Peter J.

This company is in complete breach of every statutory law in the land. You have a legal right to cancel a contract within a 14 day "cooling off" period without charge. Ensure you quote when you demand a full, immediate refund. If you received a text, retain it as the message is misleading as it implies a payday loan and the intimation is you will receive a payment, not store credit.

If you don't get any joy getting a refund, contact your bank and advise them you cancelled the account immediately however; they still took the payment. The company can't dispute this and you will receive a refund from the bank. Do not enter a chargeback as they will argue that they have a contract signed (which they had for me however; it was signed under false pretenses) either way, you will get your money back.

After doing some research and checking other reviews, I have found they are also the same company as www.whatlenderssee.co.uk and when you sign up for this, they sign you up for other companies too and again take your money so check your direct debits as they will have also set up a mandate.

It also looks like they are based in Manchester, I have done some reviewing and discovered that they are related to a company called application link based in Manchester.

Good luck sorting this out and ensure you win!