ok so i have finally got my refund back from Loans Direct on the contact number 0844 823 7960 as i had called a company that was listed in a thread about My Money Group they are not connected but the lady i spoke to at My Money Group was very helpful and gave me the above number. After holding for about 40 minutes i finally spoke to someone at Loans Direct 0844 823 7960 and demanded a refund and advised i would come to there office 7 St. Petersgate, Stockport, Cheshire, SK1 1EB. if i didnt get my money back with this i received a bank transfer for the full amount. Hope this helps everyone