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    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
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phil_charman

YES Loans, success !!!!!!

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Hi guys and gals,

 

Not sure if it's in the right area but I have quite a nice little story that should pass your time today....here goes.

 

My sister in law and brother in law are having a baby, they have struggled with cash ever since he left the forces, being in insolvency they naturally turned to me to look for guidance, my advice, stick it out for a while, ill help you should you need it, your going to get pay rises soon plus your child tax credits etc, so it should be ok.

 

However, they decided to get a consolidation loan and approached YES loans as credit history was scorned.

 

Anyway, they rang them and decided they could do it, so they sent off their £49.50 admin fee, they received a letter and some poxy pre filled form, filled in incorrectly, so they sorted it.

 

They were told someone would call them and let them know how their application was going.......noone called, so they called them, sorry sir your application has been declined:evil: , yeah right, robbing gits......

 

So i suggest they get their credit file and check for a footprint, so they did, what a suprise not a single footprint in six months !!!

 

"I tell you what, ill get that money back for you, no problem" so I wrote,

 

#####

#####

#####

#####

#####

Yes Loans Limited

Tintern House

William Brown Close

Llantarnam Park

Cwmbran

NP44 3AB

Our ref: GI/Yes/1

Your Ref: ######

19 October 2006

Application Reference #######

Dear Sirs

I write with reference to the above application and your letter of 16 August 2006.

I paid you £49.50 as an administration fee and would welcome your comments on what this fee is used for detailing personnel charge out rates and time charged when working on my file.

Furthermore your letter indicates that I would be contacted by a member of yes loans within the timeframe indicated to confirm the status of my application, this was not done and I had to ring yes loans who ultimately informed me I had been declined a loan.

Upon receipt of my credit file it would appear that no footprints have been left in any time period yes loans were involved with my personal affairs indicating no credit checks have been carried out by yes loans, a client or subsidiary.

I therefore question the legitimacy of the application and request all information relating to this matter and the administration fee of £49.50 being remitted within 7 days.

Failure to do so will result in a formal complaint being made against yourself with your licensing body and a demand for a thorough investigation being made.

Yours faithfully

The Brother in law

Apparently they tried to call him, but he said it was not a good time..

Anyway, two days ago I get a phone call, guess what I got in the post, a cheque for £49.50 with a complete bullpoo letter stating they were very sorry I wished to cancel the application:-? Er, no, you effectively stole £50, and I had you lot bang to right, you had done sweet nothing for my families £50, which now is going to provide some nappies or something special at Christmea as they thought they had lost it.

So if anyone else has had the same experience try it, you might like.

Oh, she went into labour this morning at 4.00am so, hopefully I will be an uncle very shortly..he he he:p

  • Haha 1

Barclays - £276.60

6/11/06 prelim letter sent:eek:

22/11/06 LBA Sent:-)

N1 to be filed 30 Jan 2007 :cool:

 

Barclaycard - Awaiting response from prelim + complaint for blatant ignorance. Unsure of Charges. :mad:

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Well done and hopefully you should be wetting the babies head soon with the £50 back!!


All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Well done, a great straight to the point no messing letter! and congratulations on the new addition to your family!:D

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THANK YOU SO MUCH FOR THIS POST!!!

 

I know somebody who can do with this as they had exactly the same happen with this company!! Very helpful indeed :D

 

 

Congratulations on the letter being successful and the new addition to your family!!!!!


My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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great post thank you, i have used most of your letter to attempt to get my £59.50 they charged me

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happened to me recently wrote a strong worded letter but have had no reply tried to phone put on hold for 30 minutes then transfered put on hold again and gave up. So still waiting but the funny thing is they phoned to arrange another loan and tried to take another £59 with a different reference no and posted out the new filled in application

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happened to me recently wrote a strong worded letter but have had no reply tried to phone put on hold for 30 minutes then transfered put on hold again and gave up. So still waiting but the funny thing is they phoned to arrange another loan and tried to take another £59 with a different reference no and posted out the new filled in application

 

Supervisor please go to Martins site and search for Yes Loans Ltd - Don't even go there... find YORKSHIRE LAD and mail him he has all the PROPER contact info you need to get your money back.This is the mail I sent them please feel free to use it.

 

PLEASE ensure the fee for reference no 1234567 is returned to me ****** by the 29th August 2008 if you do not comply I will commence legal action against YES Loans in the County Court using the Small claims track.

Please note a wait of more than 7 days for receipt of my refund is not acceptable.You took payment immediately you can return it within the same time frame.

A letter to this effect will be posted by recorded delivery on the 29th August.

 

Also please note my phone number is on the TPS list and legal action under the Data Protection Act will also be taken against individual operators of YES Loans and subsidiary/partner companies who ignore this.

 

Regards********.

 

My £59.50 was back in my account on the 30th August and so far no more phone calls from them or their other companies

 

DONT waste time phoning them. all you will be doing is adding to your phone bill and giving their operators a laugh at your expense.

Edited by damun
add more

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Hi I would like to add to your post and with some very intresting facts about this rogue trader.

 

My farther is a solicitor and has had many encounters with this maskerading and missleading company. In many cases they have interpreted uk guide lines and policy so it fits they agenda and T&Cs. In many terms and conditions it says "You Imdenafi us from legal action and litergation by sighning this contract. This is a falisy all companys in the united kingdom are subject to the law of the state and must adhear to the law and sovrency of the state and abide with in the law and not interpret the law for self commerce. This means if the T&Cs dont follow the law then they mean squat and can not be held and enforced as any company trading in the uk is subject and not able to imdenafi its self by its own doing. Only the goverment can do this so what gives the them the right to say this.

 

Yes loans target the poor and dissabled because they are the easeyer and more despret or can not understand what is going to be done to them and this is a fact as many people fall into the honey trap and this is missleading and dam right wrong saying we will give you a loan if you have ccjs poor credit or no credit history and they say we need your card details so we can pay the loan instantly and forget very conviently to mention we are a broker and will charge for it. So they are not a loan company and it is writen in its title YES LOANS but we are a broker when we feel like telling you and it self everdent people are looking for a loan as the have no disposable money or have no money so why on earth would want to pay them £59.99.

 

Yes loans also are breaking 7 consumer credit Act laws 3 distance selling and marketing Act as well as Sales of goods Act I have legal backing of that and not to mention theft. The FSA have issued a warning to them and the OFT and still they are countless people sueing them so what is going on here and why wont the goverment pounse on them for breaking the law and robbing off the poor and dissabled its mocking our law and goverment.

 

This is because they do give money back if you question they ways or know the law and fold.

 

This one case a dissabled mother had gone through. Her son has locked in sindrome he can not talk or walk or eat he needed a wheel that is customised she had gone to Yes loans she exsplaind she has very little help for her son and income but can offord a montly loan of ex amount and that her hospital that deals with her son is 244 miles away as it specializes in his dissability. They took the £59.99 out of her account with out prior notice and refused to reinburse her and then told her she can not have a loan. The money was for her son she was saving so he could get to the hospital to recive treatment with her in a Dissabled taxi she used and this resulted in his treatment been with drawn as the hospital appointments can not be wasted because other people are despretly needing treatment and can offord to waste appointments and Yes loans are to thanks for her sons health that has detaiated and now can not breath and is on a ventalator breathing for him.

 

This is the type of people Yes loans are !

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Hi,

 

I wanted to post this as literally this morning I've had a similar experience with Yes Loans myself. After stupidly paying the £69.50 fee I was passed to an advisor to discuss the 'final details' of my application. Didn't happen obviously!. I cancelled my application and then to my horror disovered the full extent of the problems I might expect getting my money back. Anyway, I've had a look around and it seems people who don't give up and who know where to go (i.e trading standards) have had success! I have said to them via letter (phone calls are apparently a waste of time) that under Section 155 of the Consumer Credit Act 1974, their own Terms and Conditions, and the Financial Services Act 2004 I expect a refund within 30 days - if I do not get it I will be going to the OFT and the police. Which I will. I have sent my letter recorded delivery too. I hope this information and the posts above are helpful to people - I will definitely not be giving up!!!!!!!

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Hello Ppl,

 

I wanted to point out some issues that should sound the alarm bells when shopping for a loan.

 

Any loan company that ask's for debit/credit card details over the phone should set the alarm bells off. A respectful loan company would not charge a fee because they are NOT brokers and loan money directly and would deduct any fee that reflects the work done on top of the intrest or loan.

 

Yes loans appear to be a direct lender and they are using a title that decives the consumer as they falsley portray them selfs to be a lender and blatently miss out that they are in fact a loan broker and use unprofecional tacticks and unlawfully steel a large sum of money from the victim and claim this is our fee. They refuse to offer proof that the fee is reflected in the work or cost carried out on the behalf of the victim and seem to disregard the Law and in favor of they own and fail to adhear to UK poily and law when pointing to the Terms and conditions and dont seem to relise in refusing or unable to find a person a loan they have failed in contractual requirement and the purpose of the fee is a loan so put in simpler terms if a builder does not compete a job or fails because the work is unsafe then he does not get paid or you would sue him and the same is for this company so they must pay back the illegaly removed fee with in 2 weeks and pay for any damages or charges incurred.

 

And the list goes on for illegal activity for these so they are now on thin ice.

 

Hi,

 

I wanted to post this as literally this morning I've had a similar experience with Yes Loans myself. After stupidly paying the £69.50 fee I was passed to an advisor to discuss the 'final details' of my application. Didn't happen obviously!. I cancelled my application and then to my horror disovered the full extent of the problems I might expect getting my money back. Anyway, I've had a look around and it seems people who don't give up and who know where to go (i.e trading standards) have had success! I have said to them via letter (phone calls are apparently a waste of time) that under Section 155 of the Consumer Credit Act 1974, their own Terms and Conditions, and the Financial Services Act 2004 I expect a refund within 30 days - if I do not get it I will be going to the OFT and the police. Which I will. I have sent my letter recorded delivery too. I hope this information and the posts above are helpful to people - I will definitely not be giving up!!!!!!!

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Hi I need some serious advice on yes loans, I was initially ok about paying my brikers fee untill I was given some really bad medical news and needed an,operation. Due to this I had to give up my job and live on 120 fortnightly benefits, I rang yes loans to tell them this and to get the 70 brokers fee postponed untill my benefits where sorted which they did for 10 days 28/10/11 it was now due out, what I didnt realise at the time was that yes loans should have cancelled my application there and then given that I dont fit their criteria anymore by being unemployed I was just too stressed at the time to realise this. my benefits went in and I realised I did not have enough to cover the brokers fee, I started trying to phone the cusomer services number from phone box as I have no landline and their 084 num is barred from my mobile, I spent a fortune and couldnt get through to cancel the payment or to arrange to pay it in installments. So when the 28/10/11(friday) came they would have tried to take the 70 out my empty account, I dont know what will happen now if i'll have a bank charge or when they'll try abd take it again, my next fortnightly benefit is due in on the tuesday coming2/11/11 and I dont know if they'll take it from this, I only get 120 for the fortnight and if they take their 70 i'll only have 50 left for the fortnight for myself and my 3 yr old daughter. Does anyone know a number for yes loans thats not 084. Has anyone got an email address for yes loans, any help will b appreciated. X

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