to pay a personal visit.


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Recieved a letter from No-Worries Loans yesterday............they are sending me a cheque for £74.95 8)


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Hi,

I also applied for a loan with No worries loans on Thursday and they asked for my debit details I queried why they wanted them at this point and the lady over the telephone said it was just to verify that I have a valid bank account. I asked her that I hope it is not to take any fees out and she reassured me that it was for the reason she gave over the telephone. Today my card has been debited for £79.95 from no worries loans and because of this I am now over drawn in my account. I called them up and they hung up twice on me and I really do not know what to do, can any one advise me on what to do next?

Thanks.

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Hi Albi_86,

 

Well, as you clearly did not authorise the transaction I would contact you bank and say dispute the transaction.

 

uteb.


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albi, you just need to follow the process as i have from the information provided already. You MUST write to them asking to cancel your application and it MUST be by recorded delivery.

 

They then "investigate" the matter-but be warned its taken me months and there is no point calling as they purposely keep you on hold for over an hour or more

 

up to eyeballs- it troed that with my bank, but in their eyes i willingly gave them my card details so therefore it is no an unauthorised transaction

Edited by meandbex
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