Store-Credit.co.uk

This company is an absolute disgrace it robs people who are obviously in desperate need of credit... such as myself looked into getting a few items for Christmas applied didn't make an order because the stick they were offering wasn't very good at all! They tried to take some money out of my account even though I hadn't ordered anything; fortunately I didn't have enough money in my account for them to take they now say I owe them £200... for what?

I made a loan with them of about £2500, to witch they asked me in advance the amount of £150 to get the loan cause of my credit score being poor. They always told me that the conversations was being recorded and etc! After a couple of days they said that they would need more £300 in order to transfer the loan to my account, witch I have refused! Cause I don't need to pay money to get money isn't?!? After this they told me that the loan would be cancelled and I would receive my £150 back in 3 working days! Witch didn't happen! When contacted them by email they called me and said that would be impossible to cancel the loan until I paid the £300 and I would not receive my £150 back (what was going against what the operator told me by phone)
When I insisted by email they start threatening me, calling me bad names, saying that I would never see my money back, that I could not make anything against them cause they are in UK but I cannot see them! They have been the most rudest persons by email! So be careful with this company! I lost my £150 but I hope they cannot make this to more persons after me

I went to Store-Credit through another website called Catalog Club. This was to take out a loan to purchase goods on finance to repay and I was shocked to find that I was accepted for a £200 loan! The loan is given as a store voucher which is sent over to the Catalog website I mentioned. The repayments against the loan are affordable and the loan; surprisingly is 0% interest. I’ve had no issues with store-credit and would recommend them in the future!

The big problem with them is that they don't explain clearly enough what their service is and how it works etc, this is why I think they are getting a lot of bad reviews and why many understandably think they are a bunch of scam artists, I don't think they are but I can see why a lot do think they are, it's the companies fault for their lack of communication, if a company doesn't answer emails or other kinds of messages then of course people are going to get concerned that it might be a scam, the company ought to understand this and answer any form of contact promptly otherwise they will lose business by the bucket load and get a bad rep, so it's in their interest, the idea itself is alright though.

I have also been scammed by this company! I applied for a £300 loan and then gave my bank details to have the funds put in and then find out that it is some kind of catalogue? Completely misleading and underhand. They also tried to take money out of my account that I didn't have on Christmas day. I didn't order anything or get any money yet they tried to take my money. I am on income support and have no money. They are targeting the poor. I wish I had done my homework instead of being conned. I've contacted the Ombudsman and Trading Standards and my bank.

Thanks for your helpful votes - for those that have suffered because of store-credits actions - take these IMMEDIATE steps

Phone your bank - stop your debit card - report it lost/stolen/damaged get a replacement issued - the new card will have a different number and will prevent store credit attempting to take money.

Ask your bank to stop any direct debits standing orders to store credit.

Phone Action Fraud *******040 - explain the problem - get a Crime Reference Number - give that to your bank. Action Fraud are run by the City of London Police - they are a very very powerful and effective organisation. They are also on line.

Regards

Steve

This company is in complete breach of every statutory law in the land. You have a legal right to cancel a contract within a 14 day "cooling off" period without charge. Ensure you quote when you demand a full, immediate refund. If you received a text, retain it as the message is misleading as it implies a payday loan and the intimation is you will receive a payment, not store credit.

If you don't get any joy getting a refund, contact your bank and advise them you cancelled the account immediately however; they still took the payment. The company can't dispute this and you will receive a refund from the bank. Do not enter a chargeback as they will argue that they have a contract signed (which they had for me however; it was signed under false pretenses) either way, you will get your money back.

After doing some research and checking other reviews, I have found they are also the same company as www.whatlenderssee.co.uk and when you sign up for this, they sign you up for other companies too and again take your money so check your direct debits as they will have also set up a mandate.

It also looks like they are based in Manchester, I have done some reviewing and discovered that they are related to a company called application link based in Manchester.

Good luck sorting this out and ensure you win!

My bank want proof that it originally advertised it as a cash loan but I can't remember what site it was that took me to them? As when you go on store-credit.co.uk it just advertises the credit option which we all know this wasn't what we originally was told when we where all trying to get the cash loan we surposedly where told we where accepted for. Anyone help and remember how they got to this company through a loan search and which site it was?