Just this evening I got a spam text message for UkSpeedyCash.com.
There is £1000 waiting to be transferred to your account ASAP. Just complete the form at http://ukspeedycash.com/loan/apply you have passed the credit check NOW
Naturally, I sent a complaint off to the information commissioners office: http://www.ico.org.uk/complaints/marketing/2. They strongly encourage this, so I would advise you to do this as well.
I’ve written many words in the past on this subject. Since then, many companies have used various tricks to get around legislation that governs this, so I don’t know if what they are doing is actually be illegal.
But, it’s still spam.
It’s still a shady means by which to run your business, and it’s still unwelcome from all but the tiniest minority. And it really boils down to this: Do you want to do business with a company that operates in this way (and offers loans with a representative APR of 2120% at the time of writing)?
For me, no.
So, I did some more digging into this company, and the picture gets much much worse:
On their application page they ask you to submit very personal information such as Bank Account, Annual Salary, Name, Address, Date Of Birth. Basically, the information that a fraudster could use to steal your identity.
There is no security certificate for this website, and that means when you submit this information, it is unencrypted, meaning that ANYONE could intercept it and use it for their own needs.
Invalid/Elapsed Consumer Credit Licence
On it’s website it quotes a “Consumer Credit Licence” number of “0565195”. If you check the Consumer Credit Register at http://www.oft.gov.uk/ConsumerCreditRegister, you will see that this licence lapsed on 16/12/2010 for an organisation known as Switch2 Telecoms Limited.
No Social Network Presence
The next bit of digging I did was to looking into their Twitter and Facebook account. Their website proudly displays those icons, but with no hyperlink. Unbelievable! What’s more they don’t exist on these social networking sites!
Questionable Domain “WhoIs” Information
I checked out the “whois” record for the company. You can see it here: http://whois.net/whois/ukspeedycash.com.
The domain was registered on 14th June 2013 (about 2 months prior to this post). So we can assume that company at the time of writing was less than a quarter of a year old.
It was registered to an email address: email@example.com, in the name of Williard Astina, located in Manilla, Philipines. Williard Astina does not exist at all on Google, but firstname.lastname@example.org does. They are down as the email address for the profile of another organisation: TheClaimGroup.co.uk (see http://theclaimgroup.insanejournal.com/profile).
At the time of writing, Google search results also suggested links from this email address to another company uksmslimarketing.com. Which, would you believe, send marketing text messages to mobile phones!
“All Right Reserved”
A surprisingly good way of assessing the veracity and reputation of a company is looking at their use of basic English. At the foot of their site they have:
Copyright © 2013 UkSpeedyCash.com All right Reserved.
All right reserved? Huh?
Note also the use of the American spellings for words like “utilize” (should be utilise), despite the fact that this is a British lender.
Well, I’ll leave you do draw your own conclusions, but It doesn’t look good at all. UkSpeedyCash leave a lot of questions which need serious answers.