hey hey. my girlfriend has had a very similar story but she applied for a loan and lost £49.99. now they give her the run around and wont give it back. have you had any joy with this claim? will you definately get your money back? or can they just ignore it like they do with everything else? have you thought about one of those "we claim our costs from the other side" lawyers? looks like you have looked into all the leagal stuff, and thanks for sharing. perhaps you can help another battler with theese rip off merchents