Hi Im sorry to hear your misery, they stink that company but il give you some advice as to what I did. We applied the same way. They were due to take out the admin cost of £59.00 on the thursday, which they left til the Monday 14th dec 09, in between this I had rung up and cancelled this agreement, nothing was signed anyhow. They then had the cheek to take out two lots. I sent e-mails and prob like yourselves rung up huge phone bills trying to get hold of them. They said we havent taken out two fees so I faxed them the bank statement, alongside 2 threatening letters, stating that i had contacted my solicitor and for them to refer to the credit consumer act 1974, stating that it is against the law to charge folk more then £5 brokerage fee. I also said i had contacted watchdog, dont get done get Dom from the bbc and I would go to the national papers etc. They had breached their contract as traders. That was Tuesday. Thursday I had a full refund and they hadnt even taken the £5.00 fee out, so it pays to keep on at them, I suggest you send a letter, (recorded delivery) and keep faxing them if you can. I got mine back because of my threatening letters, it scares the **** out of them. Good luck