Spoke to a guy seemed really nice talked me threw the terms and conditions mentioned five pound being taken Didn't get a loan but the next day I checked my bank a 100 pound was gone. It was a weekend so rang up first thing Monday to be told they've got a back log on refunds will have to wait two to three weeks, year and a half later I still haven't received my money back. They took my last bit of money I was left with no money 3 kids to feed and bills to pay I needed help with the bills instead I was left with nothin. Iv sent them loads of emails rang loads of time and told the same thing. Someone will get back to me in 28 days. But don't hear a thing from them. Iv come to terms with the fact I'm not going to get my money back I just strongly advise others to check the reviews before applying to get a loan with any company