AK Management review: Refund 156

What a shower of ### this company really is.i rang up after having 80.00 taken out.just like everyone else here.they said no money would be taken out unless I get a loan.i never did have one.but these low life ### who got no morals took the money anyway.report it with your bank as a visa dispute. You should get your money back.on the basis they are no good liars .I will be going to the f.s.a to report these tossers .lets all get together make the same complaint and shut these ###s down

i have just had the same problem. i had 13 pounds left to survive on for 2 weeks and this is obviously not possible! how do i get my money back!? they are unhelpful and rude and will do all they can to scam and get money that clearly does not belong to them!

I have just found out that 79 has been taken from my account. I have not authorised any payment. In fact I did not apply for a loan. Because I cannot see it on my bank statement I cannot cancel the payment. I will be writhing to the FSA & the financial Ombusmanabout this Company! Ken

I WANT MY MONEY BACK. IT"S NOT POSSIBLE WHAT YOU DOING. I WORK HARD FOR MONEY AND I DONT WANT TO LOOSE MONEY IN THIS WAY. PLEASE GIVE ME MONEY BACK. MY NAME IS NICOLETA RABUGA

This thieving company took £79.00 from my account without telling me also. Advise everyone not to deal with them they will rob you.

i receive letter from AK MANAGEMENT to proof is take my money to my bank act... £79, 00 but i have don"t have loan from this company... pls... return my money... i"m so long waiting for my load but no my act... that why i apply for loan because i need the money ...NO LOAN and LOST MY £79, 00...what kind people this company...RETURN MY MONEY AS SOON AS POSSIBLE!

how can I get my £79 back from this scam company? who must be millionaires by now Im sure. they took this money without permmition. help!

yo took 79.99 from my account and i have heard nothing from you or even got a loan your company takes the payment and nobody gets anythhing back, i told the person on the phone i didnt want to go ahead with the loan and NOT to take the money from my account and you went ahead and took the money. I WANT THE MONEY REFUNDED TO MY ACCOUNT if not i am getting the police and the news papers involved this is theft, you prey on vunarble people especilly those on benefits, it took you a couple of minuites to take the money i want it back in a couple of minuites not 5-7 days

I went to ak management asking 4 a loan not knowing they would be the middle man after I gave them my bank detilse then Ak management said I would need to pay them 79 pounds a week after I've taken taken out a loan and asured me they would only do so after I've gotten the money from a loan provider, I didn't go ahead with taking one out only to get a receipt today in the post( what a piss take ) I've tried calling them and I don't feel like I'm taken seriously
This is fraud if anyone can help me my number is [protected]

yes i hav bn conned by applying for a loan and they took 79.99 out of my account. me going to write to them hoping to get refund

i started a loan application on line yesterday evening, i did not submit it and ak management has tried on two occasions to take 79.99 from my account i would like all my details removed and no further attemps to take this money
yours sincerely
christina smyth

I have had the same experience with this scam artist company today. i have sent and received emails today and will hopefully get my money back within 30 days from today here are the emails (the first one i sent is at the bottom) hope this help some people out of the same situation that i had this morning

I can confirm I wish to cancel the application for the third time now and want you to process my refund minus the £5 administration fee. You now have to refund me the remanding £74 by the 3rd April 2013 (30 days).

If you have not refunded me the £74 by the above stated date as per your terms and conditions, I will take this further and have already completed the paperwork to take your company to the small claims court to get my money back.

I will also contact trading standards and the financial ombudsman service. I am very sorry about this but your company is quick to take the money even when a loan has not been found, but seem to take a while to return it when it is clearly your error.

A very unhappy.

-----Original Message-----
From: Enquiries
Sent: Mon, 4 Mar 2013 16:31
Subject: RE: Customer Complaint FAO lucy wright

I am sorry to hear you would like to cancel our services. To resolve this, we have two options for you:
Firstly, you can confirm directly by email that you would like to cancel our loan finding services through our subsidiary company Money Essentials and we can issue a refund to you as per our Terms & Conditions and in accordance with the Consumer Credit Act 1974.

And
With reference to the Consumer Credit Act 1974 and in accordance with our Terms & Conditions; as your appointed loan finding service provider, if you decide to cancel your loan application, we are entitled to retain £5.00 of your initial service fee for administration purposes. You are entitled to the remaining service fee as a refund and as you have cancelled within 14 days this will be processed within 30 days of your initial cancellation for you.
Alternatively, our Consultation Service lasts for a minimum 6 months and therefore, as your appointed loan finding service provider, Money Essentials will continue to identify lenders suitable for your circumstances until you are happy with a lender we have matched you to and have received payout of a loan.
Please reply by responding directly to this email to confirm which option you would prefer. If you have any questions, please do not hesitate to contact our Customer Service team on [protected].
Kind regards

Customer Accounts Team

1st Floor, St James House
North Bridge Road
Berkhamsted
HP4 1EH
[protected]
www.moneyessentials.co.uk

Money Essentials is a part of AK Management (UK) Ltd
The views and opinions expressed herein are those of the author and not of Money Essentials or any of its subsidiaries. This electronic message contains information from Money Essentials, which may be privileged or confidential. The information is intended to be for the use of the individual(s) named above. If you are not the intended recipient be aware that any disclosure, copying, distribution or use of the contents of this information is prohibited. If you have received this electronic message in error, please notify us by telephone or email (to the numbers or address above) immediately.
AK Management is Registered in England & Wales. Registration Number: 6990907
Registered Office: 3 Broadway Court, The Broadway High Street, Chesham, Buckinghamshire, HP5 1EG
Consumer credit license no. 635371 Information Commissioners Office: Z217252X

Sent: 04 March 2013 15:14
To: Enquiries
Subject: Re: Customer Complaint FAO lucy wright

Thank you for your prompt reply.

I do wish to cancel any application I have with you today (4th March 2013), the distress i have had today on not being able to pay for a car repair when the money should have been in my account until you took the £79 from it. This has meant the car is still at the garage and I have had to find another way home and borrow the money to pay for it tomorrow.

I accept the refund less your £5 admin fee as per your terms and conditions.

Please can you inform me of when and how I will receive my refund as I need the money to pay back the person I borrowed from to get my car repaired.

I look forward to your prompt reply.

-----Original Message-----
From: Enquiries
Sent: Mon, 4 Mar 2013 14:43
Subject: RE: Customer Complaint FAO lucy wright

Following your enquiry stating your wish to obtain a refund, I am writing on behalf of AK Management (UK) Ltd who carried out your initial application and accepted you for our loan finding service through our subsidiary company, Money Essentials.

AK Management (UK) Ltd only ever accepts Customers that we’re certain we can help find a Loan for.

Please Note:
The information Customers provide during their application is carefully analysed; If there were no products on the lending panel that would suit a customer’s circumstances, the Customer would never get to the stage of the application where they were asked to schedule a payment.

What Happens Next?
If you decide you do wish to continue with our services and wish for us to send you more suitable lenders, please let us know and we will send you as many Loan options in the UK as available to you. Alternatively, please feel free to call us on [protected] to discuss your options in more detail. Remember, because of our service so far, there are lenders on our panel waiting to pay out a Loan to you and we are eager to help you make this happen.

If you decide this isn't good enough, then I am very sorry to hear you are unhappy with the service and you are of course entitled to cancel your Loan application. Our service last for a minimum of 6 months. Therefore, if in that time we do not find you a lender you are happy with, we will happily refund you your full fee, less £5 for administration, as per our Terms & Conditions and in accordance with the Consumer Credit Act 1974. This matter will be handled by our Compliance Team.
Finally:
Please let us know by responding to this email directly if you would like to continue with our Service or would still like to cancel. Please see our Terms & Conditions, which explain your rights to cancel in more detail.

If you have any questions, please do not hesitate to contact us on: [protected].
Kind regards

Customer Accounts Team

1st Floor, St James House
North Bridge Road
Berkhamsted
HP4 1EH
[protected]
www.moneyessentials.co.uk

Money Essentials is a part of AK Management (UK) Ltd
The views and opinions expressed herein are those of the author and not of Money Essentials or any of its subsidiaries. This electronic message contains information from Money Essentials, which may be privileged or confidential. The information is intended to be for the use of the individual(s) named above. If you are not the intended recipient be aware that any disclosure, copying, distribution or use of the contents of this information is prohibited. If you have received this electronic message in error, please notify us by telephone or email (to the numbers or address above) immediately.
AK Management is Registered in England & Wales. Registration Number: 6990907
Registered Office: 3 Broadway Court, The Broadway High Street, Chesham, Buckinghamshire, HP5 1EG
Consumer credit license no. 635371 Information Commissioners Office: Z217252X

Sent: 04 March 2013 11:25
To: Enquiries
Subject: Customer Complaint FAO lucy wright

I am sitting in a car garage at the moment with no means of paying my bill due to the fact your comapny has taken £79 out of my bank account.

Thanks

I want to cancel any agreement we have.

I spoke to a member of your staff on 22nd of February enquiring about a loan. There were no funds in my bank until today and you have taken the £79. I have not been able to get the loan due to bad credit and not being able to get a suitable guarantor.

I have been reading your terms and conditions under section 1d i have the right to cancel within 14 days

1d. Under the Financial Services (Distant Marketing) Regulations 2004, You have the right to cancel the Agreement within 14 days of receiving these terms and conditions. You can write to, tell us verbally or email us. In this event We will refund your fee within 30 days of the date on which We receive your request to cancel your application. Any written requests should be made to: Compliance Manager, A K Management (UK) Ltd, 1st Floor, St James House, Northbridge Road, Berkhamsted HP4 1EF. "Days" here include Saturdays, Sundays and Bank Holidays.

I understand that from section 7a i will only be refunded £74 which i want asap sue to you keeping a £5 admin fee

7a. You have the right to cancel this agreement under section 1d. You may also end this agreement at any time and for any reason thereafter, by giving Us written notice by post or email which You may serve at any time whether or not You believe We may have been in breach of our obligations under this Agreement. In the event of cancellation under this section 7a, we will discontinue any further referrals or future consultations on Your behalf. We will refund You any Fees already paid to Us that are cleared funds, where We have been in breach of our obligations under this Agreement. We reserve the right to retain £5 of the One-Off Fee total for administration purposes.

So i wish to end this agreement due to the fact of not being able to get the required loan (as in section 7a any reason).

I have not entered into a credit agreement with anyone due to above reasons and state your term and conditions 7b

7b. If You have applied and cancelled through A K Management (UK) Ltd, trading as Money Essentials for a loan finding service through one of our subsidiary companies, we will comply at all times with the Credit Consumer Act 1974. You will be refunded (if requested), regardless if We have fulfilled Our obligations under this Agreement, if you have not entered into a Credit Agreement with one of the service providers We introduce You to within 6 months of the commencement of the Agreement.

I am wish to end the agreement today and state section 9.
9. The effect of ending the Agreement 9a. When this Agreement ends, our duties and obligations under this Agreement will come to an end. Your One-Off Fee will be returned in full, only if we failed to perform our obligations under the Agreement due to no fault of Your own. If we did fulfil Our obligations under the Agreement, Your One-Off Fee will be returned to You in full (less £5 for administration) by Us, unless section 7b applies. You will not have to pay Us any more money. 9b. Any agreements You have in place with Our referred service providers will still stand 9c. If You cancel or end this Agreement with Us, it is Your responsibility to cancel the scheduled One-Off Fee to service Your Consultation with Your bank. 9d. If your financial circumstances change during the Term of this Agreement We may refer You to our Insurance Providers, Utility Firms, Pension Providers, Debt Advisors, Insolvency Practitioners or any other Financial Service Providers to identify a solution which better meets your needs at that time.

I expect the £79 fee to be returned to my bank less £5 admin fee within 30 days as stated in section 1d.

I have spoken to (perri in loan customer services) who has informed me to email you as you dont take calls.

Your prompt reply will be appreciated

Wats is ak email address the women put the phone down on me as i had a attitude! That money was for my car tax thats all i had left in my account. She told their is no chance on getting a refund what so ever. I asked to speak to a manager but she told me no1 was in. I want my money bk in my bank by the end of the week! Its disgusting doing this to people who obvious are in need of help with money and they are taking it straight off us! Can someone plz let me no their email address

ive had £79 taken out of my account today and sooo not happy bout it, i want that money back into my account as im gonna take legal action.
rachel webb

AK management took money from my account. i want it back. call me ASAP [protected].

my name is rajankumar kathiriya. i havent received any service yet..

i want my money back.

they almost got me i put in for a loan then i saw the things they where doing to people it is day light robbery and any body looking a loan don't get it here i was lucky i got my bank to stop any money coming out and there where more than happy to help these people r jokes they take money of people how need it the most and have no money to fight them in court so don't get scam by these dog meat hairy chest ### :)

you have also took money from my account in which we dont want please put back please

I. Had better Get my money refunded and soon! Was Told 4 weeks before Any Money would come out my account and yet the Day after i Get a letter and Money goes out my account! i asked over and over again to Make sure this would not happen. This Company are a scam and should b shut Down!

I HAVE NOT EVEN APPLIED WITH AK MANAMEMENT! BUTY THEY HAVE TAKEN £79 FROM MY ACCOUNT TODAY @ 14.35, I HAVE INFORMED MY BANK WHO ARE CURRENTLY LOOKING IN TO IT FOR ME AS I KNOW I HAVE BEEN RIPPED OFF BY THESE SCAMMERS WHO CLIAM TO BE AK F**KING MANAGEMENT!
WHO SHOULD REALLY BE CALLED SCAMMING BASTA**s!
i dont know how they can continue to rip people off and still get away with it.
J.H Stoke

hi everyone they have also taken 79 pound out of my bank I have no money left I neded that money to get my sons uniform. I am taking this matter further you don't have the right to take money out of my account . You want to put the money back into my account asap. Also you bedt contact me my number [protected]
Adam

i have been advised by by my bank that you trying to take money from my account. i do not wish to take up no loan or anything else with you so there no need for you to keep taking money from my account. my bank will be taken things further if this happens again as i have made it very clear that i dont want any kind off loan.thankyou. tracy breakwell [protected] if you need to get in touch with me.

Hi this has also happened to me, I have spoken to consumer advice and they hav stated to send a letter stateing you. Were mis informed which is illegal under the mis representation consumer act and to state under section 155 of the consumer credit act a broker can not charge more than £5 and to give them a resonable time limit to refund the money or that you will be taking further legal advice! I hope this helps for the people who have been scammed by this company and I will be follweing this advice, also I must add that the company has now been reported to trading standards!

They are a disgrace the robbing bastads who just helped there self to my bank account and took 79.00 with me signing nothing to say they could, can anyone tell me if theres anyway round getting your money back apart from writing a letter to them? i cant be arsed to wait nearly 30 days for my 79.00

They have done the same to me wat is there email address can any1 tell me please

well, its been OVER 3 MONTHS NOW. I still have not had a refund. So I am taking them to a small claims court. Trading standards have told me to right them a letter and post it recorded delivery with a deadline on it for my refund. I will let you all know. they aint gettin 10 working days to refund it though. There getting 5 working days. I have had it with waiting 4 them.

ak managment what a waste of time also taken £79 from my account trying to get this back however all they keep on about is terms and conditions they are SCAM company despite what they may tell you. For me to get a copy of any "transcript" they want a further £10 which i would imagine they want my card details again!
My advice to anyone is avoid anyone company asking for a broker fee this has been advised to me by a financial advisor as they are all scadulous.. Also if you are struggling to get your feees back there are ligit companys that can help all i can say to AK MANAGMENT WHOEVER YOU OPERATE UNDER...TUT TUT at least robin hood wore a mask...

well they scammed the wrong person here as ive been in contact with bbc watch dog and will be in contact with the police they cannot take money out of peoples bank accounts whether you gave bank details or not when they made promises they wouldnt until a loan was in place, no loan been agreed on or taken out. so watch this space because i intend to name and shame this company until i get my money back in my bank account where it belongs
nikkib

You're all pretty stupid if you ask me, they called me up and they state everything they do on the phone. Including they are a broker which would suggest they find a loan for you! (Not supply you one) not only that they even say the lenders can pay out as quickly as two hours! Once again stating there not giving it to you. They actually explain clearly. So your paying for a service not a loan direct from them. And all of you on job seekers saying you can't afford £79? Did you really think you would get excepted being unemployed also? So all of you asking for a refund that wouldn't happen as you agreed to all the terms in the call which they would of stated at the begin of the call. It's human trickery and clever wording always do your research before giving anyone any kind of card details.

this company is a lot of ### i just been on the phone to them there taking my 79 pounds out my bank account and i got nothing bk from them there no good bums who just like to take money from the poor so they can put it in there pocket well lets see how much more there going to get from any body else there thieving rats the company is ### just tell everybody that there take your money for what nothing all they say is they send you this and send you that I'm going to make sure this company pays for what they have done to me I'm going to phone a lawyer right now as get these ppl of here once and for all there a f*** up company who just like to take your money f*** wits

I have just had a phone call off ak management I DONT want any money taking out of my account because i have CANCELLED if any money goes out i will go to citizens advice to sort it

Do not use this as a means of getting a loan. I was wanting a 10000 pound loan for debt consolidation and a new car. Instead I recieved emails from lenders offering me 750 pounds. What good is this? After reading the reviews I wasent taking the chance of them withdrawn the 79 pound regardless of the loan so I cancelled my card before they could. If you need a loan stick to banks, if your credit rating is below good like mines is try a credit union. This is a scam u shouldnt be paying 79 pound to be offered loans which are no good to you. Avoid no matter how desperate you are for a loan this will only empty your pockets further.

Well apparently we are all liars. i have been advised to write to them to tell them i want the funds put back into my account within 10 days. if they don't i can take them to a small claims court. trading standards gave me this advice. They are bang out of order they told me i am not getting my money back. i asked if i should go and collect everyone's bank card in my street and get loans out on them. they said you can if you want!

I applied for a loan, got told will get the specific loan I want and they will take £79 out of the loan after I get it. I am a single parent on benefits. I did not get offered the loan I wanted, so decided not to bother with it and A K management took the £79 out of my account anyway, leaving me short of money to pay bills I wanted loan to consolidate and short of money for food and stuff for kids.
Would never recommend this company to anyone

well, i have complained, cried down the phone to them because there not helping at all! I have 2 babies and they have taken out the money I use for shopping. I have phoned trading standards so I suggest you all contact them as-well as I was told by a trading standards officer that if they have breeched there contract WHICH THEY HAVE and it sounds like you are all in the same boat as me. then you can claim not only your money back but also compensation. anyone wishing to contact them phone [protected] even if you all just phone up and make them aware. This company needs to be stopped from what they are doing. When you phone this number, you will get through to the citizens advice. listen to your options and then select the one that says consumer or something like that. explain what has happened. Apparently you can request the money back from the bank. Ask you Citizens Advice agent about this. Also don't forget to ask AK Management for a copy of the conversation you had when you applied/ IF you applied. It will cost £10 but it will be worth it if you know for a fact you are in the right. Good luck everyone.

ak management had taken 79quid fore a lone which i did not get any money for and was toled it was a free search i an disabled and dont have a lot to live on and as thay took it owt i cant live the week r donavellas

same happened with me they say i have 2 wait 6mths 4 a refund an that they will be takin £5 out 4 admin cost well it has been 6mths since they took payment an have not recieved anythin back has yet

i was accepted for a loan and they also took 79 pounds out of my bank and because i didnt need the loan anymore i rang up for a refund and was told to email them i have done so 4 times and rang and still havent got my money bak

my name is simon, am not happy about the fund been taken out of my mother account without any permission,
i want a refund as i did not get any loan from you and its not right just take out money that not yours, i will take this to court if the 79 pound is not return into my mothers account.
many thanks simon, [protected]

i cant believe these people ! i have been crying all morning last week i thought they had stopped my pension credit, as money didnt appear on my balance when i went to withydraw. WHAT I NEED TO LIVE ON .when they asked for my details i questioned them why they needed it and they told me no paymrents come out till we accept a loan. i naturally thought it was for the direct debit details how vunerable am i cant wait till monday .will get police c.a.b politicians you name it not just for me, m but any other poor person that has been affected by this . we phone up these companies because we are in need of help. i have not accepted any loan thinking i was being careful.HOW dare you AK how do you peop[le sleep at night

same here has any one managed get there money back of theses?