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If you have been suckered into paying an 'in advance' admin fee by Wentworth (or any loan shark company) you can get your money back. I had problems with them, and scoured the net - turns out, they've ripped lots of people off ! In short, I applied for a consolidation loan, received a text and letter to say my £10k loan had been approved and the lender would be in touch shortly - based on this info I paid an admin fee (lets be clear, before I just willy nilly handed over the money - they confirmed to me the lenders name, total amount repayable, loan payments, time, penalty fees etc) I was happy with this, so pauid the £65 ish pounds ... the money never appears. Instead I got bombarded by junk mail from high interest places, one of them being Ralph Marlon(?) offering £7000 at over 600%! not what I asked for.... I complained within a matter of days, and asked for my money back and made a complaint. they ignored me. I sent another letter. They then sent me a very odd letter that said I needed to provide ID and other docs to get a refund. odd. by this point I had had enough. I went to FOS. I gave them all info I had, emails, texts & letters. It took me from march 2012 - August 2012 to get my original refund.... but as I had some bank regulation knowlege, I pushed my complaint with FOS, stating that they took my money under false pretences - etc etc - 9 months later, I got my money back and £100 compensation. well worth it. A time consuming exercise - but I wanted to post so you would know you WILL GET YOUR MONEY BACK.