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Hi i have used this site on a few occasions and would appreciate any advice on the following mess.

At present I am on holiday and had a cash shortfall (as always) so I typed in payday loans and proceeded to fill in the required areas only to find I was passed from one company to another all with promise of immediate payment, to cut a long story short as of 27/8/13 I have been charged varying amounts from the following companies

Money warehouse

Smile

Merry wood loans and a couple more ranging from £27 to £69.99.

 

Having looked into this I realise these companies were brokers and these are membership fees, the original amount I needed was £300 well the amount taken out of my account this week has surpassed the £300, I have been reading on here re this so have done the following rang the bank, to no avail as they are saying its my own fault and I willingly gave my details, contacted each company requesting a refund on there Cancel policy although I feel things went to smoothly, I am being bombarded with up to 80 emails a day and 30 phone calls a day. So I have taken advice from here and transferred my remaining money into another account, which is to pay direct debits, yesterday I transferred £30 for a D/D only for Smile to take £28 of it , I have had to cancel a lot of the d/d as I wont have the money to pay them until I get the refunds that I am due, following the horrendous year I have had, this holiday payed for by my parents has turned into a living night mare, any advice would be greatly accepted and appreciated and I apologise sincerly for my total act of stupidity.

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I feel this is another interesting thread brewing.

Busy at the moment.

But looking forward to where this will go.

I will be back later to see latest developments.

tricia44 nice of you to put your story on.

A beginning,a middle-where the end be-we will see.

What we can do,with the banks,the brokers for you.

Time to calm down and have a cup of tea.

Nothing stupid.Many people are being caught by their slick advertising and promises.

And their constant emails,etc,etc,etc.

Money-Smile-And Merry-feel free to mention the others,if you want to.

I can hardly wait to get to grips with them.

Today i have been writing about the lenders and brokers and others.

I have to get out for a while.I am going for a walk along the shoreline.

To release the anger and frustrations i am feeling about them.

And to calm down.

But will be back.I promise that.

Edited by tawnyowl
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I feel this is another interesting thread brewing.

Busy at the moment.

But looking forward to where this will go.

I will be back later to see latest developments.

tricia44 nice of you to put your story on.

A beginning,a middle-where the end be-we will see.

What we can do,with the banks,the brokers for you.

Time to calm down and have a cup of tea.

Nothing stupid.Many people are being caught by their slick advertising and promises.

And their constant emails,etc,etc,etc.

Money-Smile-And Merry-feel free to mention the others,if you want to.

I can hardly wait to get to grips with them.

Today i have been writing about the lenders and brokers and others.

I have to get out for a while.I am going for a walk along the shoreline.

To release the anger and frustrations i am feeling about them.

And to calm down.

But will be back.I promise that.

Hi and thank you for your reassuring response, the other companies that have withdrawn money from my account are: Loans Direct Uk, My loans, Go cheap and money warehouse.

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Hi tricia44,

 

The broker companies have to refund you the broker fee minus 5 GBP which they can keep. Most of the companies you listed will do this if you request it in writing (e.g. email), although they have up to 30 days to do so (which I guess leaves you short of money for this month if you were looking for a payday loan in the first place).

So make sure to send each of these companies a request for refund.

 

I would also report them to the OFT as it seems they have passed you around which should not happen (they should only pass you to actual payday lenders, not other brokers). The OFT will then investigate, but they will not get involved in your case directly.

 

As a word of warning: Do not take out a payday loan. Never. Ever. There must be another way. Ask your local credit union. If you are starving, go to a food bank. If your car is not working, hitchhike to work. Ask friends or family for help. Anything really, but not a PDL. Even in your current situation please do not take out a payday loan. There is such a high risk that it will spiral out of control very quickly. You might start borrowing 300 GBP to get you over this month, but where do you take the 390 GBP next month to pay the PDL back? I started only with a 100 GBP PDL loan a few years ago and ended up in the tenth of thousands of debt, paying over 1000 GBP in interest alone month after month.

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Hi and thank you for your reassuring response, the other companies that have withdrawn money from my account are: Loans Direct Uk, My loans, Go cheap and money warehouse.

 

Which bank are you with.

Who did you speak to at the bank regarding charge back.

Did you ask for charge back

Or just have a conversation about the problem.

Have a read of this thread

http://www.consumeractiongroup.co.uk/forum/showthread.php?400568-Help-Needed!-Loanspotter-Broker-Fee-struggling-to-get-a-refund!

 

And this.

http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback/

 

Chargeback troubleshooting

 

If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.

Chargeback is not very well known about and some bank staff may not be aware of this rule.

If your card provider rejects your chargeback claim, you can take your case to the Financial Ombudsman Service within six months of your final correspondence.

 

I see the payments came out on 27/8/2013-so you should get all money back.Or most of.

If you sent instructions to cancel within the cancel policy period

If you do not get your money back,well,let battle commence.

The passing round problem needs looking into perhaps.

I hope this is reasonable advice.

If others can correct add,please do.

It has been a long day.

Edited by tawnyowl
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Just checking a few of the Brokers out.The ones you have and some reviews.

1a- Merrywood Loans

 

http://www.complaintsboard.com/complaints/merrywood-loanscouk-unauthorised-use-of-card-details-c656632.html

 

1b- http://www.canyoutrustthem.com/index.php?go=quick_search

 

2a- Loans Direct-Loanspotter

http://www.complaintsboard.com/?search=loans+direct

 

2b- http://www.canyoutrustthem.com/index.php?go=quick_search

 

3-a-Money Warehouse

http://www.reviewcentre.com/Payday-Loans/MoneyWarehouse-www-moneywarehouse-co-uk-reviews_1768267

 

3b- http://www.canyoutrustthem.com/index.php?go=quick_search

 

 

4aYes Loans

http://www.reviewcentre.com/reviews95640.html

 

4b- http://www.canyoutrustthem.com/index.php?go=search&adv=yes&company_name=33#start

 

5- My loans

http://www.canyoutrustthem.com/index.php?go=quick_search

 

 

Enough for now,i feel.

Going to lie down in a darkened room.

I may add some more info later,but is there a need.

Stay clear-avoid at all cost comes to mind.

If any links come up blank-just put the name in the search box.

Edited by tawnyowl
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Hi and thank you for your reply's and encouragement.I am going to update my situation and ask for info regarding yet ANOTHER costly incident. Firstly as things stand:

27/8 Loans Direct took £69.75

27/8 My loan took £1.00

28/8 My loan added £1.00

29/8 Merrywood added £1.00

29/8 Go Cheap took £64.99

29/8 Money-warehouse took £27.31

29/8 Merrywood took £1.00

29/8 My loan took £69.99

30/8 Merrywood took £69.95

2/9 Smile finance took £26.34

4/9 Money warehouse added £27.31

4/9 Smile finance added £26.34

5/9 Loans Direct added £69.95

9/9 go cheap loans added £64.99

10/9 I rang the bank today to be told that another company has taken £64.99, this hasn't shown up on my statement as yet, but has definitely gone from my account. I will update further when I no who this is.

 

Well I don't no where to start, following advice from here the 4 company's that have refunded me, have been very good I told them of this stupid situation I have got myself into and that my D/D had gone unpaid including my mortgage, gas and electricity and they more or less gave me immediate refunds, I am still waiting on My loans and Merrywood.

 

My loans have said I should have the refund by Friday, but Merry wood are a different ball game, I have rang several times, I think its the same girl that answers and gives different names, she is so rude.although she is saying I am in a queue for a refund, she will not give me confirmation via email or any other method, that I am actually getting one, today she told me not to ring again and has said that she has emailed me with confirmation ( she hasn't) anyway to cut a long story short I don't think I am going to get my refund, I am so angry and feel so stupid.

 

 

Whilst on this terrible journey, something else has come to light a company called Shoppers Discount and Rewards have been taking £10 pm from me, I had no idea this was happening, when I rang they told me whilst paying my Freemans Catalogue a popup appeared offering me £10 discount to which I clicked on, as of then I was a paying member,because I have never used this service they told me I could get 3 months money back £30 but when they told me I had been paying this from October 2010, I kicked up a terrible fuss and they have sent me a form to fill in to get the total amount £360 back, my question is has anybody had any dealings with them and is it likely that I will be refunded ?

sorry for the ramble

 

 

In anticipation of any help that can be offered I am signing off

Your sincerely

 

The most stupid, idiotic person on the face of the planet

Edited by citizenB
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Hi tricia44

You are not the the most stupid, idiotic person on the face of the planet

Never feel like that.

You have been targeted by predators with slick advertising methods,that is all.

How long they plan these,or who helps them set these things up i do not know.

I will look deeper into Merrywood ,see what i can come up with.

I will be back.Just up to a few things at the moment.

Also,will take a look at the problem with Shoppers Discount and rewards.

And remember it is only people like you who tell us,and others about these kind of problems

that we can try to get to grips with things.

 

Just think where this money,your money has perhaps been invested in.

MMM,to many just thinks.Have to come up with something else.

 

Say 10000 people had 50 pound taken for 6 months.500,000 pound.

 

Just imagine if they invested your money that you did not get your loan with anyway.

In say,the new investment vehicle for paydayloans coming soon.

Promising 40% net. For 6 months

A really rough est here but £105,000 profit to them for doing nothing.

Using other peoples money.Wow, can you see,grrrr

Keep your spirits up,you will get there.

Tawnyowl

 

Sorry half the post vanished grrr-will do again.

Maybe there is no need ,the point is made perhaps.

Edited by tawnyowl
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I really think you should be making a complaint to the OFT and Financial Ombudsman ! What a dreadful situation to find yourself in :(

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Quote-

 

Well I don't no where to start, following advice from here the 4 company's that have refunded me, have been very good I told them of this stupid situation I have got myself into and that my D/D had gone unpaid including my mortgagelink3.gif, gas and electricity and they more or less gave me immediate refunds, I am still waiting on My loans and Merrywood.

End Quote

 

Just letting you know,i am going on a mission now.

To find out about Merrywood

Will not yet bother with My Loans as they have promised you a refund by Friday

But if not will do more research and ideas of how to tackle them.

As these companies have affected you in a way that i find terrible,we must have a go.

Back soon.

 

At the moment you have had refunds from some.

Were these full refunds or partial.

Did any of them find you a loan.

I am sorry if i missed any posts saying you did get some loan after contacting the brokers.

What area of the country do you live in or what town.

Got a few sneaky ideas.

If you do not want to put this info on the forums PM me.

If you do not want to ,i understand completely.

 

For future reference

Complaints

 

1- - http://www.oft.gov.uk/about-the-oft/legal-powers/legal/competition-act-1998/complaints#.UjCiA3-bKsE

 

2-

how to complain

 

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

 

Merrywood Loans.

 

WE PROCESS IN EXCESS OF 2,000 APPLICATIONS A DAY!

 

MMMM-Interesting.

 

Not finished yet-just having a few connection problems

Just warming up.

Will edit and add as the evening progresses

I am reading your posts as i wander off every now and again.

But will be back

There is something of the night about these brokers.

Say 2000 applications a day 7 days a week@ 69.95

979,300 pounds- just saying.

Does not mean anything yet.And hopefully my maths are correct.

And that is just one company

Holding your money for different times,say a week, a month,six months.

Doing what with. Interesting.

Perhaps some do not get back,do you have to apply or is it automatic payback.

Can anyone tell me.

 

 

As for your bank Nat West-

Chargeback troubleshooting

 

If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.

Chargeback is not very well known about and some bank staff may not be aware of this rule.

If your card provider rejects your chargeback claim, you can take your case to the ombudsman-link at top

 

 

 

If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.

Chargeback is not very well known about and some bank staff may not be aware of this rule.

If your card provider rejects your chargeback claim, you can take your case to the ombudsman-link at top.

 

Complaint 1--There are many.

 

i have not money in my accouny all gone. i need claim they money me back refund. i am very upset its very expentive not cheap make me despressed and worry about my council rent every weekly 71.49. please they money me back post cheque not my visa debit.

 

Complaint 2---

 

.I was looking for a short term loan and when this company tried to take the payment the first time it was declined due to lack of funds. I thought that this was the end of it and certainly didn't expect the payment to be taken almost a week later. I can't find anywhere that it says that the transaction will be attempted again if it failed the first time. I am in receipt of E S A and I can't afford this loss. The whole reason that I was looking for a short term loan was because I needed money not because I wanted to spend it needlessly. I really need to get this money back but I don't know how to go about it. Merrywood Loans seem to have an answer for everything.

 

Take a look yourselves.

http://www.canyoutrustthem.com/index.php?go=quick_search&keyword=Merrywood+Loan

 

There are many more complaint sites as well.

 

I could put many more complaints on,all similar to the ones above.

The directors name and address is known to me now.

I will email or phone within the next day or two and ask a few questions.

I do not mind having a good chinwag with these kind of firms.If possible.

Maybe it would be a good idea to send a registered letter to his address.Maybe i will.Just time gets in the way of many things.

Supporting you tricia44

As i have said a few times-The story has a beginning a middle but no end yet.

Let us see what develops this week

And sometimes you see things perhaps twice,what is meant to be is meant to be.:wink:

 

Quote- tricia44 " Today she told me not to ring again and has said that she has emailed me with confirmation ( she hasn't) anyway to cut a long story short I don't think I am going to get my refund." End Quote

 

Oh yes you will

It will be back out of their till

We are the team that will

So you can pay a bill

 

MMM-perhaps i am not a poet after all.

Looking forward to the challenges ahead but one thing is guaranteed-we will win.

Never give up.Oh no i feel a tune coming on.I had better resist.

Keeping watch as things develop

Tawnyowl

Edited by tawnyowl
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Methinks another potential article for next months CagMag

 

Although your first post (to me anyway) wasn't that clear, are you saying that you went to ONE website, filled in the details and then they passed you on to another and the second passed you on to another etc. As far as I know that is the only way they could fleece you continuously.

 

This is the boring bit. Before ticking that box, check the terms and conditions first. If they don't have a link for the terms and conditions before you apply-bargepole comes to mind.

Also, do your research too. You may think you are working with different companies but in reality, you could be dealing with one company with mutiple trading names.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi and thank you so much for the responses, the amount taken today was from Loan plus more, I have contacted them and have to put it in writing for a refund, a few of these companys have free post for these letters , I chose recorded delivery just to help matters, the refunds have been in full, they havent even taken the £5 suprisingly, I have rung Merrywood 3 times today and there not answering there phone and none of them found me a loan as I didnt proceed any further with the hundreds of leads that began hassling

me, I have also spoken to the bank ( Nat West) again today who are saying they cant help as I gave my details, ggggrrrrr I am so angry. I Live in Manchester but am currently considering a one way ticket to Timbucktoo :0)

seeing you lay things out like that Tawnyowl has made me realise how terrible theses companies are, I feel like I am coping quite well, due to the help and advice on here, but I feel desperation and sadness for others that arent so lucky to be getting support and help

Kind regards

Tricia xxx

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WHy put it in writing, get to your bank and start chargeback proceedings. And get those companies blocked. Dont listen to the phone monkeys who will tell you that you cant stop payments. You can stop them anytime you like and the bank MUST comply.

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

:D

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Hi just to clear things up, I applied to the first company thinking instant cash and when the reply came back it was saying they would contact in 24/48 hours as this was no help I went to the next one and got the same response, I made a further 2 applications still blind to the fact theses companies were Brokers, within an hour I was bombarded with 100's of calls and text and at least 40 emails per day, the following day the money started coming out, at this point the penny finally dropped, what a total fool I had been

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Quote- tricia44

Whilst on this terrible journey, something else has come to light a company called Shoppers Discount and Rewards have been taking £10 pm from me, I had no idea this was happening, when I rang they told me whilst paying my Freemans Catalogue a popup appeared offering me £10 discount to which I clicked on, as of then I was a paying member,because I have never used this service they told me I could get 3 months money back £30 but when they told me I had been paying this from October 2010, I kicked up a terrible fuss and they have sent me a form to fill in to get the total amount £360 back, my question is has anybody had any dealings with them and is it likely that I will be refunded ?

sorry for the ramble End Quote.

 

I enjoyed your ramble.

No ramble to me,once again you have told us of your experience with them.That may help others caught this way.

I have only just started looking at them,i will spend a little more time on them.

Suppose you have now filled your form in,sent off,and now awaiting reimbursement of £360.00.

Have they said you will definitely get this amount.

At the moment for a while i will leave them be.

Maybe give them a phone to see if your payment has been sent.

 

A small article,as they perhaps have hopefully dealt with the matter i will only put one on for now.

If your payment does not arrive i will delve deeper,i assure you.

 

 

Shopper Discounts & Rewards could cost you dear

 

Read the small print before accepting Shopper Discounts & Rewards, warns Miles Brignall

 

 

http://www.theguardian.com/money/2010/feb/13/shopper-discounts-and-rewards

 

Oh, i meant to say,while reading your posts i had to smile when you posted this-

 

ggggrrrrr I am so angry. I Live in Manchester but am currently considering a one way ticket to Timbucktoo

 

Thats the spirit,but put Timbucktoo on hold for the moment:wink:

 

PS--Your £360 could be a record breaker-

 

Internet message boards are awash with stories from unhappy consumers, some of whom have complained they've been paying £10 a month to the company for more than two years.:mad2:

Edited by tawnyowl
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Hi there, I have also stupidly fallen into this trap. I usually avoid payday companies but I had a problem and didnt want to rely on my dad to sort it as I normally do. When I saw the companies I honestly thought that they were proper payday companies, however I then got to the next page on them and saw the charges so I came of the page as soon as I noticed them buy by the time I realised I had already given my card details which I assumed was for security checks. I should have taken more time but was in a rush trying to sort finances so I could solve the issue I had on my own that I stupidly overlooked the small print.

 

With the 2 companies that got me was myloans. co.uk and merrywood I contacted my bank as soon as I noticed the money I contacted my bank (ban of scotland) as I wasnt expecting such large transactions from my account. I said that I never authorised the payment as I thought I cancelled it before completion to which I was told that I authorised it as soon as I gave my card details and that there was nothing the bank could do. However they advised me to contact both companies and request a refund, this was when I looked through their terms and conditions and saw the right to cancel, the bank also gave me information for the comapny so they could reverse the charge immediately.

 

First one was merrywoods on 11/9/2013 - I phoned them at 9:15 am and explained the situation she said that they could cancel my account and give a refund which would take about a week. I asked if I could get an email confirming this and she agreed and sent one straight away the email gave me a link to go to a system message mail] which says that its been passed to the cancelations team and that they would refund the money to my account and that it noramlly takes 3-5 wiorking days for the refunds to clear.

I will give them til the 18/9 before contacting them again.

I also got a woman however she was friendly and nice to me at least, if that helps.

 

The other was myloans.co.uk in 12/9/2013 - I phoned them and also explained the situation to them and they said that they could issue a refund, however I would need to fill out a cancellation form that they could sent me via post or email, so I chose email hoping this would be the quicker option. I received the email about 2 hours later and it contained a word document which I filled out and sent back to them asking them to reply confirming receipt of the email containing the cancellation form. About an hour after I sent it I received an email thanking me for returning the cancellation form and confirming that my application will be cancelled and that I'd be refunded within 30 days.

 

I feel that the repsonses so far are positive however I did some looking around which is how I found this thread and I'v noticed all complaints but only one saying they got a refund which was a cheque from myloans.co.uk. This has left me worried that there could be a strong chance of this money being gone. My hop is that since I have emails from both companies stating the refund, if they fail to issue the refund, mt hope is that I could get my banks help although from their initial response I find this unlikely but worth a shot.

 

Sorry for the long rant but I saw this and though that if I posted here I could get some feedback and also update this to hopefully help tricia44 issue. Id also like to thank you for this thread as it has giving me a lot more information and relieved some of the stress so thank you all in this thread.

Edited by Johnathon
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Update for myloans.co.uk - 16/9 - phoned to try to get a date regarding the refund. Was told that the refund is put down for 10th October and that it would be paid into the bank account via BACS, which normally takes 2-3 working days. They also said that the refund was for the full ammount. So I shall leave it till the 15th October and see if I get the refund.

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Youre being too soft with them. They should be refunding you immediately and not in a month's time

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

:D

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Jonathon

Nice to meet you,welcome to the CAG.

Go to the bank,ask for Chargeback.I do not trust these companies.

Why should you wait.Tell the bank you want Chargeback.

 

Chargeback troubleshooting

 

If you have any trouble when putting in a claim to your credit or debit card provider, ask to speak to a supervisor.

Chargeback is not very well known about and some bank staff may not be aware of this rule.

If your card provider rejects your chargeback claim, you can take your case to the Financial Ombudsman Service within six months of your final correspondence.

 

I feel you are a young person.

Young to me is under 35

 

Visa Debit Chargeback – The Facts

 

http://whatconsumer.co.uk/visa-debit-chargeback/#axzz2f3NdNHqa

 

Just been looking for a letter to give your bank to say no more payments to be made to this company.

Then it is the banks responsibility-think it was Coniff who said it.Will look later.

But for now,that should do.

Tawnyowl.

Edited by tawnyowl
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Thanks for the advise , ye I'm 20 so this is all new to me so I appreciate all the advice that you have to offer.

 

Update: I phoned the bank for a chargeback as suggested, they passed me over to the disputes team who told me they cannot dispute those transactions and advised me to contact the companies, after I explained I already had again, the guy told me that they still could not dispute the transactions and do a charge back for this and advised me to contact trade and standards regarding the companies to seek legal advise. Is there anything else I can do?

Edited by Johnathon
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OK which bank is it-sorry if i missed it before..

How are you tricia44

Back soon.

Seen your post below Jonathon-should be back by 3

Edited by tawnyowl
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Hi Jonathon,i am back.

I feel both Tricia44s thread and yours could continue on this thread and not split.

Tricia44 is waiting for refunds---and Shoppers direct.refund which could be a record breaker.

Quote-

My loans have said I should have the refund by Friday, but Merry wood are a different ball game.-she said Merrywood that things are underway.We will see.And keep a close eye on them.Tell us if things develop.

And if they do not,or you have any things you want to say.Just put them down and ask.Shall we say a week

But if anyone disagrees,perhaps from the site team,just move things about..

 

 

Jonathon.----

 

Quote--

First one was merrywoods on 11/9/2013 - I phoned them at 9:15 am and explained the situation she said that they could cancel my account and give a refund which would take about a week. I asked if I could get an email confirming this and she agreed and sent one straight away the email gave me a link to go to a system message mail] which says that its been passed to the cancelations team and that they would refund the money to my account and that it noramlly takes 3-5 wiorking days for the refunds to clear.

I will give them til the 18/9 before contacting them again.

I also got a woman however she was friendly and nice to me at least, if that helps.

 

The other was myloans.co.uk in 12/9/2013 - I phoned them and also explained the situation to them and they said that they could issue a refund, however I would need to fill out a cancellation form that they could sent me via post or email, so I chose email hoping this would be the quicker option. I received the email about 2 hours later and it contained a word document which I filled out and sent back to them asking them to reply confirming receipt of the email containing the cancellation form. About an hour after I sent it I received an email thanking me for returning the cancellation form and confirming that my application will be cancelled and that I'd be refunded within 30 days.

 

Let us perhaps wait a while longer before we pursue things further.

I hope this is satisfactory to you both.

More people may advise you.

And i would like to know,how do they refund you if you do not ask after 6 months and you do not get a loan.Is it automatic payback.

Trying to say what if you forget to ask for a refund.Does the payment you sent after getting no loan 6 months later-just returned to you-or forgotten about.Does this happen.Surely not.

Sometimes perhaps i go to deep,think the worst.

Because if it did,my feathers would fall out.And my quill would be sharpened,at the ready.

Edited by tawnyowl
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