I applied for a loan with yes loans, they appeared to be a loan company. I didnt continue with the loan because of the high interest rate and I had to provide a guarantor. The guy talked at lightening speed and I didnt understand much of what he said. I was then passed to someone else who was going on about putting money in my bank and i paid it back when I got paid. Once I clocked what he was on about I said no at least a dozen times to this loan. He said it would give me credibility when applying for the main loan. The loan was called a pay day loan. Even though I told him I didnt want this loan he still went ahead and processed it and sent me three emails asking me to sign electronically and the payday loan would be put in my bank within 24 hours. Eventually the emails stopped but then the phone calls started nearly every day they would call asking me to complete the payday loan. Today the admin charge was taken out of my bank without me knowing. I tried disputing it with my bank but they couldnt help. I called Yes loans and once again they totally confused me. Everything I disputed they had an answer for. They said I had to write to them to cancel the loan which I had never asked for. I have done this recorded delivery and asked for a refund for the amount taken. they said they would check the recording of my original conversation (do companies actually record conversations for quality and 'training purposes') I very much doubt it. They said it could take 30 days to issue me with a refund. I have given them 14 days to respond.
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