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  • Concept Loans

    Hi all, newbie here, has anyone ever used Concept Loans? I applied for 1 & they said they've accepted me but they r asking that I transfer the first instalment into their bank & then within 30 mins they will send the loan to me???

  • #2
    www.conceptcarcredit.co.uk › bad-credit-car-loans Are Bad Credit Car Loans the Way to Go? - Concept Car Credit



    28 Jun 2018 - The media have long made up their mind: Bad credit car loans are a serious problem and need to disappear! Just open up the newspaper to a ...

    Car ;#loan no doubt?? if a company wanted a 1st payment ahead of giving loans the alarm bells would ring??? a spammer could do the same and money into their account and run???


    await somebody who may know this company etc???
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #3
      Yes that's what I was thinking too, I have never heard of companies asking for a payment upfront before. Said they cannot take card payments as all calls are recorded????
      I have googled them to see if there are any reviews on them but nothing is coming up, they don't even have any on their website.

      Comment


      • #4
        Sub Status Effective Date This is the date from which the Current Sub Status has applied

        11/12/2019
        659076
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5


          Concept Mortgages Logo

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #6
            Hi, I don't think that is the same people.

            Their website is www.conceptloans.co.uk, I have had a look on it and it does look above board but I am unsure.

            Comment


            • #7
              uk.trustpilot.com › review › www.conceptcarcredit.co.uk
              Concept Car Credit Ltd Reviews | Read Customer Service ...







              Rating: 4.7 - ?1,272 reviews
              Do you agree with Concept Car Credit Ltd's star rating? Check out what 1272 people have written so far, and share your own experience


              some of the reviews ring bells in my mind = somewhat reparative, few bad near the end about pushy salesmen? but might be me warning bells ????? see anybody know them, remember these people percentage rate is very high. buy a cheap run around until you can afford upgrades??? my thinking????

              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #8
                [lease answer is it the car loans you were looking at>
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #9
                  Originally posted by The Tech Clerk View Post
                  [lease answer is it the car loans you were looking at>
                  Hi sorry, no it was a personal loan I was looking for to clear my debts so I just had the one payment to make.

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                  • #10
                    oncept Loans is a company registered in the UK,

                    Reg. Address: Name& Registered Office: 515 Crown St, Failsworth M35 9BG, United Kingdom

                    Registered with the Information Commissioner's Office - details on public register www.conceptloans.co.uk E-Mail :info@conceptloans.co.uk cannot find FCA registration as such, only registered with ICO?????????/ strange await others??
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #11
                      Hi

                      That is the email address that they have been emailing me from, just thought it really strange that they asked for a month upfront.

                      States on the agreement they promise to pay as soon as you have transferred the payment within 30 mins, it then states that there will only be 47 monthly payments to pay starting from March. I am just a worry wart and don't want to transfer and then end up with nothing.

                      Comment


                      • #12
                        hang on let other respond who may know this lot
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                        • #13
                          Originally posted by The Tech Clerk View Post
                          hang on let other respond who may know this lot
                          That sounds like a good idea

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                          • #14
                            Originally posted by Coolio1981 View Post

                            it was a personal loan I was looking for to clear my debts
                            Hello

                            Before taking out a consolidation loan to clear your debts, why not see if any of them are unenforceable in law first?

                            Are any of your debts credit cards, loans, overdraft etc?

                            Di

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                            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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                            • #15
                              Originally posted by Diana Mayhew View Post

                              Hello

                              Before taking out a consolidation loan to clear your debts, why not see if any of them are unenforceable in law first?

                              Are any of your debts credit cards, loans, overdraft etc?

                              Di
                              Hi Diana

                              Yes, 2 credit cards, a loan, a payday loan and a catalogue.

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