Loans 4 U Reviews - www.bad-credit-loans-4-you.co.uk

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Latest Reviews

★☆☆☆☆

“Before Christmas I went through the same thing. Even...”

Written on: 11/06/2019 by oxGriffin-Alt100 (1 review written)

Before Christmas I went through the same thing. Even though I explained to them I needed the money I had for my children for Christmas, they still managed to take £345 on the promise of getting me a loan so I could give my children a good Christmas. They were nasty nasty foreigners who took my money without a care for my children’s happiness. They ruined my families Christmas taking my money… Read Full Review

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★☆☆☆☆

“This company thieft from my bank account £59,99. And...”

Written on: 23/08/2014 by gcMartin461 (1 review written)

This company thieft from my bank account £59,99. And where is my loan-£300?… Read Full Review

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Beyond96's Comment

Written on: 26/10/2017

Your absolutely right!!

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★☆☆☆☆

“How did they get my details?”

Written on: 15/08/2014 by Cheyannee391 (1 review written)

How this company got my details I will never know but I can bet that it was from another loan company that I applied to they should not be allowed to practise (I got a call from them saying I would be able to get a loan for £2500 with easy repayments of 36 months at £101.00 per month? great right WRONG you have to send a payment of £100 on a Ukash voucher for your loan to go into your account what rubbish they must think I was born yesturday with this in mind they have been calling a leaving… Read Full Review

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Beyond96's Comment

Written on: 26/10/2017

They have been doing the same to me forcing me to pay £50 insurance to put the loan into my account then tall me to call back and they will put the money straight away to my surprise they asked me to put another £125 and then they will put the loan when I did they told me I put it in the wrong account and who gave me permission to put the loan in without notifying them and that now the money has gone somewhere else and I need to put another £125 call them back or they can wait on the phone while I do it and then guarantee the money would be in. The guy on the phone was speaking to me in such a tone I couldn't believe it!! Then straight away I knew it was a scam. Now all the money I had is gone and no way of me getting it back don't think the banks can get this money back for me. I am left without the loan and no money for me and my children. Please, guys, don't trust this company ever!!

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★☆☆☆☆

“Up front payment”

Written on: 15/08/2014 by Fatzdomino (2 reviews written)

They will ask for an up front payment in the form of a Ukash voucher for £100 .00 to verify your loan not to be trusted check out FCA site… Read Full Review

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★☆☆☆☆

“rip offs”

Written on: 07/07/2014 by Gordonkz176 (1 review written)

I was told i could get £1500 loan off them. They first asked me for £49 then £149 then £100 and then got told they couldnt put my loan into my bank because of my low credit rating. I now realised i have been conned and i am reporting this to the police and the fsa.They took all my money. I have 3 children who because of this company i cannot feed tonight because they took all my money and i had to borrow the last £100 of my sister in law. I am very hurt and upset by all of this. This… Read Full Review

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Fatzdomino's Comment

Written on: 15/08/2014

They are trying to trick me for £100 saying I should get a voucher from Ukash for £100 bring it home call them and tell the the voucher number and how this will go to the cost of my PPI and 1st repayment this is a trick why have'nt the police been called

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★☆☆☆☆

“DO NOT USE LOANS 4 YOU”

Written on: 02/02/2014

They prey on vulnerable peopl who want to borrow money. DO NOT EVER USE LOANS 4 YOU. they took £100 up front from me and said money would be in my account within 30 mins. They told me to use UKASH. within 30 mins of me paying in the money they had taken it and when i called them they said that i needed to pay another £139 before i could get the loan. I told them that was not part of the deal. I could actually hear them all talking and laughing in the background. I shouted to them down the… Read Full Review

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Vesa's Comment

Written on: 04/07/2014

same happened to me.so now soon i hear indian so and so on the phone even for face cream i put phone down.PLEASE DO NOT USE THEM U WILL BE SCRUED AND GLUED AND THEY WILL TAKE YOUR MONEY ANY TIME THEY WANNA..S**T HAPPENS

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Beyond96's Comment

Written on: 26/10/2017

Very true they took money from my account also £175 then told me to call back in 30mins and guaranteed payment...they put the money in all and the person I spoke to decided by shouting at me I would give him more money I didn't and contacted by bank telling of the situation!!

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★☆☆☆☆

“what the hell!”

Written on: 23/08/2013

I entered into a battle with loans 4 u,tried and tried to get my money back.Just called them only to be told that they have gone bust!What the hell! What about my money?How can they get away with this? I can not afford this!I hope none of these people are allowed to front a phony company again,they prey on vulnerable,stressed,hardworking people… Read Full Review

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Victimofascam's Comment

Written on: 02/02/2014

i wanted to borrow money and they said it was fine. All they needed was my account number and sort code, name of my bank. They told me that i needed to be £100 up front and then i would get my loan money. They wanted me to pay with UKASH. I paid the money and 30 mins later they called and said i would need to pay another £139 before i could borrow the money i lost £100 and I suspect they will try to take money out of my account. These people need to be caught. it ws like a call centre but now i believe it was from a house. This is bad that these people can get away with this. They should not even be allowed to have a web site.

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★☆☆☆☆

“THE WORST COMPANY EVER!!”

Written on: 02/07/2013 by pshannonh (1 review written)

Ladies and Gents, Turn back now, Do not even look at this poor excuse of a company! First they took my payment upfront with no problems. I was then told by three different people my loan had been accepted, all i had to do was to wait for the money to be sent to my account.. i waited.. for TWO WEEKS! it was after many confused calls from myself that someone actually bothered to inform me that they were a broker NOT a lender and they had passed my account on and they couldnt do nothing about it… Read Full Review

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Moe55's Response to pshannonh's Review

Written on: 10/07/2013

I am having a lot of trouble with this company they have messed me about now for a coulple of months,i paid £50 upfront and was told I had got the loan ,but I had not they sent mi info off to 3 different lenders,i have asked for my money back ,but the cheeky sods ask me to send for a credit report which I have to send to them,they are a total waste of space,should be able to get money back without the hassle ,they were quick enough to take it !!!!! DO NOT USE THIS COMPANY

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★☆☆☆☆

“what to do about NATIONWIDE LOANS 4 U.”

Written on: 28/06/2013 by FABAKU (1 review written)

[Your Name & Address] [Date] Dear Sir/Madam On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid. I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep. I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his… Read Full Review

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Fabaku's Response to FABAKU's Review

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“RIPP OFF SCAMMERS AUTHORITIES SHOULD CLSOE DOWN”

Written on: 27/05/2013 by 1967VIKE (1 review written)

terCant understand how they are able to continue in BUZ. they took 54.99 off me promised me the loan and all i got in return were dozens of emails and text from payday lendrs mobile phone contracts , guarantor loans 4 weeks later still RECEIVING. i was stupid to fall for their promises - please dont be the SAME. i have written to them for a refund and they didnt even respond .YOU try calling them nd you are on hold for ages nd they promsise they can still get you a LOAN. they should be… Read Full Review

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Fabaku's Response to 1967VIKE's Review

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“Truly the worst experience I have ever had”

Written on: 12/05/2013 by Smeish (1 review written)

I cannot stress how awful this company is. They prey on people desperate for help and take your money. After a telephone application, they advised that I had been successful in my application and they had secured a loan for me. They then said I had to pay an admin fee of £54.99, which I didnt mind at the time as they had confirmed they had secured a loan for me. Needless to say, they hadn't. They took my money and provided me with no loan. They have ignored all of my emails and phone calls… Read Full Review

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Fabaku's Response to Smeish's Review

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“DO NOT FALL FOR THIS!!”

Written on: 10/05/2013

I called nationwide loans for you as they ticked all the boxes for me NO GUAURENTOR, LOW INTREREST & The amount offered was what I needed to pay various other debts and get me back on track! If anything nationwide loans have put me further off getting my finances sorted. When I started the application the first question I asked was "do I need a gareuntor?" And they advised me no, explain how they are govern funded or something along those lines. So I put all trust and faith in them thinking I… Read Full Review

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Fabaku's Comment

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“I received a call from this company stating that I...”

Written on: 01/05/2013

I received a call from this company stating that I have been approved for a loan. I asked them were they got my details from. They stated I applied to other companies recently. The operator stated that I have been approved a loan. The funny thing is they will ask you an amount that you are comfortable to pay every month, only people with really good credit history will get. They will verify your details then ask you for your card details and bank account details. I asked them why they need my… Read Full Review

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Fabaku's Comment

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“Nationwide loans 4 U - Do not fall for it.”

Written on: 25/04/2013

I contacted Nationwide loans 4 U for a small loan and they accepted it straight away and told me that I would need to pay 54.00 admin fees, they would then release the amount into my account within 3 working days. I told them I would pay the fees on my pay date which left me two days before the money would come out of my account, luckily I did that as I sought advice and I was told that loan companies never ask for fees up front and also to read the reviews which I did. I went to my bank as… Read Full Review

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Fabaku's Comment

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“Warning don't give NATIONWIDE LOANS 4 U your bank details”

Written on: 18/04/2013

i was called by a loan company called NATIONWIDE LOANS 4 U, which said to me that I have been accept and found me a lender for a loan of £900.00 they even told me the break down how much i would pay back a month of £44.00 amonth for two years payments etc. I was asked for an up front payment of £49.00 that i was silly and pay it... I was told i would have my £900.00 loan in my account. Alarms was ringing when I didn't received my loan application through the post to sign for, so I… Read Full Review

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Fabaku's Comment

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“ADVOID”

Written on: 15/03/2013 by sammiej0116 (1 review written)

this is the worse comany i have ever delt with and terrible customer service. I was promised a loan with repayments that suited my needs after i payed the £60 admin fee i was told i could not get the loan they promised me. Still waiting for a refund never use this company!!… Read Full Review

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Fabaku's Response to sammiej0116's Review

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

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★☆☆☆☆

“con artists avoid at all costs”

Written on: 09/08/2012 by terilou87 (13 reviews written)

this is the worst company i have ever dealt with!! avoid at all costs. I have been conned out of £59.50 by this company, i originally called to find out what implication getting a consolidation loan would have on my credit report, i was told it would be like another loan and all i would need to do is go through a quick application and the money would be in my bank in 3 working days. so i went through all the details and was told i needed to pay and admin fee of 59.50 to process the loan then i… Read Full Review

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Xxxbrowneyesxxx's Response to terilou87's Review

Written on: 15/08/2012

same for me i applied in may was told loan accepted and i paid fee
of 49.50 what a fool i was they put me on to two lenders both declined me, did state that if you dont get loan you can have your money back i have requested refund they have refused now asking for me to pay to get a copy of my credit report and they will continue to search for a lender for me these companies need taking of the face of the earth please do not use these scammers i intend to get my money back but others please do not use these people
i dont know how hey sleep at night its disgraceful that they can get away with this

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Fabaku's Response to terilou87's Review

Written on: 28/06/2013

[Your Name & Address]

[Date]

Dear Sir/Madam

On the [Date] I made an application to your company for a loan of [Amount]. I have a copy of the agreement which was signed and sent back to you. The [Fee £ Amount] administration fee was paid.

I would like to ask that you refund my administration fee minus £5 which by law you are entitled to keep.

I would at this time remind you that Section 155 of the Consumer Credit Act 1974 provides that a credit-broker may charge no more than £5 for his services if the consumer does not enter into a relevant agreement within six months of an introduction to a prospective source of credit or hire. If the broker has already charged more than £5 for his services and section 155 applies, the excess must be refunded to the consumer upon request.

As I have never entered into any relevant agreement the above applies and you are lawfully bound to refund the original administration fee, minus £5.

Should you fail to do so, I will have no option but to report your company to the Office of Fair Trading to whom you are licensed by.

You have 21 days from today in which to refund the requested monies. Please make any cheques payable to [Your Name]

Reply to this comment
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Smartieslover's Response to terilou87's Review

Written on: 19/02/2013

Thank god i just stumbled accross this site. I was thinking about taking a debt consolidation loan from this company but was waiting until next week to pay the £49.50 processing fee. I specifically asked the woman on the phone if i pay the processing fee is there any way your company can then refuse then loan. She said " no, your loan has been accepted with us and once you have paid the fee we will send you out a copy of your loan agreement to sign and return. Then we will process the paperwork and the money will be in your bank no later than 3 weeks from the day we receive your paperwork back." But after reading these reviews i think i might give it a miss now. Thanks guys

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Boomoo31's reply to Smartieslover's Comment

Written on: 26/02/2013

I did the same thing I rung up and cancelled but trying to find another loan is proving difficult hence why they re trapping people as they re automatically just saying yes! Glad I looked further and actually find some reviews lets hope they dnt just take the fee any way!

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Lmas1's Response to terilou87's Review

Written on: 07/11/2012

the reason why you couldn't find any reviews is because they had that many bad review they shut it down! they are a complete shambles i had the same problem im not going to write about what happened as it is too much to write and explain again but i will say one thing STAY AWAY FROM ALL THESE BAD CREDIT LOANS AND PAYDAY LOANS ECT THEY ARE THERE FOR ONE THING AND ONE THING ONLY TO CAUSE YOU UPSET AND TAKE YOUR MONEY WHEN IN NEED, I WAS SO STUPID TO GET CAUGHT UP WITH THESE PPL!! COMPANIES WHO WANT UP FRONT FEES, STAY CLEAR, YOU SHOULD NOT BE PAYING MONEY OUT TO RECIEVE MONEY!!

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Terilou87's reply to Lmas1's Comment

Written on: 09/11/2012

yeah this was a couple of months ago now iv definatley learnt my lesson, 60 quid out of pocket they couldnt get me a loan and i refused to pay extra for them to credit check me aswell so they refused to give me my money back. hope people read this thread before going anywhere near them

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Terilou87's Response to terilou87's Review

Written on: 16/08/2012

they are trying to get me to pay for the credit report too. i am waiting 8 weeks and then going to fsa. iv tried to complain to them and they are ignoring me after 8 weeks i can get the fsa to look into this for me.

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