Money & Insurance > Guides

Had money taken by Credit Hub, Credit Angel or Loan Marketing? Read this

Tom Bailey

Tom Bailey
Jan 24, 2017


If you’ve had money taken from your account by Credit Hub, Credit Perfect, Loan Marketing or Credit Angel and are not happy about it, read this.

This guide will tell you how to both cancel your membership (yes, you are a member - that’s why they are charging you).

We also have some advice on trying to get your money back from the company.

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Send a letter in the post

The surest way is to send a letter in the post. From what we’ve heard, emails often go ignored.

Whether you are writing to Credit Hub or Credit Perfect, address your letter to a “Michael Ransom”. We did some digging and he’s the man behind these firms.

The address of the company is Credit Hub, Oxford House, Oxford Road, Macclesfield SK11 8HS.

However, you could also try sending a letter to another address associated with the companies: Cottage Street Mill, Cottage Street, Macclesfield, Cheshire, United Kingdom, SK11 8DZ.

Start your letter by demanding your membership be cancelled.

Be unequivocal about this.

 

Ask for a refund

Also, it is worthwhile demanding a refund for any money already taken. Insist that you did not understand the terms and conditions of membership and point out any special circumstances you may have.

For instance, if you have dyslexia, you could point this out if it prevented you from understanding the T&Cs when you signed up. (Don’t lie, of course)

In the same letter, tell them that if you’re not given a refund you will file a complaint with the FCA and Financial Ombudsman.

We can’t guarantee this will work, but it’s worth a shot.

If you do decide to take the route of contacting the Financial Ombudsman, who will advocate on your behalf, our guide on using the regulator can be found here.

You can contact the Financial Ombudsman online or by calling 0800 023 4567.

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Cancel your card

Another way to stop Credit Hub or Credit Perfect taking payments is to cancel the bank card linked to the account they are taking money from.

They won’t be able to take any more money after that.

With a new card, they will need your new card details to once again be to take money from you again. Make sure you avoid these sort of companies in the future.

Google any website to read reviews before you hand over your card details and make sure you read our guide on how to get your money back if you’ve been scammed online.

To avoid paying a £14.99 charge just to apply for a loan (the ruse used by Credit Hub), read this first