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Recovering in your application fee from a loan company who is merely not bothering to return your money should be a fairly straightforward process.

 

The court service Internet system -- MoneyClaim should be perfectly suited for this. However you will need a credit card in order to pay for the claim.

If you do not have a credit card then you will have to do complete a form N1 which you can download from the court service website. You will have to take this to the County Court office with the appropriate fee. Assuming that you win your claim you will get your court fee back. If you are on benefits then you are likely to be exempt from paying court fees. Visit your local County Court for more information about this.

 

Here is a link to MoneyClaim online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

Here is a link to form N1.  Type in the details of your claim and then print it out.

http://www.hmcourts-service.gov.uk/courtfinder/forms/n1(cc)_0302.pdf

 

Sue the company at their registered address.

in this section entitled "brief details of claim":

"The claimant seeks the return of  £xxpaid to the defendant by way of a loan application fee.

The claimant did not affect a loan witin 3 months as provided in the application contract.

The claimant sent notice of cancellation and request for a refund of the appication fee less £XX brokerage fee
No refund has been received.
The claimant seeks £xx refund
plus interest pursuant to section 69 of the County Courts act 1984

plus court fee