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Loan Brokers and the selling of other services (Loans Direct?, Discountic/My Discount Codes)

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So within the past few months I had used a loan broker site in an attempt to get a loan. I don't know for sure which one so apologise on the unhelpful nature on this account. I was not accepted so thought nothing of it and moved along.

 

A bit later on I had a random debit for £29.50 from a site I hadn't recognised and again at the end of this month the same payment occurred.

 

I finally discovered who this was and it was a site called My Discount Codes, who offer a subscription service for some sort of discounts. Haven't a clue what they actually do since once I discovered this I demanded the account be closed and to be refunded for the money taken from me. They thought they were admirable in refunding me 25% of the funds and believe I signed up when seeking a loan - something I definitely would not have done and should surely require explicit permission - not signing up then hoping people lapse on the free trial they offer.

 

When trying to figure out who they were and in my dealings with them, I was able to access the Zendesk helpdesk and noticed that it redirects sometimes to 'Loans Direct' (and also 'Old Brands' from My Discount Codes. A quick search of this forum shows they are well known for this sort of thing if it is the same Loans Direct company.

 

Few questions;

 

What are the legalities of taking details to sign up for things like this when the details were used for a completely different purpose?

 

Who are the best bodies to address the issues I have here?

 

What is the best way for me to go about getting a refund? Will my bank still be able to do this 2months on?

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They can't do it. You can complain to the FCA about this type of behaviour. The ICO deal with missuse of data issues,

 

Loans brokers are a con anyway. They charge fees on the basis of finding loans, but are then supposed to refund everything but a £5, if a loan is not set up within 6 months. You will see loads of complaints on this going back years.


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