Letter to get a loan fee refunded when the loan hasn't been received by Citizens Advice
Updated 17 October 2025
This template provides a formal letter for a consumer to request a refund of a loan arrangement fee. It is used when the loan has not been provided within six months of application, citing the Consumer Credit Act 1974 as the legal basis for the refund entitlement.
Letter to get a loan fee refunded when the loan hasn't been received
Sam Hoolin
8 Park Avenue
Arlton AL1 4CA
[email protected]
01632 960001
Giltham Loans
24 Station Road
Giltham GT16 3LP
12 September 2025
To whom it may concern,
Consumer Credit Act 1974 (as amended)
On 10 December 2022 I applied for a loan of £8000 to be arranged by your company for a fee of £80. To date, no loan has been arranged.
Under s155 of the Consumer Credit Act 1974, if no loan has been entered into within 6 months, I am entitled to a refund of the fee I have paid, less £5 which you are entitled to keep for your administrative costs.
I therefore require that you refund the amount of £80 less £5 within 14 days.
Yours faithfully,
Sam Hoolin
About this template
What is this template?
Letter to get a loan fee refunded when the loan hasn't been received by Citizens Advice is a free, ready-to-use Consumer law template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Consumer law template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Consumer law usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.