Aaah. OK. Assertive head shall be on. Thanks for that. K

THANKS for the replies - very much appreciated. Am learning so much from this. I will talk to bank and ask them if they can do this for me.

So. got myself into a mess by applying for loans online, whilst in a slightly unhinged mental state and without properly reading T&Cs - ending up being charged by 4 brokers totally nearly £200. Many tears, recorded delivery letters and learned lessons later, I have managed to get a cancellation/refund from 3 of the 4 within 7 days. Which is brilliant. BUT. One company - Loans Marketing (Sk11 8DZ) - which seems to be the same office /staff as 'My Loans' is dragging it's heels. Been in e-mail contact with Steve Matthews (customer service). He confirms they have my written cancellation letter and that they will refund the £69.99, but that they will be waiting 30 days. NOT that they will do it within 30 days - that they refund will be processed on 7th October and I should allow 1-5 days for it to show in my account from then. I have read the Financial Serives (Distance Marketing) 2004 Act, which says in sect 13: 3) The supplier shall refund any sum paid by or on behalf of the consumer under or in relation to the contract to the person by whom it was paid, less any charge made in accordance with paragraph (6), as soon as possible and in any event within a period not exceeding 30 calendar days beginning with— (a)the day on which the cancellation event occurred; or..... Can I argue to Loans Marketing that by waiting the full 30 days that they are not giving me a refund AS SOON AS POSSIBLE? I have no experience at dealing with this sort of thing, and am just trying to get my money back from these people asap. I hate that they are sitting with my money when they have done nothing to earn it, and I am left feeling stupid for falling for their business methods and seriously struggling to get through this month. £70 is a lot of money. Anyway, I suspect that they may be entitled to wait the 30 days but I just wondered if anybody would be able to clarify what 'as soon as possible' actually meant in this type of case? Who determines how soon that is? Sorry if this is a stupid question, as I say I have no experience in dealing with these types of company and feel stupid for giving them my bank details in the first place. Thanks in advance for any answers you can offer.