Letter to get a loan fee refunded when the loan hasn't been received

This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales

Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months.

This letter should not be used when the trader is in breach of contract.

Sam Hoolin

8 Park Avenue


01632 960001

Giltham Loans

24 Station Road
GT16 3LP

27 May 2024

To whom it may concern,

Consumer Credit Act 1974 (as amended)

On 10 December 2022 I applied for a loan of £8000 to be arranged by your company for a fee of £80. To date, no loan has been arranged.

Under s155 of the Consumer Credit Act 1974, if no loan has been entered into within 6 months, I am entitled to a refund of the fee I have paid, less £5 which you are entitled to keep for your administrative costs.

I therefore require that you refund the amount of £80 less £5 within 14 days.

Yours faithfully,

Sam Hoolin

Further help

Contact the Citizens Advice consumer helpline on 0808 223 1133 if you need more help - a trained adviser can give you advice over the phone. You can also use an online form.

If you’re in Northern Ireland, contact Consumerline.

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