It's common for users to only pay attention to their billing when an unexpected charge arises, such as an automatic subscription renewal. This guide is designed to help you understand how refunds work with Vivus Loan, including eligibility criteria and the straightforward steps to request your money back promptly. Whether you're seeking clarity on the refund process or need assistance with a specific situation, we're here to ensure you navigate this smoothly and efficiently.
What You Should Prepare Before Applying For Refund
Loan Agreement Details: Gather your original loan agreement or any related documentation that specifies the terms and conditions of your loan.
Transaction ID: Provide the unique transaction ID associated with your loan application, which can be found in your account history.
Personal Identification: Ensure you have a valid form of identification (such as a government-issued ID) to verify your identity during the refund process.
Payment Method Information: Have details of the original payment method used, such as credit card numbers or bank account info, ready for confirmation.
Account Information: Log into your Vivus account and have your account number and login details available for reference.
Reason for Refund: Clearly outline the reason you are seeking a refund, as this may be required in the application.
Communication Records: Collect any email correspondence or chat records with Vivus regarding your loan or previous refund requests.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Bank Transfer
3-5 working days
Debit Card
1-3 working days
Credit Card
3-5 working days
Swish
Immediate
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from Vivus Loan
Vivus Loan offers short-term financial solutions, allowing users to access loans quickly. Understanding your rights and eligibility for refunds is essential when using their services. Users may have specific situations that could qualify for a refund based on account management and loan conditions.
Loan Cancellation: If a loan application is canceled before the funds are disbursed, the user may be eligible for a refund of any fees paid at the time of application.
Loan Repayment Queries: Should any discrepancies arise in loan repayment amounts, users may inquire into whether adjustments can be made, potentially leading to corrections that could impact their total repayment obligations.
Account Status Changes: Users who have undergone significant changes in personal circumstances after taking out a loan may discuss these changes with Vivus Loan to explore available options or any relevant modifications to their loan agreements.
Service Interruptions: In the rare event of a service disruption affecting accessibility to account management features, users may be eligible to discuss potential adjustments to terms or fees associated with their loans.
For any specific inquiries regarding eligibility and refund options, it is advisable to contact Vivus Loan directly to discuss your unique circumstances and seek guidance tailored to your situation.
Step-by-Step Process to Request Your Vivus Loan Refund Like a Pro
If you purchased through Vivus Loan:
Visit the Vivus website at vivus.se and log into your account.
Navigate to the My Account section.
Click on Billing History to find the relevant transaction.
Locate the subscription or membership charge you wish to refund.
Click on Request Refund next to the transaction.
In the refund request form, mention that the subscription renewed without notice.
Explain that the account was unused during the renewal period.
Submit your request and check your email for a confirmation.
If you purchased through Apple:
Open the Settings app on your device.
Tap on your Apple ID at the top of the screen.
Select Subscriptions from the menu.
Find and tap on your Vivus subscription.
Scroll down and tap on Report a Problem.
Choose the reason for the refund; state that the subscription was unexpected.
Highlight that you haven’t used the account to strengthen your case.
Submit your request and wait for a response from Apple.
If you purchased through Google Play:
Open the Google Play Store app on your device.
Tap on the profile icon at the top right corner.
Select Payments & subscriptions.
Tap on Subscriptions to find your Vivus subscription.
Click the subscription and select Cancel Subscription.
Once canceled, scroll down to find the Refund option.
In your request, emphasize that the renewal was unexpected.
Point out that you have not engaged with the account recently.
If you purchased through Roku:
Go to my.roku.com and log into your account.
Select Manage your subscriptions.
Locate your Vivus subscription and click on Cancel subscription.
After cancellation, look for an option to Request a refund.
In your message, mention that the subscription renewed without any notice.
State that the account had no activity to support your request.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
I would like to bring to your attention a billing situation: [describe reason].
\n
I would like to request a refund of the amount of [Amount].
\n
I have attached the relevant documentation for your reference.
\n
Please confirm the receipt of this request and provide an update within 3-5 business days.
\n
Thank you for your assistance.
\n
Sincerely, \n[Your Name] \n[Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
Your refund request has been submitted but not yet approved.
Your request is under review and will be processed shortly. You will receive a notification once it’s updated.
Processing
Your refund is currently being processed by our team.
It typically takes 1-3 business days to process a refund. You may check back soon for updates.
Refunded
The refund has been successfully issued back to your account.
You should see the funds reflect in your account within 3-5 business days, depending on your bank.
Partially Refunded
A part of your original amount has been refunded.
The remaining balance may still be due. Check your account balance for updates.
Completed
The refund process has been finalized and your funds have been released.
Your transaction is complete. You can view your updated balance in your account.
Canceled
The refund request has been canceled, either by you or our system.
Please reach out to customer support if you believe this is an error or if you wish to request a new refund.
Real User Scenarios: When and How Refunds Were Successfully Claimed
At Vivus Loan, users may encounter various situations where they successfully claim refunds due to specific circumstances related to loan services. Here are some realistic scenarios:
Scenario 1: A user applied for a short-term loan but decided to withdraw the application before approval. They successfully requested a refund of the application fee, citing a change in their financial situation that made the loan unnecessary.
Scenario 2: After taking out a loan, a user realized they had selected a repayment term that didn’t align with their budgeting needs. They contacted Vivus Loan to modify their repayment structure and were granted a refund on the difference in fees associated with the original plan.
Scenario 3: A user experienced a technical issue with their online account that prevented them from accessing loan information for several days. Upon resolving the issue, they reached out to customer service and were provided a refund for any late fees incurred during that time.
Scenario 4: A user intended to pay off their loan early to avoid additional interest but miscalculated their finances. After reviewing their loan terms with a Vivus Loan support representative, they were able to secure a refund for the interest charged for that month as a one-time courtesy due to their proactive communication.
The Easiest Way to Get a Vivus Loan Refund
If you're frustrated trying to get a refund from Vivus Loan—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Keeping track of your refund status with Vivus Loan can be straightforward if you know where to look. Here are some effective ways to monitor your refund progress:
Email Notifications: Vivus Loan regularly sends email updates regarding your refund status. Make sure to check your inbox for messages regarding the approval and processing of your refund.
Account Dashboard: Log into your account on the Vivus Loan website and navigate to the Billing Section. Here, you can find detailed information about your refund requests and their current status.
In-App Notifications: If you use the Vivus Loan mobile app, ensure notifications are enabled. The app provides real-time updates about your refund status that can be viewed directly on your dashboard.
Order History: Review your Order History section in your account. This area will detail all transactions, including any requests for refunds, along with their current status.
Customer Support: If you need further assistance, Vivus Loan's customer support is available to help track the refund status. Reach out through the contact options listed on their website for personalized updates.
FAQ
If you forget to cancel your Vivus loan before the deadline, you may not be eligible for a refund as per the terms of your agreement. It's important to review the specific cancellation policies outlined in your loan agreement. For further assistance, you can contact Vivus customer service to discuss your situation and any possible options.
Refunds from Vivus Loan typically take 3 to 5 business days to process, depending on your bank's policies. Once the refund is issued, it may take additional time for the funds to reflect in your account.
If you see a charge but do not have an active subscription, we recommend checking your account for any possible previous transactions or subscriptions that may have been overlooked. Additionally, you can contact our customer support team for assistance in clarifying the charge and exploring your options for a possible refund.
If you are unable to obtain a refund directly from Vivus Loan, consider reaching out to their customer service personnel for further assistance. You may also want to escalate your concern within their support system to seek additional resolution options. Reviewing your account details and any relevant communication may provide clarity on the situation.
If Vivus Loan refuses to issue a refund, consider reviewing their refund policy to ensure you understand the conditions that apply. You may also want to contact their customer support team again for clarification or further assistance, as they might be able to provide additional options based on your account details.
Chargeback and the Chargeback trademarks used herein are trademarks or registered trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
.svg)
.png)
Comments (0)