08450261098

i applied for my credit report online & then for my credit score. the normal £6.99 a month is coming out for my credit report. in the past week a debit of £29.95 has taken & another 1 for the same amount was due to be taken. ive stopped the 2nd payment but because i didnt reply to an email ive lost the 1st payment

jUst wondering how many people actual bank with hsbc as i have just had 2 payment come out of my account. 1 for rewardsnow.co.uk and 1 for quickcreditscore.com both for £29.95. I reported it to the bank before the money was transfered and they told me i have to let the payments go out before they can do anything about it.

i had money taken from my account without me ordering any

i had a call from this number

hi someone from rewards have taken £14.95 out of my bank account without my say so i like it back in my account you can email me emilywheatley40@hotmail.co.uk my phone num is 07958486030


                               thank you miss emily wheatley

yeah they just took 19.95 from  my account im on phone to them now i have to phone my bank more money wasted gr

Same here; I've reported them here; do the same and they'll get collared soon enough.

ACTION FRAUD (Police) for attempted and actual fraud:
https://reportfraud.actionfraud.org.uk/fraudreport/

CONSUMER DIRECT (Trading Standards & OFT):
https://secure.consumerdirect.gov.uk/reportascam.aspx

i had applied for free credit check online...so they took my debit card number and there is a direct debit from my account every month...so what should i do for cancelling the direct debit

Be wary of Credit Expert:

No loan from Quick Decision Loans

BY ANDREW PENMAN ON AUGUST 26, 2009 7:33 PM IN DEBTS AND LOANS

This sounded like good news. "Congratulations, you've been accepted," Andrew Greenhalgh of Atherstone, Warks, was told by Quick Decision Loans.

Andrew was delighted because he urgently needed £10,000 to complete a house purchase.

Crystal from Quick Decision then asked for Andrew's credit card details for a £69.95 admin fee. Only when the money didn't arrive did he discover that QDL wasn't a lender, just a broker.

It said his application had been passed to another firm, Everyday Loans, but Everyday didn't have his details.

"Quick Decision told me that I'd been approved," Andrew said. "So I agreed to pay their fee and now I have been left out of pocket and without a loan."

We asked QDL for their email so that we could forward Andrew's complaint.

First a spokeswoman told us: "It's confidential." Then she said that it was www.quickdecisionloans.com. We pointed out that this was their web address, not an email address.

Next she told us that their email address was on the website, so we asked her to show us how to find it and she couldn't. Finally she gave us an email address for sister company UCC plc.

Quick Decision Loans is the trading name of Smart 2006 Ltd and it has the same directors as UCC - William Clinton of Solihull, West Mids, and Darren Leah of Farnborough, Hants.

So we emailed UCC, aka Unsecured Credit Company plc, but have heard nothing back.

Draw your own conclusion.

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47 COMMENTS

SHARON SAID:
Under the consumer credit act section 155 loan brokers have to find you a loan within 6 months or you are entitled to your fee back.
August 27, 2009 10:51 AM
KAM SAID:
It's sickening that under the current financial climate, these so called 'loan' companies take money from desperate customers. I needed a loan last year and after looking through the web i got details of a company who guaranteed to find a loan. After taking my details, they asked for my card details to cover their admin fee of £49.00. I never got the loan, but was bombarded with text messages from other companies promising a loan and all charging an admin fee. It got to the point where I had to change my mobile number. The FSA should have stricter regulations against these companies and protect the public.
September 1, 2009 11:20 PM
KARL SAID:
Can't believe it... I was using the Credit Expert / Experian Website to try and find a loan, and they send me onto this QDL. You can be guaranteed that they will get short shrift from me when they call, and I am about to send a VERY disgruntled letter to Credit Expert. The cheek in this environment!
September 3, 2009 7:25 AM
ANDREW SAID:
applied for loan with quick decision loans havent recieved loan yet they took 69-95 out off my accout im on dissabillity allowance cant afford to be ripped off like this anyone else appling be very carefull
September 15, 2009 3:07 PM
BORIS SAID:
same here, QDL took £69,95 from my account. without loan without money and no answer. I called them back they told me "hold the line" and i hold line 7 times for about 10min, no answer :)
ps. Im not credit expert member anymore!!!
October 5, 2009 4:22 PM
DEBORAH SAID:
Discusting, i was also charged 69.95 from QDL. and have yet to recieve a call. i think the government should do something about this. we ask for a loan for a reason, not because we want to throw what money we do have away.. Surely their is something we can do??
October 6, 2009 10:29 AM
STEVEN SAID:
i have been victim to this to.its such a pain how this can be allowed i dont know surley it can be reported somehow.
October 7, 2009 9:21 AM
ELISHA SAID:
This is really sad, when most of us got to know about this company through Credit Expert, who were suppose to prevent and advice us on this sort of issue.
I am really disappointed with CreditExpert, that they would be putting their customers to such a bogus company.
I mean I also paid the 69.95 and now I am asking them for a refund. I am really furious that CreditExpert would do this!
October 9, 2009 2:18 PM
DAWN SAID:
i have applyed for loan for 750 pounds and they have taken the fee of 69.95 but they said i hear somthing in 48 hours but i have not heard nothing yet.
October 18, 2009 6:45 AM
ERIN WILSON SAID:
yet another one who's been stung by these cretins!!! Wednesday I thought I was getting married because I finally "had" the funds.... Now, I'm not and I'm £69.95 out of pocket! I'm a mother of 8 children and Thanks good old credit expert.... Thanks for taking desperate people and making them more desperate... Some of us barely have a life and then you lead us to have less of a life!!
October 26, 2009 11:34 AM
NICOLA SAID:
I hve just applied for a loan and went through the whole process then he said i was accepted and would have my money within a week and then asked for the money £64.99,i went slighty mad because i have been stung by these companys before but because i went through credit expert i thought they would be above board ... i refused to pay the money and he said that they were different and i would be paid out,so i said get me the loan then i will pay you the fee when i was happy ,he said you have my number and reference number call me if you change your mind,so i said you are a bunch of con artists and he put the phone down on me !! oh well !!
November 10, 2009 4:00 PM
MONDO SAID:
Sadly I should have searched for these type of comments before I also committed my £69.95 two weeks ago. Although I have spoken to a call centre based in Durban, South Africa on two occasions absolutely nothing has happened. I am going to see whether they can expose these people on national television.
December 4, 2009 2:04 PM
DAVE ALHAN SAID:
I have just reported to my bank that they have took my money without my knowledge i was told by quick decission loans that my loan was approved and they needed my bank details so they can pay the money into my account i waited 3 days for the so called paper work to arrive when it did not arrive i phoned Kaylan at QDL he give me the no of the company that was doing my loan when i called they had not heard of me . and today i noticed QDL had taken £69.95 from my account. i have reported this to my bank but i have to wait 31 days for a response.
December 8, 2009 10:39 AM
KARL CROWE SAID:
i received a call from quick decision loans about a loan i needed quick as i brought a car from a gargage which went wrong and they would not repair it they said yes you will have a loan they took money off me for nothing ive spoke to a manger there to get my fee back who said id have to write to them i said no you took my money quick enough i want it back asap he said plainly no
December 15, 2009 9:58 AM
MIKE RYBAKOWSKI SAID:
I too have been stung by this low life group but what really makes it worse for me is the scenario that like so many of us who subscribe to Experian to avoid credit issues, we find we were directed to this outfit by a company that portrays itself to be protecting our credit status. Then when you contact the bank to inform them what has happened and can they claim back this money, you are told that you cannot retrieve your money as you gave them your details in the first instance.
So what we have is not just "one" unscrupulous company that care nothing about its customers but "three" but there again didnt we already know that !
December 16, 2009 10:10 AM
SENNY SAID:
I am so glad i did not give them the 69.95 over the phone as i have did not trust the admin fee it was relatively too high. I just called them up and I demanded they delete my personal details for data protection purposes.
January 14, 2010 6:22 PM
HENRY SAID:
I was caught by the tonight! £69! I thought it would be a legit company since they were recommended by Experian. The people on the phone are very friendly and when you call back they answer quick. I just can't believe that you can have a whole office full off people that lie to you. Is there not some kind of law against this? I would like to give Experian a piece of my mind, since the are supposed to be there to help you with your credit. Well now it is done so I'll just have to check and see what happens next.
January 14, 2010 6:24 PM
JEN FROM QDL SAID:
I'm disappointed that you were unhappy with the Service from QDL.

As a company we pride ourselves in finding customers the loans that they are looking for. We realise that in all cases this is not always possible as we base our decision on the information provided by the customer on the telephone.

If this information is incorrect and also does not match information as found on your credit bureau report this can adversely affect the decision on your loan.

Any customer that is not completely satisfied with our service is entitled to a refund and upon receipt of your request in writing you will have a refund in your account within 10 days.
January 19, 2010 9:10 AM
CHRIS SAID:
QDL is absolutely useless you cant rely on them when they take you £69.95 they take it quickly but gaining it back takes more than a lifetime. I wouldnt recommend it to anyone to use it at all.
February 1, 2010 3:36 PM
DAVID SAID:
Was told i would recieve letter within 2 working days its been nearly 2 weeks, try to ring always been put on hold e-mails never get reply. They was quick enough to rob the 70 out of my bank account (which they never told me about they said they needed my bank details to pay the money into) DO NOT USE!!
February 9, 2010 3:13 PM
SIMON SAID:
it is a good thing i did not have any money in my account they told us the same thing it also i find this web site to read how theif these these company is i just ring them back and cancel my details.
February 9, 2010 4:55 PM
BAZZA SAID:
i feel like such a fool! I've been conned too! Haha. I went via uswitch.com
Oh well. I'll be surprised if this company is still running by next month. They're going down. Goliath!!! Meet David.
February 16, 2010 2:17 PM
OMG!!! SAID:
Just been reading all your e-mails and i too have just been stitched up. £69.95 out of pocket, Bazza if only i had seen ur message because i did mind the day after you and these [***] are still trading. An alert should come up each time someone searches QDL so they dont fool anymore people. Also went though Experian and boy im i going to slate someone today, cancellin that fake membership they have, not waitin 30 days!
February 19, 2010 10:04 AM
NIKNAK SAID:
Yep we too have been sucked in by these money grabbing people ( would like to use stronger word but best keep it clean) We were told the 69.95 would come out the account once they had found us a loan, no it was taken instatntly. Did hear back from a loan company but all the details were wrong on it. Phoned QDL and reported the guy, Kaylan, and said we wanted the money back in our accont within 24 hours. Were told we would get a phone call back but hey that was 5 days ago. My mates a lawyer........watch this space.
February 22, 2010 10:16 AM
LEE SAID:
I have just been on the phone to quick decision loans and have given all of my bank and card details. Luckily I dont have enough money in the account that they tried to take the funds from. The lady has advised me that they will take the money on Friday via a one off direct debit. What should I do? Should I let them take the money or phone and cancel the process just now? I thought this company had something to do with Credit Expert, Im guessing thats not the case!
February 22, 2010 8:34 PM
MICHELLE SAID:
I too was sent to QDL via credit expert i was glad that i had no money in my account, lucky escape. I hope you all get your money bad. Credit Expert should be ashamed of itself putting desperate people in more financial [***].
March 5, 2010 2:43 PM
ANGELA SAID:
Well done creditexpert for helping QDL rip another 1 off in a line of many,I went with who creditexpert recommended like other people,only to be £69-95 out of pocket how can they still recommend QDL?
March 6, 2010 2:15 PM
MANDY SAID:
omg, have just read everybodys comments reqarding QDL I applied on thursday of last week, gave them my details and straight away was told i was accepted for a loan. I borrowed 69.95 fee from my daughter and straight away it was taken from her account.They said they would be in touch in 24-48 hrs its now mon eve and still hav'nt heard a thing, wish i'd read these comments before applying. will be ringing credit expert first thing in the morning, but don't hold much hope now. BEWARE!!!
March 8, 2010 9:39 PM
SARAH SAID:
OMG I think i might just have got away with this one! After joining credit expert last Wednesday, got an e-mail saying QDL would contact me.....then came 6 text messages saying 'need a quick loan - ring.....' and from Thursday to Saturday 27 missed calls on my mobile (not being rude not answering but i work in a call centre myself so tricky if you're already on a phone!) Anyway at 11am on Sunday the phone rang again and i answered - to be greeted by what sounded like a rather moody South African type lady with no name who seemed to answer my questions for me - luckily after about 4 minutes she hung up on me and i havn't had any calls since!!! Phew!!! And i didn't part with any money.....thank goodness i found these comments!
March 9, 2010 9:41 PM
CRAIG SAID:
I too was ripped off by this company refered to by credit expert. I got on the phone and demanded a full refund after a long argument and a load of rubbish from the quick decission loan rep, i finally used the threat off lagal action and going to the media I received a refund 4 days later. Do not give up be firm and do not take any rubbish off them and you will get your money back, they will ask you to write in which can take extra time but I demanded an email address and sent it straight away it was dealt with the next day. Also sent a email to credit expert to complain about there service but as of yet no reply
good luck
March 10, 2010 4:48 PM
SAM TAVENDER SAID:
I have just this afternoon, been agreed a loan with QDL, i have also just had £69.95 taken from my bank account, this so-called loan is meant to be helping my partner who is stranded in the US. how on earth do i help her now and what are these fraudsters playing at! what procedure can i take now to ensure they can not prursue anything else? but also to gain back my taken money?
March 11, 2010 11:43 PM
SHELLEY OTWAY SAID:
Ive been had too.Ive been a victim and im in tears.ive saving for my wedding hence the application for my loans.Please someone help me ive sat on their customer care lone for 22 mins and keep getting cut off.Ive phoned my bank and they have already taken payment only an hour ago!!
March 19, 2010 2:20 PM
DENISE MESSAM SAID:
I was just about to pay the fee when something told me to go to the web site, i then found this article and i am glad i did because this is out of order and i aint got no money as it is!!!! I'm so mad!
March 24, 2010 9:00 PM
PETER SAID:
I have not had the misfortune of getting ripped off by this company, but I too am furious that Credit Expert have forwarded my details to this shady company. I am getting as many as 20 missed calls in 24 hours.
From the WHOIS database, the company is based in Farnborough, and surprise surprise I live in Farnborough too. I tried calling the number but it's designed to automatically hang up after 1 ring. Deliberately. As of tomorrow I will be doing two things:
1) Visiting their offices
2) Reporting both QDL and Credit Expert to BBC Watchdog.
I will keep everyone posted.
March 28, 2010 9:27 PM
VERONICA SAID:
Paid them just two hours ago, got home from the office googled this info - too late. £70 for absolutely nothing !
Just got off the phone hoping I could cancel payment with my bank (it is in pending payments, answer: no the payment will have to go through. Credit Expert/QDL need to be exposed, I have been easy prey because they recognised my desperation. Another thing that worries me is the amount of information they required from me - although I managed to get away without giving my national ins no. I can not believe I actually allowed this to happen, I even recognised during the lengthy question and answer session just how unprofessional QDL where but because they came via Credit Expert I ignored my instincts.
April 6, 2010 6:00 PM
LEGENDARYAL SAID:
HAS ANYONE EVER GOT ANY MONEY OUT OF THIS COMPANY? (QDL), ITS A JOKE HOW THIS CAN GO ON, IN THIS DAY AND AGE.
April 7, 2010 12:49 PM
TOM BLOWERS SAID:
Hi all, I'm a victim too. At this point I am so cross that I, like many others, would like QDL to be removed from the planet. It appears that there are enough people who have been stung to try and get some momentum going to at least stop some of this companies antics. My idea would be to somehow get Experian to remove them from the website, and ultimately to have the company exposed. I was actually lied to on several occasions and have an e-mail from QDL to verify one of the lies. I will post back on her with a hotmail address in a few days. The hope being that enough people can come together and collectively sort out this problem. I wonder if several people call up QDL record the conversations and ask for confirmation e - mails whether some kind of case could be pursued. At the moment I feel like making it my life's priority to champion the demise of QDL. What about a facebook page as well?
April 21, 2010 9:07 AM
FIONA SAID:
I have just read your comment, and I have also just got my email congratulating me on being selected for a loan. looks like i am out £69.50 and wont have a loan judging by your comments.
DISGUSTED with myself but even more DISGUSTED with CREDIT EXPERTS - THEY ARE THE CON ARTISTS!
Already writing my letter for refund. :(
wish i had of seen all this first!
April 28, 2010 5:31 PM
DEBBIE SAID:
ive,written twice,4 my REFUND !WITH NO REPLY!EVERY TIME YOU RING ...THE LINES BUSY !! YEAH RIPPING SOMEBODY ELSE OFF,
May 4, 2010 7:04 PM
DEIDRE SAID:
I am so angry right now they have smashed my hopes, my dreams and lied to me. I feel like someone who finds out they have won the lotto - their lives are changed and then for it to be taken away a few minutes later. Big con-artists the many others I have spoken to on the phone. The most dissapointing of all is that they were all South Africans, me being South African Myself makes me disgusted to know I even come from the same country!!! My Wedding is now ruined. Can anyone advise legitimate lenders who really do help you and are not a bunch of con artists? Did any of you actually get your £69 back?
May 4, 2010 10:03 PM
JEN@QDL SAID:
I'm disappointed that you are unhappy with the service from QDL. At Quick Decision Loans we aim to provide the best possible service to you. We require your refund request in writing as this ensures that we are able to track, audit and complete the refund process as quickly as possible. All you need to do is write to us at Quick Decision Loans, 3rd Floor, Westmead House, Westmead, Farnborough, Hampshire, GU14 7LP. Once we are in receipt of your letter, it takes 24 – 48 hours to leave our accounts and thereafter a maximum of 10 working days to reflect in your account.
May 10, 2010 3:29 PM
MARTIN COOK SAID:
I was scammed too £69.99 out of pocket!! rang the number to sort out a refund,, the answer phone now says "Aspire complaints dept, sorry the office is now closed!!" i rang them at 3 pm !!!!! been ring for 3 days now !!!!!
May 13, 2010 4:15 PM
CHRIS SAID:
i have also been conned buy this quick decission loans they said i have been accepted for a 4000 loan after the 30 min registration process they tell me ive got to pay £69.95 then i will recive the paper work witch never came so then i try to ring them and get answering machine saying there opening hours 8am - 8pm but still no answer
all i get is outher companys ringing me and they want my details ccu-sister company
and SO I RING THE BANK AND TELL THEM ABOUT THIS SCAM AND THEY SAY IVE VERBALY GAVE CONSENT FOR THEM TO TAKE £69.95 OUT OF MY ACCOUNT SO THEY CANT GET INVOLVED THIS IS WRONG WHAT CAN I DO SOMEONE PLEASE HELP me
cjeffs@live.co.uk
May 17, 2010 5:38 PM
AMANDA DODSWORTH SAID:
i too have been conned they took £69 out of my bank account to get it back i have to ring mrs cashback im on my own with three kids thats a lot of money to me please help
May 20, 2010 2:02 PM
ELIZABETH SAID:
I too have been cooned they took my £69 uptil now no refund and loan was not granted. Can somebody please help. They were recomended by credit expert.
September 17, 2010 4:22 PM
JASON SAID:
I read this blog just after I finished dealing with 'No Worries Loans' on the phone.
I did a Google search for £69.95 because that is what they took from my Credit Card. They wanted to know if I had Debit Cards, I said no only a Bank Pay in card, he wanted to know all the numbers on the Bank Card sort code, account number and other numbers in the middle. Then asked me for my Mastercard number and start date/expiry and last three digits on the back of my card. Then proceeded to help himself to £69.95 on my credit card, the money was my income support and only paid in today! (I didn't give my consent to this) he just rambled on about £69.95 is in line with all loan applications in the UK and he needs it to process my forms and I will get them in the post in a few days. He sounded French, not a British accent, His name was Anno. I should have done my home work. I have never had a loan in my life!. And now, when I have hardly any money and times are bad and I need a small loan to get by these people take from me what little I had. The £69.95 was almost all of my benefit. I only get £82 a week paid into my Cashplus account (pre paid Mastercard) and it's to buy food and pay some bills. I have felt sick all day!. How can these people get away with this? What's wrong with the UK laws?
March 16, 2011 11:29 PM
ALI SAID:
Unsecured Credit Company Plc 4512489 is in Liquidation say Companies House

http://whois.domaintools.com/quickcreditscore.com


Registrant:
Adaptive Affinity Limited
Cavendish House
369 Burnt Oak Broadway
Edgware, Middlesex HA8 5AW
GB

Domain name: QUICKCREDITSCORE.COM

Administrative Contact:
   Affinity, Adaptive  
   Cavendish House
   369 Burnt Oak Broadway
   Edgware, Middlesex HA8 5AW
   GB
   +4408701432343
Technical Contact:
   Affinity, Adaptive  
   Cavendish House
   369 Burnt Oak Broadway
   Edgware, Middlesex HA8 5AW
   GB
   +4408701432343

http://whois.domaintools.com/rewardsnow.co.uk

Domain name:
       rewardsnow.co.uk

   Registrant:
       Adaptive Affinity Ltd

   Registrant type:
       Unknown

   Registrant's address:
       Cavendish House
       369 Burnt Oak Broadway
       Edgware, Middlesex
       HA8 5AW
       United Kingdom

   Registrar:
       Easily Limited t/a easily.co.uk [Tag = WEBCONSULTANCY]
       URL: http://www.easily.co.uk

   Relevant dates:
       Registered on: 27-Apr-2007
       Renewal date:  27-Apr-2013
       Last updated:  03-Feb-2011

Adaptive Affinity Ltd details: http://www.levelbusiness.com/doc/company/uk/05493004

Now do a quick http://www.google.co.uk/search?q=Adaptive+Affinity+Ltd+scam search...