Hello. I am a solicitor with over 15 years experience. I will try to help you with this.
Thank you so much
So you are £200 out of pocket and appear to have been the victim of a fraud.
I am just having a look at their website.
I'm actually £365 out of pocket :( and yes, it seems so
This sounds like a classic scam in that they asked for money from you before forwarding you the loan funds. This link may be helpful to you. http://www.uknetguide.co.uk/Finance/Article/Beware_of_loan_scams-101158.html There is alink to an OFT service where you can search to see if a company has a valid creit licence. I searched n this and got a "no results" response. In terms of what you can do if they are a legitimate loan company but have inflicted bad practice on you then you could turn to the trade body or ombudsman for help or bring a small claim against them. If as seems more likely they are criminal fraudsters then you should contact action fraud (http://www.actionfraud.police.uk/) to instigate a police investigation.
By the way I don't think it was stupid of you to apply for a loan at what no doubt looked like a regular loan company, these people are exceptionally devious.
I would be grateful if you would take the time to rate my service to you. This will not close the question and I will continue to answer further questions.
Thank you, XXXXX XXXXX feel very stupid though, but thank you for your advice.
My husband is out at the moment, he'll be back around 8pm and may have some more questions for you, is it ok if I keep this link open until then?
Yes it is.
Thank you. If I rate the question now, will it close the link or should I wait until later?
it will not close the link, the question will stay open and we will still be able to chat.
'oh, it's just that it says 'rate below to finish or reply' I will rate it as you've helped enormously but I'll wait until later if that's ok
that is fine
I will be away from this site for a while now but will look again later.
Hello again, Mu husband is back now but he doesn't have any questions for you, however, I do have another question, they gave me two bank account numbers to transfer money to - Lloyds and Barclays - is it worth going to see them to try to re-coup my money?
Hello again, My husband is back now but he doesn't have any questions for you but I do have one more question. I have the two bank a/c names & numbers they gave me to transfer the monies to, would this help my case?
Hello, I've contacted action fraud as requested and filled out a form online
Good hopefully some effective action can be taken. There is no harm in contacting the banks but I very much doubt anything useful will come of it. Banks have shown in recent years a willingness to happily work for unsavoury characters.