I am struggling financially so applied to Yes Loans as my credit score will not allow conventional borrowing. The guy on the end of the phone was in a call centre and I could barely understand him over the chatter. He took my card details and said it had been declined for the charge of £69.50 I said I didnt have any money until Thursday and to call me then after I had a chance to read terms and conditions. They debitted it anyway. I called and asked for them to reimburse the fee as I would not be using them to obtain a loan and he assured me they would help me find a loan. I couldn't pay my rent this week because of the debit and they said even if they did reimburse it could take up to 14 days, Ive searched this company online and it seems they prey on the desperate and vulnerable and there is every delay in customers receiving their money back ... I'm presuming as they make money on interest by holding the money. What can I do to ensure they reimburse that money sooner rather than later? I have barely enough money for my children to eat let alone me.