Hello footiefan, "google" advantage loans and down the page a bit will be a site called blabber. Go in and have a look there lots of other folk have suffered the same as you , And there is a name to email . The trouble with this lot is that they are very good and telling people " Yes we can get you a loan " when for all sorts of reasons you are not allowed credit. Don't give up , a friend of mine is trying to get his 49.50 back too !! Good Luck.