Having read Wentworths smallprint, it seems that after 6 months you can claim for your brokerage fee back, but they can keep £5 which I assume is satisfying the above law. I tried last month to reclaim my brokerage fee, after applying for a loan last year and (surprise, surprise) recieving a letter from Parkfield Financial Services Ltd. in association with Ralph Marlon Ltd. to whom I sent the details they asked for and recieved nothing, not even the return of my payslip or utility bill. A couple of weeks later I recieved a letter from Wentworth claiming to be a refund form needing proof of identity as "we have received a large number of fraudulant applications", but which looks more like an application for a loan, they even ask for a copy of a recent wage slip and utility bill for the refund. I haven't sent any of this off as paying the brokerage fee by debit card I don't believe it is necessary (the CAB confirmed this). It says in their small print also that they will refund the brokerage fee within 30 days. So a quick question, by thanking me for requesting a refund, are they confirming receipt of my refund application? In which case the 30 days should start from the date my letter was sent surely? And if they don't refund in this 30 day period what would be my next coarse of action? Many thanks in advance.