I wanted to let you know that there is a way to solve this.
I was in the same situation as many people on here, having stupidly paid a £59 arrangement fee for a loan that didn't materialise.
The best way to solve the problem is to get onto the Financial Ombudsman. They are away of Wentworth and wrote a letter to them which was followed up by a letter from me. By law such a fee has to be refunded if nothing has been arranged after 6 months have elapsed, and today I have duly received a cheque for £54 (an admin charge had been taken off) which I am more than happy with.
Previously I had gone through Consumer Direct but was making little headway, so get in touch with Financial Ombudsman Service.
Persistence does pay off in the long run, believe me!