Thankyou tilley for your comment.I have emailed these robbers:mad2:, several times and at last received this response:- To receive your refund you will need to write to the below address as agreed to in the terms and conditions. 6.1Under the financial services (distance marketing) regulations 2004 a Member may terminate or cancel their membership within 14 days of inception by (6.1.1) Requesting cancellation in writing to the following address: Power-Loans.com, 1 Liverpool Street, London, EC2M 7QD. In your request please include; • Name & Address • Email Address • Membership Fee Upon receipt of your request we will fully process your cancellation and refund the initial membership fee within 14 days. Power-Loans Customer Services Team I hope they actually do refund me,and I hope this helps other people receive their refunds too.