I took out a day day loan with capital one, and between signing the electronic aggreement and recieving the funds i came across this foru,. To be honest i was really worried following all the comments above, but i recieved the payment 48hrs after the application went through, and I have had no problems since. I do agree they are very hard to get hold of, which i think could be better, but i am pleased to say everything has gone fine with them so fare.