PLFinder.co.uk

[blowing bubbles]

Can anyone help please. I applied for a short term loan with these people and gave my debit card details for them to take £49.99 from me once I accepted one of their lenders offers. The money was deducted immediately and none of their lenders have made me a sensible offer. How can I get this money back? These people are preying on the vunerable and desperate, and I feel so stupid that I fell for this [problem].

[renegadeimp]

Sounds like you went with a broker. It's doubtful you'll get the money back as they've done what was asked of them. They found you some pdl loans. It's the risk you take using a broker.

 

Do you have a copy of any contract you signed?

[blowing bubbles]

No, I was not asked to sign anything, not even an electronic agreement. They did state that the money would not be taken until I had accepted one of their lender's offers. As I did not accept them how can they take the money?

[blowing bubbles]

I am tempted to speak to my Bank and advise them that I have been "scammed" I know they could investigate but not sure if this would be the way to go.

[renegadeimp]

Contact the broker first and see what they say. If they say no refunds, go to your bank and contest the transaction and tell the bank that it was an unauthorised transaction. If you used a visa card, initiate a chargeback.

[blowing bubbles]

Tried to contact the broker, 2 telephone numbers and both have recorded messages so no way of speaking to anyone! I have also tried emailing via their website but no response. I will call my bank and see if that works. Thanks for your help.

[blowing bubbles]

How do I initiate a chargeback? Can I do this with VISA Debit card?

[renegadeimp]

Yes you can. Visa now allows you to perform a chargeback on any visa branded card. Some banks are oblivious to this, so google it and take a print out so you can inform them. Also tell the bank that the company that took the money isn't responding to any form of contact.

[blowing bubbles]

Ok thanks again

[crugee]

Hi

 

I had the same problem with a company called Loan and Finance last year. They told me over the phone that they had matched me with a lender that could give me a low interest loan, needing NO guarantor and no accounts. I paid the £59.99 there and then, even though it seemed too good to be true, I was desperate. They basically lied through their teeth and it soon became obvious that I was being ripped off and this wretched company could find me no such loan or lender. I then had a nightmare trying to get my money back. It was more a battle over principles rather than amounts. £60 is neither here nor there really in the grand scale of things, but the fact that these scumbags were lying to my face and and ripping me and untold numbers of other people off on a daily basis really grated. I tried to contact them by phone - no answer, same voice message saying they were all busy handling other clients, then put on hold for 5 minutes, then cut off. I wrote to them several times. Had just one reply which was a general letter saying that they will not refund my money. I wrote to them adding that I will be reporting them to the police and involving a solicitor and I would be pursuing them for not only the initial £59 fee but also £200 I had spent on writing unanswered letters to them, stationary and making unanswered phone calls. Still nothing.

 

In the end I used the financial Ombudsman site online to pursue my complaint. Finally six months later I had a response from them saying they had been in touch with the loan sharks and they had agreed to reimburse me with most of my initial fee - £54.99 I think it was, quoting some legal reason why they kept £5. I had to sign a form accepting this and post it off again. I seriously contemplated turning the offer down and pursuing the bastards for the other costa and wasted time they had caused me. However, I did feel like I had fought for and won a victory, however slight it may be. The truth is this country is full of these ****** companies who take the money from people who are in desperate need of it and give nothing in return. I would advise you to get in touch with the financial ombudsman to get your money back, but be warned, it took me over 6 months to get mine back.

 

May I strongly suggest anyone reading this to LEAVE WELL ALONE if a company tries to charge you an upfront fee for getting you a loan. If you need to borrow a small amount and know you are getting funds soon go for a PAYDAY loan - but ONLY if you know you are getting funds again and when! I found these good: (Apologies for not being able to post the exact link but the site here is telling me I must have posted at least 10 times to be able to attach links! WTF? And these rules are supposed to help WHO exactly?)

 

Quidquick

 

I don't have a great credit rating but still managed to get small loans from these.

 

There are several sites too which give you info on longer term loans for people with less than perfect credit etc. Here's such an example:

 

Inter - financial

 

I found that after applying for a couple of payday loans I was soon receiving quite a few emails and text messages offering similar loans. A nuisance? Not really, once in a while you receive a loan offer that is already accepted, which is nice, rather than having to go through all the usual crap only to be turned down for some unknown reason.

 

The key is NEVER PAY UPFRONT FOR ANY LOAN.

 

I hope you get your money back. Financial Ombudsman.

 

Crugee

[renegadeimp]

Quidquick

 

 

I don't have a great credit rating but still managed to get small loans from these.

Because they dont credit check or check the financial details of an applicant.

[crugee]

Because they dont credit check or check the financial details of an applicant.

 

Indeed, which is the only way many people can get a loan these days...

[renegadeimp]

You don't really need loans tbh. Especially from a PDL.

 

If you think you might need one, search out your local credit union. Or if you get into financial difficulty, dont leave it till later, contact your creditors at the first sign of trouble to negotiate. Chances are you will find that a lot of creditors would happily put you on a lower payback amount on a temporary basis to help you out, or even waives interest/charges on the account.

 

The simple thing to remember is you MUST inform the creditors as early as possible. If you don't, then how will they know, and how do you expect them to help you out? Way too many people leave it to the very last minute and still want their creditors to waive everything, or wipe the debt.