iam in the process of being ripped off by yes loans at the moment. i was told that no money would be taken from my account they just needed my bank details to confirm that i have an account. then they refused me for a loan and after a week they are now taking £69.50 from my account and i can't stop them. i do my shopping online as im very ill and i have a young family to feed and today my shopping did not arrive because i have since found out that yes loans have taken my money from my account and are holding it in a holding account until they take it. i will now be thrown overdrawn and i will not get any money now until next week. so my babies are having to go without until this scum company have finished ripping me off. then i have to have my account frozen so that they can investigate this as a fraud. i have been intouch with watchdog and rogue traders and i would suggest that everyone else does the same its the only way to get this stopped and the only way to let everyone know what a scam this is.

Ghastly company. I made the mistake of giving this lot my card details. Debited funds out of my account within a few minutes. This meant that i become overdrawn. Now i am being hit by OD charges from my bank. 'Yes-Loans' have created a much worse financial situation for me than before i applied for the loan. I needed the loan of £250 to put towards a second-hand car to help me get back to work after a period of illness. My best advice to anyone looking to borrow is go to the review sites first which is what i should have done. YES -LOANS have left a trail of despair & misery for thousands of people.

I enquired about a loan from Yes Loans and they accepted me and took my bank details and told me they would send out the documentation and all I had to do was sign it and send it back and my £1000 would be in my account within days. It has now been 4 weeks or more and nothing has been put into my account but they took £69.50 out which I was not told about when I phoned. That has put me over my overdraft and I have now incurred £98 of overdraft charges.

I want my money back plus my bank charges or I will get a lawyer and I will sue them.

I applied for a loan with yes loans and gave them my fee straight away. After reading so many bad reviews on the net about this cowboy company i want to cancel my claim and get my fee back. I have been on the phone to customer services for over 10 hours trying to get through with no reply and have spent around £60 on my mobile phone doing this.

I received calls from a call centre several times and the main one being Yes Loans/Advantage loans; who took an application form and approved me (and guaranteed) a loan. They then said there was a fee of 49.99 payable which would be refunded if they did not get me a loan. They sent me an agreement which I did not sign but they kept ringing for the fees as otherwise I will not get the loan agreement/money; then when the fees came out of my account (causing me an overdraft charge) they sent me an agreement for a Guarantor Loan - which is impossible because if you have an adverse credit problem, who would take the chance and approve a loan for you at an extremely high interest rate - when they know that a few weeks down the line they will be responsible for the repayment for saying you will be able to repay it in the first place. Then everytime I ring Yes Loans/Advantage Loans, they would say to me that there is an alternative - a guarantor loan from FLM (express amount of £500) which would not require a guarantor homeowner. I waited all this time and all they would do was re-issue the guarantor loan a week or two later - an agreement from FLM and charge me £49.99 again. Then I would get call centres who I found out were the same brokers attached to Advantage Loans and they would do me the same thing and charge me £49.99. When I call the participating brokers linked to Advantage Loans, they would tell me that I have to ring Advantage Loans. Companies linked or attached to AL are: TLG Loans and Yes Loans and also I think "I will Pay you".com. I am also applying directly to Direct Loans uk for a refund of fees which was taken out out of my account illegally. They said that my card details were only for 'verification' of my bank account and before I knew it they had taken out the fee without my approval and before receiving their contract.