Advantage Loans www.advantageloans.uk.com

We took out finance for our caravan with them through CARLOAN4U

after setting up the agreement we changed our bank, we have now sent them 5 direct debit forms all off which haven't been processed by advantage. Everytime they failed to take payment via direct debit we paid by card via the telephone. The last time we made a payment the lady assured she would telephone on the number I provided for her, after approximatly 8 weeks (2payments) we hadn't heard anything from them assuming they had taken it from our bank. I then visited my bank to check this and they have no acknowledgment off them trying to set up the direct debit. We then contacted them to discuss this and make payment. We were then told no we are taking the caravan and you have to pay 6000 still in interest. I then contacted my solicitor who contacted them, he also told them again we wanted to make payment. Dispite us trying to set up direct debit, which they said we could only do via there form which they have managed to not process 5. I also asked for there bank details to set the direct debit up in my bank. Or if they could set it up on the telephone, both options were refused.

We have done everything in our power to make payment to advantage finance, but they have made it impossible for us to do so. I have now contacted there governing body the FLA who have opened a case to try and resolve the issue and make sure they are following the correct code off conduct. They have also requested they put a hold on any proceedings until they have resolved the situation. Despite this advantage sent 3 men to collect the caravan, they were aggressive, had no ID. Luckily the police drove past and told them that they had to get a court order and that they had to phone them before visiting. it was very frightening, thankfully the police were in the right place at the right time. MY brother also videoed them for evidence, hopefully the FLA will resolve the problem. As my solicitor said they are sharks and they've opened a trap.

BEWARE PLEASE DON'T USE ADVANTAGE FINANCE OR CARLOAN4U

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Received a rather abrupt email informing me that my application for a car loan had been rejected, thanks for that, so much for helping people

I cancelled my dd in error I let the know and they charged me £13.50 onto of an already extortionate interest rate. Sad companies like this are allowed to get away with this.

I had money taken out of my account without agreeing to anything or being sent anything, in this day and age every penny counts especially when you have 1 young child and another on the way. I feel absolutely robbed by Advantage Loans and will be doing my utmost to warn everyone from them! I am hoping to get a refund of the money asap but i'll not be holding my breath!

Me and my partner applied for a £5000 loan, they sent us one option which was FLM loans who only lend a maximum of £3000 and another was Zopa Loans where you borrow from other people.We had to pay £50 to be told we can't have a loan for 5000 but can for 3000 if your retired mom passes a credit check. I think this is stupid that they would need my moms bank details... because if we couldnt pay back the loan we wouldn't be applying for it.Stick to getting a loan from a well researched and respected place such as your bank.I will be sure not to deal with these again!

They didn't listen to my needs (such as not being able to have a guarantor), and every loan company they put forward to me either needed a guarantor or just did not accept me.

Also, they said the company that they put forward to me numerous times was "the best option for me and my circumstances", even though they wanted to charge me almost £1000 interest on a small amount of money.

this was NOT the best option for me anyway as, yet again, the required a guarantor.

They sent me the same options 5 times.

And now they are refusing to give me my money back unless I write a letter to a complaints dept.

They also said that I may not be able to get a loan until May 2009 when I may not need the loan anyway, just to give me time to clear up my credit history!

In my opinion, they should see if they can actually help people get the loan they need with the requirements the customer requests (e.g. no guarantor) before the brokerage fee is paid.

It has been nothing but stressful rollercoaster with advantage loans, and I would not recommend them to anybody, no matter how desperate you may be for a loan.