I am having the same problem :( I was thinking of applying for a loan at 23 my credit rating isn't great as my bank gave me a credit card at the age of 18 never a great idea!! I found this website and thought i would give it a go as it said on the page "NO OBLIGATION APPLICATION" so i filled in the app. About 3 days later i received a call to say they had found me a loan but i had changed my mind and decided against the loan. Thinking nothing of it i carried on as usual. I then received my payslip on the 25th and noticed that £59 had been debited from my account already it was 9am and i had only been paid that day. I had not spent a penny. I rang my bank who told me i would have to wait to see where the money was going to - as the money hadn't left my account they didn't know where it was going to. Well 3days later it came up wentworth direct on my bank statment.
Note that i did not accept the loan - didn't ask for any details of the loan and when i spoke to them on the phone they never told me about the money being taken nor did they ask my permission to take it.
I have sent a letter to head office as it says you must apply for a refund via mail - what gallsme is that i shouldn't have to be requesting a refund they should never have taken my money in the first place!! I then came across "tony Clayton" e-mail. address well i have just sent him an e-mail and it has been returned as the box is full, so my suggestion is not to e-mail as he clearly doesn't bother to check them i would call them i found a phone number: 01474 815 477 - i haven't tried it yet but i will be today so i will update you on what happens.
I am so annoyed and upset because now they have taken the money which was going to pay for my grandads funeral flowers which is this Thursday and i knwo i'm not going to get it back quick enough, and because i have already orderd the flowers the florist is furious...they have ruined everything :(
here is a copy of the letter i have sent them:
I am writing this letter to convey to you how furious I am with your so called “no obligation company”.
I recently viewed your website as I was possibly looking into a loan. It was never definite I just wanted to see if I could be approved. I was happy to use your website as on the main page it says:
“Typical 15.2% APR. You are under no obligation by completing the application form All applicants must be working either employed or self employed. We are licensed credit brokers. All loans subject to final verification. Consumer Credit Licence No: 469755
(THE EXACT WORDS OF YOUR WEBSITE)
All I did was fill in your application form thinking I was secure in the fact that it was a no obligation application...Well wasn’t I wrong.
I received a phone call from your company regarding a loan which I informed them I no longer required. Notice that I didn’t even ask for details of the loan or which company I would be getting it from I simply informed them that it was no longer required. So with this in mind could you please explain to me why my account has been debited £59 by your company without my authorisation?!?!?!?!?!!?!?!?
Clearly as I was thinking of applying for a loan I am not made of money and I do not have a tree in my back garden which grows it, so what makes you think I would pay you £59 to find me a loan???
I am absolutely LIVID as I have a direct debit which has now bounced because you took my money and I am now being charged by the bank daily as it will continue to try and take the direct debit until sufficient funds are in place!!
I expect a full refund, and any charges I incur by the end of this month and if I have not received a response from you within 1 week I will be taking this up with trading standards and reporting you to the internet providers, who are allowing you to advertise lies and scam people out of their hard earned money.
You know very well that i turned down the loan, i never even asked to be put through to the company you had found!! I said i was no longer interested and asked to be removed from your mailing list which funnily enough you haven't managed to do either. So why did you take the money?????? I have found a website that say's i have to wait 6months before i get my refund...If i have to wait more than 1 month i will be reporting you to the police for stealing. you took that moeny without my authorisation knowing that i hadn't accepted the loan. I have been in touch with my bank also so you can expect a phonecall or letter from them too.
I HAVE SEEN PLENTY OF REVIEW SITES AND THOUSANDS OF COMPLAINT ABOUT YOUR SITE, TAKING MONEY FROM PEOPLE EVEN THOUGH THEY NEVER AGREED TO ACCEPT THE LOAN, SO FUNNILY ENOUGH IM NOT THE ONLY ONE YOU HAVE MANAGED TO SCAM AND PISS OFF ON THIS PLANET,
IF THIS DOES NOT GET SORTED WITHIN THE NEXT 20 DAYS I WILL BE REPORTING YOU TO TRADING STANDARDS, I WILL SET UP A WEBSITE WARNING PEOPLE OF YOUR LITTLE SCAM, I WILL MAKE IT PUBLICALLY KNOWN WHAT YOU ARE DOING TO PEOPLE I HAVE A LETTER AND ALL THE E-MAILS I HAVE RECEIVED FROM YOU DRAFTED AND READY TO SEND TO EVERY LOCAL AND NATIONAL PAPER, AND DON'T BE TOO SUPRISED IF YOU SEE YOURSELF ON WATCHDOG IN THE NEXT COUPLE OF MONTHS.
I WANT THIS SORTED NOW, I PROMISE YOU I AM BETTER AT KEEPING MY WORD THAN YOUR STUPID COMPANY AND I MEAN EVERY SINGLE WORD OF IT.
I WANT A RESPONSE FROM A SENIOR MANAGER BY 5PM TODAY .
If anyone has managed to actually get their moeny back or manage to actually speak to someone from the company please help me!!
Also isn't there someone we can complain to about this website it's obviously scamming a lot of people and i cannot believe the internet providers are allowing, false advertising and liars to use their service???