I applied for a loan and said I had £200 after signing up I got £200 to spend with them on their $#*! products. They took £67 bank was wary about giving money back but I found these reviews and rang them and told them it's not just me. I got my money but it could get taken back. I've reported to trading standards and everyone should do them same and get them shut down. Fingers crossed and good luck to anyone else who falls for their trap