A big scam. I applied for a payday loan and was told i was accepted for £450, sent my bank details and card details as requested expecting the money to be paid in but i was then told it was for a catalogue, i didnt order anything but then when i checked my bank they had emptied my account. I phoned them up and when they answered they laughed at me down the phone and told me there was nothing they could do about it, i said it was fraud and they said they didnt care and that my bank had authorised it so it couldnt be fraud. I got in touch with my bank and they returned the money to me and said i would have to give a statement to the police and to the fraud team. This 100% is a scam as the police confirmed it to me, so if they havent scammed you yet then they will do at some point... BEWARE!