I filed a complaint against a financial institution that took money from my account for no reason. The platform was operated by 2 companies. One of them was from UK, the other from Canada. For the EU, all terms and conditions were guided by the company from the UK. After a year or reassignments from one inspector to another and many phone calls, the service finally decided to look on my complaint. So they asked the UK company to explain. The UK company blamed their Canadian business partner that was basicly the same company, which in turn send a PDF file to the service with some terms and conditions made on the fly and nowhere to be found on their website. At the end of that document there was a phrase saying "Signed by: <My Name> ", my IP and my browser id which they collect at every login. The service said that signature was my digital signature and those were in fact the agreed terms and said that I should take my complaint to Canada. If such signatures would actually be valid then I could be the owner of Buckingham Palace. Think twice before you use services offered by UK companies. The only way you can get your money back is in court. I lost $770. That's about the cost of a two way ticked to UK. Unfortunately I can give a minimum of 1 star, but that's way too much for the kind of scams these $#*!s are pulling.