I GOT MY MONEY BACK!!! I have reviewed complaints posted regarding unauthorized monies taken. I had the same this happen to me but i have gotten my money back and wanted to post what I did! First when I noticed the charge to my account in November, 2010, $49.99 (6+ months after I had even APPLIED (not received) for a payday loan) I checked into what it was for as I did not recognize it. I went to the website and did the online chat. They indicated it was because I signed up for payday loan and accepted their offer with that. BOGUS. I argued with the rep that I wanted a refund, I did not authorized the charge and did NOT want or even use the services. They cancelled and gave me the cancellation number said submit for refund. I copied and saved this conversation. I hadn't heard anything so I went back to site to do the online chat. They said no refund to be issued. I argued, continuously indicating I NEVER knowingly signed up for their services and that also they services were NEVER used and they could not prove that. They said IP number matched with computer so they knew I did - that was crap because it was a different computer, different location. They also indicated they don't issue refunds, they just do cancellations and basicallyI was just out of luck. They will say ANYthing to try to make you forget about it. Said it was my responsibility to read the print, blah blah blah. Wrong person to challenge. I copied, pasted and saved that conversation as well. Next I filed a complaint with the Better Business Bureau in Arizona - against 777 Web Discount Club LLC, 8390 E. ViaDe Ventura, Scottsdale, AZ 85258. Within about a week their attorney (Gary Crandell, PO BOx 24266, Denver, Colorado 80224) responded on their behalf. He indicated it was a joint application (my perception is illegally piggybacked) The letter indiated the company in its discretion will process a refund (which they never do). He indicated it was a likely a user error and the company would issue a refund immediately (of course they will not admit what they are doing is illegal). He indicated the company strived to provide the highest level of consumer support services (BULL). I received a check for the refund which was written 12/21/10 and mailed 12/22/10. It takes some time but you can also get your money back!!! I hope this helps some of you who have been scammed by this company.