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    • Thanks BN. I should add, that any Bailiff action is, to my mind unconscionable, and the point should have been raised by the Master IMO. As usual our problem will not be, what the amendment says.  But more, what some EA will imply it says, on the doorstep.    
    • Yes agree UB it will be unworkable in practice, the issue being that some EA will regard the Virtual CGA as allowing them to physically force entry later if payment not forthcoming.  Or like some bailiffs used to try to imply that phone call a desperate debtor makes at Compliance stage is in effect a Virtual CGA when itn is nothing of the sort. Rule 1 it is known some  bailiffs Lie. Rule 2 Treat all bailiffs as liars until they prove they are not.
    • I cannot see many people agreeing to any virtual webcam review of goods to be controlled.     Many people in debt may not even have the facilities to be able to do this.   And the few that agree may try to have a laugh at the enforcement companies expense.  e.g. this painting is by well known local artist Peter Ist, but he signs his paintings as  P Ist and this other painting is by Brian Roke who signs his paintings as B Roke.     Who would agree to this without understanding the consequences ?      
    • Well poss unenforceable cca both lets see
    • Although I will be submitting another request as DVLA haven't stated when they responded to VCS with the information.  18th was a Friday,  VCS say they posted the letter on Mon 21th.  Seeing how this SAR has taken this long, I doubt the DVLA went all out to clear the request over the weekend, but we'll see.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Anybody know anything about these, they are based in Gravesend in Kent.

 

I recently returned a loan application form "just for the hell of it", it was a fairly basic form and asked me for very little info.

 

The application was for an unsecured loan for £8000 over 48 months. My credit rating is appalling so I was very surprised today to recieve a letter which states, "We are pleased to inform you that your application for a personal loan has been accepted by our underwriting department".

 

They are now asking for a £49 "brokers fee" which I should return with the "Loan approval form" which states a "typical APR" of 15.2%.

 

I know this is high, but it's much better than the 29.9% I'm currently paying for my car loan and will save me around £75 a month on my current deal.

 

Any thoughts/comments/experience with these people?

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Don't do it. You will lose the £49.

 

The rick with outfits like this is that they won't source a loan until they've banked your cheque. You may get a loan offer but it will probably be much, much higher than the "typical APR".

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Don't they have a legal obligation to tel me this?

 

I have to admit it's because the application form was so simple to fill in that I became suspicious especially since it's an unsecured loan.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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I too paid the £49 for a loan FOR which they informed me I had been accepted. However, after waiting ages for lenders to contact me and many phone calls later, I was eventually informed that I had been "declined by all their lenders", but they put me on to their debt management people who keep phoning me. I shall apply for a refund of my £49 but shan't hold my breath. I was also taken in in the same way by Advantage Loans - WILL I EVER LEARN? If they ask for money, don't touch them with a barge pole!

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Marian G

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  • 2 weeks later...

I would guess that if they are above board finance brokers they should be regulated by the financial services authority. If you search for their name on the fsa website, (you guessed it) - NOTHING

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

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Very much as I suspected. I binned the paperwork long ago anyway after a brief conversation with them.

 

I offerd them double the fee if they could get me a loan on reasonable terms and pointed out that if they were genuine, and were going to refund my money anyway they had no tangeable reason to turn down my offer.

 

They then said that the cheque was "for identifcation purposes", I told them not to insult my intellegence as a cheque for 49p would have served the same purpose.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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  • 2 months later...
  • 2 years later...

Considering they do not offer loans why would they turn anyone down. All you are doing is getting them to act as a broker. They don't care what your credit rating is like as long as you can stump up the £49.

 

Don't quote me on it but I think legally they can only keep about £6 of the fee if they do not get you a loan.

 

One thing I find a bit fishy is if you do a google search for Wentworth fianance one of the loan review sites comes up. Last year the vast majority of reviews were poor. Now it's at least 50/50. This is very surprising considering most people would believe this company is offering them a loan until they read the small print and actually asked the question "are you offering me a loan or offering to act as a broker."

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When will people ever learn?

 

Wentworth Direct Finance are quite simply motivated by greed. They have absolutely no moral fibre and target the vulnerable with their aggressive advertising.

 

These people border on the right side of breaking the law - just!

 

Personally, I wouldn't touch them with a barge pole. A festering cespit of greed

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I filled in an online form for a loan of £1000 and they phoned me back asking for a £49 admin fee, stating I had been accepted for the loan. I double questioned this and she stated that her name was Sara and she was positive I had been accepted. They took the admin fee from my bank even though I havent signed anything, but no loan has appeared in my account despite promises that it would be in within 24 hours, or the admin fee would be refunded.

I cant find any phone number for them and the one I have is never answered. I thought id write to them as it seems the best way but I have no address...they have never sent me any paperwork so what is my next move?

Please help!!!

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  • 2 months later...

finical service ombudmans and your bank...still have to wait for finicial ombusdman for 8 weeks so best wack a dispute in with your bank like lloyds tsb or who ever you bank with, that way you can get it refunded and they have to deal with a raging bank manager and finicial ombudsman on behalf of the bank claiming their losses while you enjoy life with a refund, only works if you paid with credit card or debit card under the office of fair trading guidelines 177 you are allowed a full refund if you had no products of service if they say you are not allowed any money for 6 months tell em shut up they can by law keep a fiver as the guidelines say in the office of fair trading for brokerage if you dont have a loan or service or anything you are entilted to a refund regardless of a fiver but better then having it

 

i am having problems with them but i have the oft bank and fsa involved, they keep hangin up on me but there are numbers they say write and claim they aint had nothing but i have sent the letters for investigation to the f.s.a who have copies proven i have written them. and its not looking good for this shoddy brokage with a bit of luck. also got them as unuthorage account usage with lloyds tsb as they rung me saying they have a loan for me but the "dippy" salesman said he needed verfiy my card to prove it was me and i have that recoreded, so in fairness i got them by the balls, not allowed tranactions on my accound and one for me, u wanna try it good fun!! :)

 

 

I filled in an online form for a loan of £1000 and they phoned me back asking for a £49 admin fee, stating I had been accepted for the loan. I double questioned this and she stated that her name was Sara and she was positive I had been accepted. They took the admin fee from my bank even though I havent signed anything, but no loan has appeared in my account despite promises that it would be in within 24 hours, or the admin fee would be refunded.

I cant find any phone number for them and the one I have is never answered. I thought id write to them as it seems the best way but I have no address...they have never sent me any paperwork so what is my next move?

Please help!!!

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I filled in an online form for a loan of £1000 and they phoned me back asking for a £49 admin fee, stating I had been accepted for the loan. I double questioned this and she stated that her name was Sara and she was positive I had been accepted. They took the admin fee from my bank even though I havent signed anything, but no loan has appeared in my account despite promises that it would be in within 24 hours, or the admin fee would be refunded.

I cant find any phone number for them and the one I have is never answered. I thought id write to them as it seems the best way but I have no address...they have never sent me any paperwork so what is my next move?

Please help!!!

 

I too was sucked in by a company like this. They promised the earth - all for £49 and guess what ? I didnt get a loan either !!

I rang and asked for their address, and wrote in asking for a refund due to them ' not delivering what was promised ' , failure to do so would result in me reporting them to the FOS. Not long after that, I received my refund by cheque.

 

Check if you have a correspondance address and get writing !!:)

Forsure

 

** One woman crusade against the rip off lenders ! **

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  • 5 months later...

This company are crooks... they told my partner that no charge would be taken until after a loan was received and he stupidly gave them debit card details. The following day we received a letter saying we had to pay £59 before we got a loan and I called them and said we weren't interested and that they were to take no money from the card.... they the money out about a week later, just before close of business on the friday so i was unable to try and sort it out until the monday. DO NOT USE THEM.

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Wentworth Finance bombard people, some of them financially vulnerable, with marketing email.

 

My partner receives a constant flow of email offering loans from Wentworth or their partner firms.

 

In short, they disgust me.

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Sorry im unsure how to start a new thread, im currently trying to stop wentworth Direct taking £49.00 out of my bank, i rang my bank but they told me its "Pending" and cant be stopped, the payment is due to be taking tommorow, or Midnight tonight, I have been on hold for over an hour with went worth direct with no luck, if my bank cant stop the payment do i just let them go ahead and take my money???

 

The reason for stopping this payment is they sucked me in and made it all seem great and now i have just realised this company is actually a broker and not a loan company.

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i have also just been scammed by these people took 59 pounds out of my account a day early phoned them this morning and was told to write to their refund dept. i just wish i had done some looking into these people first it just seemed so easy

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i have also just been scammed by these people took 59 pounds out of my account a day early phoned them this morning and was told to write to their refund dept. i just wish i had done some looking into these people first it just seemed so easy

 

Assuming that no loan is forthcoming, send a letter to their refunds department demanding that they return your money within seven days. On the eighth day send a letter before action giving them a further seven days. On the day after that period has expired issue proceedings.

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From the terms and conditions on their website:

 

Under Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive repayment of the fee. If you wish to cancel your application, you must write to Wentworth Direct Finance notifying us. In this event the amount will be returned within 30 days of the date on which we receive your written request to cancel your application. You the client may also, at any time, within six months cancel the agreement if you so wish, in this event the brokers fee will be refunded to you within a reasonable time, not exceeding 30 days, from the date of cancellation in writing, minus a £5 admin charge.

By using our services you are also accepting that Wentworth Direct Finance are not only entitled to receive your broker fee but also receive commissions from lenders or loan agents for processing your loan. When we are referring to our loan approval form, the term approved is a general approval on behalf of ourselves as a broker to those customers who meet the basic underwriting criteria accepted by our lenders either directly or through our loan agents. The APR that is advertised and or stated either verbally or in a written format. within our correspondence is our typical APR. The repayment figures advertised and or stated verbally or written within our correspondence are based upon our typical APR.

=======

In other words when we tell you you're approved your not really approved. We simply mean that you meet our criteria (you have a pulse). If you pay us our fee then we'll find out whether any lender will take you on and they will apply their own criteria.

 

The T&Cs also set out your right to cancel but they are mysteriously silent on what happens if they don't manage to get a loan for you.

 

How this company stays in business is beyond me.

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