Unauthorised debit of £69.99

[Nell78]

Well, reading what you have said about this company it's almost like I wrote this myself.

 

I have been batteling with them since December and don't seem to be getting very far.

Like you my bank have flat out refused to help with this situation which I find absolutely unbelievable.

 

I was shopping round the internet looking for a short term loan just before christmas and went on to quite a few sites but couldn't find anything that suited my needs.

On 22nd December I was off out to go christmas shopping and discovered when I went to the cash machine that money was missing from account.

there was no record on my statement as to where this money had gone and so I contact my bank to find out what had happened.

 

I was informed by them that a compay called Enhance Finance had taken the sum of £69.99 from my account.

Like you I had never heard of them and challenged this with the bank and asked them to recall the payment.

I was told that

1. The payment could not be recalled because it was a card transfer and

2. they don't get involved with loan companies.

 

I was gob smacked to say the least,

I have never taken out any payday loans of any sort and certainly would not agree to pay someone seventy pounds to find me a loan, mainly because of the financial situation I am in.

 

The bank gave me their number and told me to phone them along with the transaction number which they gave me.

When I finally got through to the comapny they told me it had nothing to do with them because they don't take the payments

and to phone a different number which they so very kindly supplied me with before slamming the phone down.

 

I rang this number and got through to a company that wouldn't even give me their name.

I spoke to someone called Emily Worthington who told me she'd send out some cancellation forms and to return them for a refund but that it would take 30 days for me to receive it.

 

I received the forms that day which I filled out and returned to her straight away.

I also cancelled my visa card as I was worried that they would try and take more payments.

I heard nothing and have not received any refund, but it doesn't end there.

 

I got up yesterday and checked my bank as I had just been paid, only to find that Myloan had taken £69.99 from account.

Again I had no idea who this company was or that they are associated with Enhance finance.

 

Once again I phoned my bank and asked them how this company was able to take money from account when I had no idea who they are AND that I had a new visa card.

Like you I was told that I MUST have made an agreement with them.

 

Once again I explained the situation and once again was fobbed off.

I got in touch with Myloan using the same number I had used back in December (all these companies are under the same address and number)

and asked why more money had been taken from my account when I hadn't even received the first refund.

 

I was told to resend the cancellation forms and send them a copy of my bank statement to prove that money was taken yesterday as they had no record of it.

 

I resent the forms while the girl was still on the phone and asked for an email to acknowledge that she had received the forms.

i then sent a censored copy of my bank statement showing the charge from yesterday. I was astonished at the reply I received from the same girl

... "That's not us, there's another company with a similar name and we didn't take that payment".

I beg to differ because the bank traced it back to them.

I don't know what to do about this second transaction as the bank are refusing to do anything and the comany are denying that they took the money.

 

I went online yesterday and found a site called canyoutrustthem.com and there are hundreds of people who have had exactly the same experience with this comany and it's sister companies. Unfortunately I don't hold out much hope of getting my money back after reading some of the posts.

There isn't one example of anyone receiving a refund.

there must be something that can be done to secure the return of our money from these people.

[42man]

If it was me in your position I would write them a LETTER BEFORE ACTION requesting the return of the money....and if they fail to do this within 14 days, take them to court, either that or you start a complaint with the FOS (who will charge them £500 just to investigate your complaint)...

[Fisco2k]

My bank has just refunded me a similar payment through chargeback.

 

Insist they do a chargeback and quote them the Visa Debit chargeback guarantee:

 

which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards/

 

There is other links which i've got though i'm sure someone else could help with those.

 

Another thing is that you only have 120 days from the date of the transaction so if you say it was december you might want to be quick. (maybe your bank is just stalling you?)

 

I would keep pushing it, ask for a supervisor etc....

[MARTIN3030]

Enhance Financial Services Limited5985471 Categories:

 

Credit brokerage

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

A Loan Please Magic Finance Magic Loans My Loan

 

 

Cottage Street Mill, Cottage Street, MACCLESFIELD, Cheshire, SK11 8DZ

[BrownEggs]

I think this thread relates to my one - can they be merged?