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I partly completed a small load application form with the above company. As there were questions on the form which I was unable to answer (mainly employment questions as I have been retired for 6 years) the form was not completed or submitted. But it seems that important details on the first completed page were still transmitted to them, and 67.88 was taken from my bank. On my membership page with them, it quite clearly shows this incomplete form. I have screen shots of this. I wrote to them, recorded delivery, to cancel this, and have screenshot of their postal receipt. Eventually, I received an answer to say that the refund had been made, and although I realize that this can take a few days through Visa, it is now almost 3 weeks and no refund. Since my refund application, they have a new address, and I have written to this address also. It is impossible to speak to anyone on the phone. I have contacted Citizens Advice (as a first step in putting this matter before Trading Standards) as this company are quite clearly flouting the 14 day refund rule. I want also to confront this company over the way that they obtained my bank details, as this seems to be quite usual going by previous threads on this site. It does not seem legal at all...should I contact the police on this, or can anyone advise me the best course of action ?