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Hi there, I will try and be as brief as possible with this. Here's the deal: Originally applied for a loan with Minicredit 04/03/11 and was declined. Re-applied and was granted loan on 04/07/11. Sent notice of cancellation within 14 days, as per CCA 1974 on 12/07/11. At the same time informing Minicredit, as per rights under that act, repayments would be made within 30 days by Faster Payments, and could they please supply bank details. I also informed them that I no longer authorised them to use my card details. Here's the breakdown of events: 04/07/11 Received £130.50 (£