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Avoid Scams

At Season Marketing Limited, we value our customers and we will always prioritise your safety and security. We share the following information with the aim of helping you to protect your personal information and to hopefully prevent you from becoming a victim of fraud in the future. If you are concerned that scammers may have targeted you already, this page will also guide you to report it promptly.

Lending rules to remember

An FCA (Financial Conduct Authority) registered firm will never ask you to pay a fee in advance for a loan
Never share personal information with companies or individuals without first properly verifying their identity
Never send payments to an individual or company that you are not completely certain you have a valid loan agreement with
Beware of companies who contact you about a loan you don’t recall applying for

Scams by telephone, email, letter or SMS

It’s not always easy to spot a scam. Fraudsters are well practised at appearing helpful and genuine and can often apply pressure to push you to act quickly. When a fraudster contacts you by telephone, email, letter or SMS, they will often use the guise of being an employee at a genuine loans company in order to win your trust. In a common scam, they will tell you that you have qualified for a loan and need to pay a fee in order for the funds to be released to you. Unfortunately, once the fee is paid, the loan does not materialise. Worse still, the fraudsters may use your personal details to try and gain access to your accounts or attempt to commit further fraud in your name.

Recognising advance fee and clone firm fraud

A genuine FCA registered company will never ask you to pay an advance fee for a loan. In an attempt to appear genuine, some fraudsters operate as what are known as Clone Firms. They use the names of legitimate companies along with forged or copied lender licenses, faked loan agreements and confirmation letters to make their loan offer to you seem real.

At Season Marketing Limited we only ever work with legitimate loan companies. None of the lenders we work with will ever ask you for an upfront payment. This includes requests for payment by prepaid debit cards or money transfers in order to release loan funds.

How to report suspected advance fee and clone firm fraud

If you think an unauthorised lender or a clone firm may have targeted you and they have attempted to obtain or been successful in extracting personal details or a fee from you, it’s important to report it straight away. You can contact the Financial Conduct Authority online or via their helpline on 0800 111 6768. The National Fraud and Cybercrime reporting centre, Action Fraud, can be contacted through the Action Fraud website or by calling 0300 123 2040. If you have concerns or queries we can help with, please email us at [email protected].

Further information to protect yourself from clone firms

https://www.fca.org.uk/consumers/avoid-scams-unauthorised-firms/clone-firms-individuals

Action Fraud
Money Advice Service on scams
Telephone Preference Service
Mailing Preference Service

Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR - your APR will be based on your personal circumstances. Loans subject to status and credit checks.

www.credit365.co is a registered trading name of Season Marketing Ltd registered in England and Wales (Company number 08901402). Season Marketing Ltd registered office; 71 - 75 Shelton Street, Covent Garden, London, WC2H 9JQ. Season Marketing Ltd is authorized and regulated by the Financial Conduct Authority and entered on is the Consumer Credit Register under reference number: 727385. Licensed by the Information Commissioners Office, (registration number ZA285535).

If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering.

Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.

By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Lender or Finance Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions.

Season Marketing does not charge customers a fee for using its broker services, but it might receive a commission from lenders or other brokers following an introduction through this website.

*UKCreditRatings offer a 14-day trial to their credit report service. If you choose not to cancel within the trial period, you will incur the monthly subscription fee of £29.95 until you cancel the account.

*subject to lender requirements and approval. You could get cash in your account in as little as 15 minutes subject to final checks, deposits and clearing times, and if your bank supports faster payments, please read your loan agreement.

*Not all lending partners offer up to £5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

*Season Marketing will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

For free, confidential debt advice service run by the Money Advice Trust, please go to National Debtline www.nationaldebtline.org 0800 138 1111.

Avoid Scams

Lending rules to remember

Scams by telephone, email, letter or SMS

Recognising advance fee and clone firm fraud

How to report suspected advance fee and clone firm fraud

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