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Likely Loans

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Thought I would share this

Interesting but potentially scary situation


Each month I get my clearscore and noddle credit reports and they often have 'offers' of available credit.


This month Likely loans came up so i thought hell why not have a laugh and see if they would lend me any money


I completed a few very basic details, name address phone number


I then got an email saying you are approved we will do some more checks - had that type of thing before and they come back and say no thanks


I did not provide my bank details nor did i sign anything


Anyway today when checking my emails I found one saying here is your loan agreement and the money will be paid into your account by the end of the day . I checked and found £4K - yes £4K in my bank account.


The loan agreement was supposedly signed at 22.12 on 3/5/2017 by me typing my name . It is signed in my sunday name which i almost never use, what little credit i have is in my daily name


I am kind of angry

With me for applying although i was just curious

With them for forging my digital signature

With them for paying £4K into my bank account

How did they get my bank details- must be from clearscore


I have arranged to transfer the money back but it means going home to get the card reader so I can set up the payment,


They have promised they will remove all trace from my credit file


It is odd that this month clearscore have removed all defaults from my credit file although at least 2 are still valid


Not really expecting a response, just ranting


Anyone who knows me will know the lengths i go to so that i do not have large sums of money in my bank account - I could quite easily right now be spending spending spending. I would love a new Mac , Ipad, Iphone

Any opinion I give is from personal experience .

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That is indeed very scary fletch. Is there someone you can complain to - the Financial Ombudsman ?

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It is interesting


I have no CCJ's but from last months credit file I had a couple of defaults however this month on the clearscore file there are suddenly non. The accounts that are defaulted suddenly show a balance and last reported several years ago.


I know they haven't expired just do not appear

Any opinion I give is from personal experience .

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I've had an email back confirming receipt of payment and the account is now closed with no further money due


As I did not sign the loan agreement I think I might email the FCA.

Any opinion I give is from personal experience .

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