i have recently been scammed by yes loans, told in writing i was accepted, recently seperated with two kids desperate for money, paid £69 admin fee and heard nothing

there should be a law stopping them doing this with innocent desperate people, who need every penny they have

all admin fee charges should be refunded and the company sued by watchdog

I was offered a loan from yesloans.tv and i had to pay £69.50 with my debit card in March 2009 as i wasn't happy with their service i asked for a refund in May and they told me i would have to wait until June before i can get a refund.I have been phoning sent emails and still haven't got a refund and now this is August 2009. It costs `10p a min on the phone and you are always in a queue i hang up after 10mins. It's appalling company like this get away with it.

I recently applied for a loan with yes loans and they said they found me a loan of £ 6500 and repayment of £200 a month for 3 years so i said ok the sent me a form out asking for a fee of £69.50 so i didnt ant to pay so i never replied to the letter or texts i went to the bank and found out yes loans only taken the charge out my bank without asking or letting me know so i rang them up and they said i cant have the charge back as its been paid to them they then said they found me a loan of just £3000 max can i get my money back somehow as the company is a big scam taking money without concent i thought was against the law

I recently tried to get a loan from Sainsbury's for a car, which as I expected was declined. However my details must have been passed to other companies as ten minutes later I received a phone call from Yes Loans.
The girl I spoke to explained that they help anyone in any situation with bad credit. (this is what the website also told me when i researched them) The girl told me it was good news and I had been accepted for a 1000 loan. All I had to do was pay a 69pound admin fee and the money would be transferred to my account within 5 working days, so I paid it 2 days later.
Two weeks later there was still no sign of the money so I rang them. I was told that their first lender had declined me but that they would check with the second lender, I said I didnt want this as I have heard that credit checks in themselves can affect credit. The guy I spoke to said that they had already accepted me so I assumed I may aswell agree to taking it. He assured me I would recieve the paperwork with 5 working days.
A further two weeks later I was still waiting and yet again, contacted them demanding a full refund. The said this couldnt happen I would have to make this request in writing which I refused. I was on the phone complaining for about 45mins when the guy I that was dealing with went through to admin who apparantley said I would receive a cheque with the refund within two weeks.. (it gets worse)
A FURHTER THREE WEEKS later and suprise... still no cheque, and again I contacted them..
This time I spoke to Adam who seemed quite helpful considering my mood and attitude. However when I explained my last conversation with Yes Loans, he went on to tell me that I was lying and that the last guy Chris that I had spoken to did not tell me that I would receive a cheque! I asked to speak to Chris however he was conveniently on holidays at this time. I then demanded to speak to a manager and was told that managers at Yes Loans do not take calls, but that he would pass me through to Christine Turner, supervisor in Admin. Christine said that they could bend the rules and if I sent a fax to confirm my wishes to cancel that she would be willing to accept that. I refused explaining that I don't have access to fax facilities and that I would not be writin in as I had waiting long enough. She then said I could send an email which I did. She said I would be sent a cheque.
Yet here I am a further two weeks later still waiting. The company is an absolute disgrace and I would recommended anyone NEVER EVER to use them!!!

I started working down Yes Loans on 7th Jan 2008 where i was trained for a week then put into my week in hand, i had to wait 3 weeks before my first pay!

Throughout the time i was working for them they passed me around to different departments even one i had never been trained on but most of us put up with it due to good pay for most of us young people with no qualifications so we was taken advantage of.

Hitting summer last year approaching the credit crunch everything started going mad managers requests from Keith (Wilton) Chorlton the main boss to start making us work overtime over wise we get threatened the sack, not the overtime that bothered me it was the fact we didn’t get paid for any of it.

Normal shifts 9-5.30pm they made us work 9-8pm everyday, Saturdays occasional Sunday, and even bank holiday Monday!
If anyone had a complaint about it all the managers would say is that our bonus pay will cover the overtime we done, the funny thing was that the targets were set high enough so not many people got paid bonus or they wouldn’t pay it and most of us would end up with our basic wage going home tired and stressed.
Not many people argued about the way we was getting treated as everyone knew the credit crunch had hit bad at that time and how hard it would be to look for a new job.

Most departments were having meetings every week due to targets not being hit which was down to the credit crunch but obviously Mr Chorlton didn’t really care as long as he got the money he wanted!
As Christmas came along everyone waiting to have a nice break but unfortunately if you hadn’t booked it off in about 3 months advance you couldn’t have a holiday!
Luckily I booked mine off so as I was looking forward to my week off which did go successful I did have a nice time to relax over Christmas.

The day I came back from my holiday was the day when the whole place was covered in security guards, everybody wondering what the hell was going on
The managers started calling us out group by group, which started causing suspicion when the groups weren’t coming back in, it was simple everyone knew what was happening we were getting the sack! That day eventually my name came up so I walked to the meeting room to see what they had to say surprisingly they said it was due to not hitting target I didn’t bother saying nothing as I wasn’t the type to answer back I think it upset me more than anything knowing what hard work and effort I put into the company and they used me and many others.

As I got home I realized that they owed me £780 from hitting my target in the month so they sacked me for basically no reason at all, I did manage to get the money they owed me but it just made me sick that I couldn’t do nothing about what they put me through.
I got sacked on the 29th December 2008 which because of that I couldn’t take them to citizens advice because they sacked me before a year had been complete.

I moved on and found a job which made me realize how bad that company really is, it made me laugh that my friends who worked there also was getting phone calls to go back, I was glad I changed my number YES LOANS are a SCAM! What they do to people is sick! Never apply for a loan or work their I could go on about many more things. I just think its really sad Mr Chorlton has to treat people like this and has no feelings most probably because he thinks he is big due to the money he is claiming from the less fortunate people in Britain. Will someone please investigate into this messed up buisness.