I paid my application fee of £79.99 on the 17.09.2010 and didnt get a loan because i didnt have a guarentor. So i sent them a letter asking for a refund which was within 30day. Didnt receive a refund so called them up and they said you didnt sign it so i signed another letter and waited another 30days still nothing. So called them up AGAIN and they said your money should be in your account with 4-5 days and they said this 7 imes!! Called today again (22.01.2011) and they said the money was put in your account on the 12.01.2011 i checked and called my bank and nothing was in. They said i have to wait until Monday 24.04.2011 and talk to the card team. So im so pissed off waiting so long for my money back will they ever give it back? Now my bank is £80 in arrears because of them! This company is making millions by holding peoples money and making money off interest holding it. This company should be shut down!