Please stay away from this company. They trick you into thinking you are getting a payday loan, then say its store credit after they trick you into signing things and getting your bank details. A few days later they take £62.50 out of your bank account and they wont answer your emails or phone calls! My bank is saying they are raising a dispute, but are unsure if I will get any money back as I signed an agreement. I have emailed action fraud and emailed catalogue club asking to cancel my account and that under act one of consumer rights I have a 14 day cooling off period, but I haven't heard anything back. I am hoping this review will save a least one person from falling into this scam trap!