So there was me after a loan of £1000 with repayments over a year. I followed links, never believing that entering details meant the site I was on would be charging me, however they did. Getting my cash refunded was a bit of a nightmare with some of the responses more akin to dare I say even 'illegal' loan sharking! My experiences below might be of some help so hopefully will avoid others falling into the same trap. One important point is that BEFORE entering a single bit of personal information READ their Terms & Conditions.
Bear in mind, (I'm sure someone here will confirm it), that under the current 'Distance Selling 2004' laws they must refund, however they can keep back £5 for so called administrative fees.
E-Credit Plus - Take £39.99 from you - I managed to get it fully refunded and they'll even give you a reference number for this in case there's a problem. This is a company you don't even know are going to take money from you!
Moneygaga - (Trading name of EQI Independant Ltd) aka My Money Group. They take £23.14 from you instantly. Their site has NO telephone number however you can contact them on 0800 690 6856 and tell them it regards Moneygaga. They will ask for your bank details for a refund (less the £5).
MyLoans - Will take two payments, normally £1 (test) followed by £68.99 (totalling £69.99). They take the full 30 days (and you'll have to remind them!) to refund and you are advsed to send a 'signed for' cancellation letter within the required 14 days. You then get an email about it (aka delaying tactics). I managed to get the whole payment refunded and be aware their 'entranapenur' owned has on checkig had some bad press in Australia!
LoansDirectUK - BAD NEWS people! Now these are what I call 'con merchants' saying we are a 'membership site'. Conned me out of £59.75 and under duress accepted a repayment of £31.25. They sent me an email saying 'agreed full and final settlement' - not quite true however my replied email stating this came back saying their mailbox was full (real or expected, I do not know)! They have nothing but many 'o844' numbers and an address in Bexhill-on-Sea however they take time to answer on the phone with an American accent 'answer' system - stay well clear!
There were another couple I experienced who when claiming back cash, you could tell, were bluffing about the problems. So be very, very careful and I can assure you that I got more calls and messages to my mobile in a week that I'd had in 5 years!