TM Advances Ltd 12 South Parade, Leeds LS1 5QS

Did an application and then I was called to confirm a few details, then I was sent a text 3 hours later saying declined.I was given no reason via email, text or call no clarity on the process or can see they did a soft check on my equifax file but nothing else.Not sure what they are looking for when they have open access to my bank account but I guess its my fault for allowing it and the increase in loan companies need opening access to bank accounts and the increased fraud this leads to I will need to keep a close eye on what happens going forward.In summary if you want to do an application with absolutely no explaination of their decisions and no real communication then I would avoid this place.

Jumped through all the hoops, even had a phone conversation during which I was being asked questions regarding specific transactions in my bank account then told I'd get a call back after the finalise some things to get a text "your application has been declined" without any further reason. Bug's the hell out of me that they're going through highly sensetive information with what seems like 0 actual intention of moving forward to then end the process through a text of all things.

Extremely bad company. They do not follow GDPR, they hassle you, they will ask everything about you personal and private information, then tell you they won’t lend to you. Obviously the interest is absolutely ridiculous anyway but I would personally avoid Mark, Matt and Isobel, they are nothing but fraudsters preying on the vulnerable.

Be VERY careful of using this company. They wont tell you that they 'front load' the interest, meaning you pay all the interest before paying a single penny off the amount you actually owe them. I borrowed 3k 18 months ago, paid them 4.5k already and still owe them 3.5k? Essentially this means they are taking the interest for the final 18 months when in reality I want to settle it before then, thus they charge you interest for a period of time in the future that has not even happened yet! I am now having to go through the ombudsman for assistance with dealing with them as they are not very forthcoming to resolve the situation. Use them at your own peril, I certainly wish I hadn't! the only reason i gave them 1 star is because google wont allow 0 stars.

Truly diabolical company, they are liars and cheats. The staff are horrendous.Please please never use these people, you will honestly regret ever setting eyes on them. Just check them out and see how bad they really are. DisgustingAVOID AT ALL COSTS!!!!!AwfulAwfulAwful

I have a loan with them my payments have been up to date until few months ago . Due to covid my circumstances have changed. I have contacted them about lowering payments for now even got a debt company involved to help and they turned them down. Horrible company don't care about their customers. They need to be shut down. I don't know how they've been going for so long and how their allowed to get away with their interest rates and how they treat their customers

The problem is they give you no reason NOT TO POST a bad review. You appeal to their better nature and still get nowhere. I am not sure naming people is correct or personally attacking them, but sadly you have no choice but to agree with everyone's experiences. But what is worse, is they do not care about these reviews, nobody polices them to take action and frankly it is just a sad reality that it will carry on

The process of applying for a loan was straight forward and transparent. Funds available within half an hour after approval. The negative reviews on here are misleading, giving reasons such as a high interest rate and being chased when payments are not made. Newsflash...we are all sub prime customers and these guys are lenders who take in an enormous amount of risk which is reflected in the interest and the amount you have to pay back.The amount payable in interest, the general terms of the loan and the the fact that they ‘front load’ (included in a few negative reviews) is all discussed during the application process. In addition, the responsibility is not just on the lender to outline the terms etc but maybe some of you guys should do your own homework before accepting the money. Strikes me as the negativity displayed is a few cases of ‘I’ve got the cash but now I don’t want to pay’. To me they came across as professional and transparent in their dealings. Don’t apply if you don’t like the terms and be honest with yourself with regard to the situation you have got yourself into by mismanaging your credit in the past. I am.

Tread very carefully with this company..... if fact, don't bother at all!Check out their exceedingly high interest rates. Like Mark says below..... the interest is up front on any loan so you are paying a massive, massive amount back. See other reviews, you have been warned. Seriously bad for your wealth and next to no chance if you seek recovery out of debt if that's what you are trying to achieve.

DO NOT USE TM Advances THEY PREY ON THE DESPERATE NEED. IF You MISS A PAYMENT AND THEY WILL PUT UP YOUR MONTHLY PAYOUT TO THEM BY £100 MORE. Stay away from these people pure evil.....