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Have had £69.99 taken from account can I get it refunded


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Any help here would be much appreciated!

 

So, I deceided a couple of weeks ago to try for a payday loan and was surpsrised to be accpeted with the first(or so ) I tried for. I was a bit desperate, now roll forward a week and I tried for another while still currently having the first, this time I couldn't find anyone, I have some bad credit from the past. So stupidly, and out of a bit of desperation, I just googled 'payday loans' and was trying a lot of what I thought were all lenders, but it seems I must/MAY have signed up to a broker also, I thought I was being careful, which I was, and I certainly don't recall seeing anything talking about a processing fee, but I must have, so I find £69.99 taken from my account. I don't even now what website it was, I now have a TON of junk mail, and have searched through it but don't see anything about a fee being taken.

 

My bank tells me it's from a compain called ENHANCE, which after a google is Enhance financial, also known as Quintessential Finance and maybe another name as their parent lender. They seem to have many 'front' company website names, like myloan.co.uk etc etc.

 

So, is there such a thing as a cancellation period, do I have a leg to stand on, how do I get in contact with them, should I go direct to the parent finance companies(enahnce etc) or do I need to find out what website I 'MAY' have signed up for, although I certainly don't ever recall see anything saying I will be paying £69.99.

 

Anything I can do here, ENHANCE financial is well documented on the Internet and also on this site, some people seem to have been successful in getting a refund -mius £5.

 

Thanks for any help.

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Type "myloan" into the search bar.

 

There's plenty of advise here on what to do to get your money back.

 

Personally I'd start by getting in touch with my bank and demanding a chargeback for the unauthorised deduction of £69.99.

It never rains but it pours...

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Myloan is a well known broker that is in blatant breach of the law. Get in touch with your bank and demand a chargeback. Dont take no for an answer.

 

The charges are buried deep in their t&c's

 

19. Card Payment Terms

● These are the terms set out by My Loan with regard to future payments set up by Credit or Debit Card.

● If your payment for £69.99 declines on the day of your application, we will attempt to take £1 on the same day to validate the card details. This process will be repeated until you notify us in writing that you wish to cancel your application or a period of 62 days has passed. If the £1 card validation payment is successful at any stage during the process we will attempt to take £68.99 from the card once a day until you notify Us in writing that you wish to cancel or a period of 62 days has passed.

● You can cancel a Credit or Debit card payment at any time by simply contacting My Loan by email to [email protected] or by writing to My Loan, 5300 Lakeside, Cheadle Royal Business Park, Manchester, SK83GP

● Remember, we won't know when you have had a loan paid out, so you will need to let us know if there is a problem.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Myloan is a well known broker that is in blatant breach of the law. Get in touch with your bank and demand a chargeback. Dont take no for an answer.

 

The charges are buried deep in their t&c's

 

19. Card Payment Terms

● These are the terms set out by My Loan with regard to future payments set up by Credit or Debit Card.

● If your payment for £69.99 declines on the day of your application, we will attempt to take £1 on the same day to validate the card details. This process will be repeated until you notify us in writing that you wish to cancel your application or a period of 62 days has passed. If the £1 card validation payment is successful at any stage during the process we will attempt to take £68.99 from the card once a day until you notify Us in writing that you wish to cancel or a period of 62 days has passed.

● You can cancel a Credit or Debit card payment at any time by simply contacting My Loan by email to [email protected] or by writing to My Loan, 5300 Lakeside, Cheadle Royal Business Park, Manchester, SK83GP

● Remember, we won't know when you have had a loan paid out, so you will need to let us know if there is a problem.

 

So you think a chargeback is the way to go, are they not just going to say, 'you should have read the t & c, so nothing we can do'.

 

And if that fails, should I try an find an email address for Enhance financial or phone them, what are my grounds for a refund?

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I don't even now what site it was that took my money, as I said they all lead back to Enhance or quintessential finance, so should I contact them, if I were to phone them I would probably end up racking up a phone bill similar to the £69.

 

Do you think the bank will be helpful?

 

Should I write a letter to Enhance, I have their address, chances are they will just reply with, 'you should have read t & c''s' if they even reply.

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