I signed up on the 28/02/2011, and was one of the lucky few who spotted that there is a charge that isn't debited if you cancel within 14 days.

The website itself is quite decieving, they try to come accross as a company who can actually supply the loan themselves, which is not true. The licence they hold is that of a 'Referrer', which means they act as a 3rd party and pass your details to anyone who is willing to buy your details. Yet they still ask you for very personal details, bank details, work details and contacts, as if they are genuinely going to give you a loan.

A few days later I went on to the to cancel. I tried logging in with my email and the same password I have used for everything for the last 10 years. It told me this was incorrect, so I requested a new password, which came as a simple 3 digits, something which could easily be discovered by anyone!

I got logged in and then it took me 10 minutes to find the small cancellation box on the main page, which quite conveniently for them, is hidden behind a window within the page. I clicked cancel, and nothing happened, no new page, no message to confirm, just a few seconds of page loading thats it.

Concerned by this, I decided to send a letter to the address I found in Borunemouth, to confirm the problem I had, and that I will be cancelling. Again I heard nothing from this, until yesterday when I noticed an unaccounted for debit out of my account, and today it revealed itself as CreditSaver.Org.uk - along side the name in the debit, there is also a phone number, an 0844 number (which makes them money everytime you call it). Upon ringing this number it answers promptly, telling you to log on to the website, to contact them. It did ring on again as if I was in queue, 45 mins later, no answer, I gave up and went to their website.

I sent an enquiry through all 3 of their company websites, posing as a new customer, in hope of a call, and also explaining I wanted a refund.

I recieved no reply for a long time, so did further research, discovering Iain B Williams is a guy who has a lot to do with running this company, it is registered in his name, I also got his mobile number, and also discovered he had been offering customer details out on a message board, sure that is illegal! I have contacted the people who did his website, and also some people who have bought and sold the above details, to try and find more about him. I have also left him some voicemails inviting him to call me. I also discovered his direct email, again politely inviting him to call me, with n success.

I eventually name dropped Iain Williams in an email, along with the FSA and Trading Standards, and got a reply! Problem was, it was not a personal reply, just a standard reply, telling me I had needed to cancel before the 14 days, they obviously had not read the email just sent.

I replied to the email straight away, asking for a personal reply or phone call, explained again I have cancelled in 2 methods, and I would like my money back.

No reply from anything since.

This debit has left me overdrawn, and really my bank should not of authorized it as the money is not in the account, so now I will get charged for this, it also means my plans to pay my rent are scuppered, and I dread to think the consequences of that, and I hate to think how long this will take to sort.