Hi My wife has been through similar problem. It is just preying the whole family. My wife went to LLoyt TSB to check credit scoring and thinking to get loan. She was in rush and she was to sign some forms without actually explaining the her what she is signing for. After 15 days she got bank statement she noticed that she was paid the money. We went to the bank the bank manager said it is non cancelabel loan. The adivsor who issued she is off sick she will be back next week. So contact us next week. He also added that we record sometimes so I am going to listen to it as well. But when we called customer service they said that there is no such thing in the branches. We are stuck and we don;t know what to do please advice us. Many thanks Matt