Like everyone else, I was directed to this site while trying to apply for a payday loan. I did not knowlingly sign up for their services. I called (within 24 hours) of them taking $31.98 out of my checking account. I was told to go to the above cited website. I did on 9/25/08. I was told to wait up to 72 hours for them to respond back to me regarding the status of the refund. On 10/09/08 I was told my refund had been approved and I should have it within 48 hours. This did not happen. I called and was told there was a problem putting the money back into my account - that it was to be done by "batches" and that I should wait a little longer. I have attempted to call them numerous times - to no avail. I reach an operator (obviously overseas) who informs me that she will send an e-mail to their refund department and they will send me a check. They had no problem taking the money within 24 hours - but now two months has passed and they can't repay it. I feel it is a definitely scam. Since I am obviously not the only one to whom this has happened. My thought is that they are helping themselves to interest free loans (for the ones they actually pay back). That the amount is small enough that some people will let it go - therefore, they are now taking unauthorized money to which they have no intention of returning - regardless of their claims. If anyone can go into your banking account and help themselves to any amount and then disclaim any knowledge or accountablilty for the action - it amounts to grand theft, if all the amounts were to be added together.