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Review of the Ikano Bank, Personal Loan:

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Clueless amateurs . I wouldn't even use them as a last resort.

These guys should not be given a license to operate - absolutely clueless. I applied for a loan. I have good credit. Not perfect but still good. Got my Loan documents to esign - which I did. Next day I got two texts from them confirming everything was approved and funds would be in my bank within two hours. Next day nothing in my bank so I phoned them and they told me Id been rejected. I asked them why they told me they were paying money into my account and they told me that that was sent out before they had got approval from the underwriters. Bizarre. But I moved on. 10 days later I got letter in the post confirming that I now had the loan and that the direct debit was now set up and detailing exactly when the payments would start being taken. Strange I thought. I checked with my bank . They confirmed that no funds had been received. I called ikano again and after 20 minutes of customer services checking with another department was told that yet again they had sent out the letter before they had done their "checks". I asked why this happened twice and was told that sometimes they just skip through the net. So that's twice I was told that the loan was approved and was either on my bank or on the way. They even set up a direct debit to collects the payments. And twice they later said that they had done this in error. They seemed to think this was normal and didn't understand why I requested them to send a copy me their formal complaints procedures. Just to be clear - I have no problem with my application being rejected. That is their right of course. But to twice tell me it was fine and then telling me they were errors and that they were now rejecting me is, at the very least, very poor practice. I would advise everyone to not bother with these guys ever. Because you can't trust anything they say. Reviewed on: 16th March 2018

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