This information helped me to get my refund, in full; 1) once you have been on their site and have put in your details and credit card details they will try to take up to £69 asap from your account , or as soon as there is enough money in your account to cover it ,.. 2) they don't promise you a loan , they dont even guarentee you a loan , AS THEY ARE BROKERS.. all they actually do is once you have phoned into complain that a fee has been taken , they fob you off , if its the loan you still want all they do is copy and paste a link off there systems and send it to your email or phone , WHEN u could have easily got the same link off google yourself , then you have to put all your original details into the link again they sent you , which you could have easily done yourself anyway . 3) the fee they take means that once you contact them they will tell you the following , yes a admin fee has been taken , and yes there is a fee for opening your account and there will also be a fee for everyday the account is kept open , despite this you will never get a full refund this way . ..you will only get a partial refund .. 4) next to get a refund they will tell you to go on your account and request a refund ( which is a delaying tactic) because they will then tell you you have to wait for a head office response to your cancellation (which is complete rubbish , its yet another delaying tactic ,which keeps your account open longer and more fees to be taken), 5) after you have then requested a refund they will then tell you to send a letter in to the head office , which is YET another delay tactic to keep more fees , 6) if they ask you to send the letter to any other address then its a [problem] , its again a delay tactic , to keep more of your funds . 7) they hate the word CHARGE BACK , if you go to your bank and tell them a fee has been taken out that you were not aware of , they will they tell the bank , you did open an account on a certain day and time and they only person who would have gained is yourself , because the money would have gone into your account , THE BEST WAY to deal with these con artists is the following RING UP there number or your bank and tell them you want an instant charge back , if you persist with this you will get a full refund ,