they are a disgracefull company. they conned me too. I gave them my bank details and details of my payday so I could sign up to a quick payday loan. They said nothing about a premium fee and even offered me a free gift. They then took 9.99 out of my bank. I know its a small price compared to others but its the priciple of paying for something under misrepresentation. Lloyds refunded me my money as I desputed it with my bank, though they now want the money back as SGE are claiming that I agreed to the terms, even though they coincidently forgot to mention the fees. Its outrageous, I really feel for those who lost alot more of their money. Write to them and fight your case and complain. We will get justice for this injustice!!!