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Comment by cindy matthews on June 15, 2012 at 8:42

hello i have been scammed by the same company they said they would get me a loan took the fee and then didnt they said it was my fault so i thought ok its £29.50 ill cancel my card so they cant take anymore and ill leave it at that then a few months on i check my statement online and they have taken another £29.50 im a single mum with a disabled child i cant afford to keep paying this! i dont know what to do the bank say they cant help any suggestions please :(

Comment by lamiawelsh on April 12, 2012 at 18:00

Ok so I think I found the company AND another conning fuckwit at the same time!  I now know their address and the directors name and address and IP address.  Loans 4 U London Ltd.  Have written them a letter full of legislation.  Boo hoo for them though, I'm not stopping at getting my money back, I want to see them out of business. 

Comment by lamiawelsh on April 11, 2012 at 17:22

Hiscox are legit, they are off my hit list :)

Comment by lamiawelsh on April 10, 2012 at 17:25

Further update: while at the bank, the manager cancelled a Direct Debit that had been set up by Hiscox (I now remember them saying these were the people who would give the loan). Hiscox Insurance Ltd does exist however I cannot find Hiscox Underwriting Ltd and the contact details on the direct debit are fake!!

Comment by lamiawelsh on April 10, 2012 at 16:51

OK Update: went to see the bank manager and asked to record the conversation immediately, in fairness she was very helpful, refunded the fee and charges, however the information regarding the company being able to take debit card payments is correct.  It's in the visa T&C's which apparently renders the banks powerless to refuse!  EVEN IF I CLOSE MY BANK ACCOUNT.  So....another letter to the FSA and Ombudsmen regarding visa methinks.  Luna??? xx

Comment by lamiawelsh on April 6, 2012 at 10:11

Thanks UKAnon, I am writing to the office of fair trade, trading standards, the financial ombudsman, watchdog, the ferret and reported them to the fraud squad.  HOWEVER, I did NOT sign anything OR enter into a verbal contract which means that any "cooling off" period is null and void.  The bank told me it will be in their small print...I was like THERE IS NO SMALL PRINT IF I HAVEN'T SEEN OR SIGNED ANYTHING.  ARGGGHH!  Thanks for the advice though, I will certainly go down any avenue but I am one of thousands and this company have operated for YEARS even though the government is well aware of their actions, that it has been in the national newspapers, that thousands of complaints have been made and they are still allowed to operate does not give me much faith in "the system" I'm afraid.  

Comment by UKAnon on April 5, 2012 at 23:13

Don't delay - get professional advice - and think there's a "distance selling" law that gives you a cooling off period. Research that perhaps?

Comment by lamiawelsh on April 5, 2012 at 19:16

Well this is what the police just told us - there's nothing we can do.  Let the fraud squad investigate, well let's hope they don't take £1000's.