loan companie

[scott1234]

i recentley applied for a loan with www.creditproblemnoproblem.co.uk The bloke called chris told me it take approx 15mins to applie and i shall get an guarranted decision at the end of the application.So i did then he said congratulations you have been approved.the admin fee of £49.10 has to be paid and then he will send me a formout just sign date it and check the apr ect ect.(this being on monday)and he said send it straight back asap so it doesnot delay the funds being put into my account for friday.2 forms arrived today started filling deatils in only to find that there is no mention of any apr nore the loan amont applied for and also when i rang the number the rude women stated that i have not been garranted a loan they are just trying to help me find one???????CAN ANYONE ADVISE ME PLEASE BEFORE I DRIVE DOWN TO EXETER TO THIS OFFICE AND KICK SUM ASS

[Teleph0ne]

It's a scam I'm afraid, you will now get contacted by loads of dodgy loan companies and unless you have a good credit rating you are unlikely to be aproved as so many people are in the sh1t at the moment these companies are taking advantage of this. If it looks too good to be true, it usually is!

[Androcles]

Just tried to find it on the internet and there does not appear to be a site....

[dh001]

http://www.sitejabber...oblemsnoproblem.co.uk

[dh001]

scott please would you disclose how you made the £49 advanced payment fee. Thanks.

[scott1234]

I paid by debit card

[scott1234]

MESSAGE FOR DH01 I PAID BY DD

[dh001]

Okies Scott thamks. Let me just do some research on this 'firm' and I will get to you.

I take it the process was not correctly detailed in any form of communication?

[scott1234]

all details given where correct .i have recentley spoken to somone who has told me that they rang them and gave false name and address and where told by the person who was dealing with them that they had been excepted for a loan.so shorley this companie are not even doing credit checks they must be putting people on hold for 15mins boiling the kettle and then charging people to proceed a application?

[dh001]

"However, the address on their stationary (there is no address on the website) is a rented mailbox address in Devon:-

Queensgate House
Exeter
EX4 3SR
Tel: [phone]

The registered office for Credit Problems No Problem Ltd is also a rented mailbox:-

23 Castalia Square
Docklands
London E14 3NG

I would also bring to your attention the fact that the people who run Credit Problems No Problems Ltd also run Credit Assured Services Ltd and they were censured by the Office Of Fair Trading in 2007 for the same type of activity, ie, "guaranteeing" loans to anyone with a poor credit history"

[dh001]

Scott have a read of this forum

http://forums.moneysa...html?t=1401259&page=4

Advice is given on where you stand and which governing department you need to contact to make formal complaints etc. Any probs or if there is something you do not understand post any queries etc.

[scott1234]

nh01 could you email me these details please to [email protected] realy appreciate you help on this also where did you find that info?

[dh001]

email just sent.

cheers

[dh001]

Sorry to bore you further. Also check your bank transactions to identify who the money has actually been paid to.

[Teleph0ne]

Debt collection agencies use these scams to gain peoples details, these loans are only applied for if you have poor credit rating so you owe money to others and are probably in default. The debt collectors find all your details then buy the debt and all of a sudden you have the debt collectors on your doorstep.

[Teleph0ne]

Also you will probably find that the loan agreement was only "in principle" there will be some small print somewhere. The office addresses will only be a PO box or virtual office so there would be no point visiting them. As you paid by debit card then you will struggle to get your money back. If on the offchance someone does offer you a loan, please get the agreement checked as the APR can be very high.

[lilsecret]

Scott -- -have you seen this?

http://www.creditproblemsnoproblem.co.uk/

[buildersmate]

True, though the biggest source of their revenue is from customers who apply for (but fail to get) a loan. They aren't (yet) controlled by the FSA because they don't actually offer a lending service - just a service offering to try to locate one.