I had trouble with myloans but I decided I wasn't going to stand for it. After 5 seperate phone calls and me telling them EXACTLY what I thought of them I chose to contact the financial ombudsman and get them involved. My next step is to get the FSA involved, Even if I dont get the £70 back, I'm going to make them earn it. They have already changed the website and made their charges upfront now (it wasn't when I got had). I feel a bit better to know Im not the only one to get ripped off by them but I hope to be the last! Their phone number is 08454918820. Best of luck with them