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Payday loan refused but funds still deposited


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Hi,

 

After applying for a payday loan, I got through to the final stage of the process - where the loan was confirmed and I would next hear from the company when the money had been deposited. 'My account' page on their website showed the loan as 'approved', but the application was still 'pending'.

 

I had to speak to the company on the phone to confirm financial details before the money would be available. Following this telephone conversion I was informed that the loan would have to be declined.

 

'My account' page on the website now shows that I do not have any current or outstanding loans with them.

 

However, now comes the interesting part, the funds (total amount of loan requested) were deposited into my account.

 

There's no option to pay the loan back as my account shows that I don't have any outstanding loans.

 

Any thoughts about this would be much appreciated.

 

Should I contact them to repay the money they have deposited in error? Or should I keep the money?

 

Thanks in advance.

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