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Sharon T | I recently applied for a loan and have been advised? |
I have been partially approved, the operator told me she would send forms to me that I should return with an administration fee of £47.00. She then said if I do not get approved I will get this back, does this sound dodgy to you???? |
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Bluebell
|
Ridiculously dodgy. You shouldn't have to pay anything when you apply for a loan. Don't do it! |
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materialgirl
 |
hiya, this does sound abot dodgy, i used to work in a bank and we never charged you a fee to take out a loan. why should you have to pay for something when your not even guaranteed you will get one. is this a well known company you are getting one from? please find out alot more about the people you are getting the loan from before you send of your forms and why dont you take a look around at all the different rates that are available in different banks, tescos loans are very good. hope this helped. goodluck xx |
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Ò‰FuzzyÒ‰ - Ò‰No-NosedÒ‰ - Ò‰ChimpÒ‰
 |
Hell yes, sling them in the bin. Go to your bank. If they won't give you one, take the hint and make life changes, anyone who will give you a loan, if your bank doesn't is going to charge you a hell of a lot of interest.
Anyone wanting money to give you a loan is a con. They get their money from the interest payments, or if they are a 3rd party broker, they get commission. |
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jude_caryer
 |
Sounds dodgy to me, I think the only time I've ever paid an admin fee for a loan was for a mortgage.
You might also want to very carefully read the small print...
Obviously it depends on the sum of the loan and your personal circumstances, but remember that the companies who make loans to "high risk" people do it because they charge extortionate rates and run you down like a dog if you don't pay. |
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metpc2003
|
Yeh! Usual scam operated by brokers like Advantage Loans (CGS) Credit Gain Services and Wentworth Finance who are all keen to hide the fact that they are not loan companies but loan brokers - they never return the money and you never get approval (certainly not by them!).
Any reputable loan company will not charge you any kind of up-front fee.
DO NOT TOUCH THIS WITH A BARGEPOLE!
Oh, by the way, MARTIND who has responded to your question runs SureFireFinance - Yup! You guessed it! He's a broker!!! |
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boston857
|
Please don't send any money. Any fees are usually charged to the loana nd paid at closing.....they can either be built into the loan or paid by the borrower at closing/settlement. |
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Copper Jan
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It sounds bad to me, I wouldn't do it. You need to build some credit. If you have a savings account or checking account, and a job, go to your bank. Ofcourse, your talking pounds (currency) so England may be different than the United States. |
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Pat R
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Yes it does,there have been questions on here before about this practise.
All i can say is ,ive never had this when ive applied for a loan,sounds like a dodgy firm to me. |
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Colin H
|
it would depend on how much your loan was for. I'm assuming the loan is unsecured? If so then an administration fee is usually required, generally being added to either the first or last payments, however £47 seems excessive. The most I've paid is approx £4 on a £10k loan. |
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lilly
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Yes. You dont pay any fees till you get approved for a loan an even then its rolled into your loan. |
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MARTIN D
 |
Just a question to those who have answered saying never pay an upfront fee.I'm a little confused why people continue to say 'never pay any fees up front'?
If you want an unsecured loan and go to a broker the only fee a broker receives would be the administration fee. If you use a reputable broker, meet the criteria set out in the letter and are refused a loan then they should refund your admin fee.
They would normally ascertain why you were refused and if it was because you didnt meet one of the set criteria then you wont receive a refund, however if you did meet all the criteria and were refused they should issue a refund. The problem is as in all walks of business life you have to use a reputable broker.
If you apply for a secured loan then you shouldn't ever pay an upfront fee as the brokers fee is paid by the finance company.
If you want an unsecured loan and use a broker then generally there will be an admin fee, would you use a solicitor or an accountant and not expect to pay a fee? |
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