I dont understand what you mean. It wasnt a charge,It was a brokers payment. In there contract it says if they cant provide you with a loan then they will refund you. They have failed to provide the service payed for. And they are now asking me to pay for and obtain copys of my credit files so they can proceed further. At no point in the contract does it say I will have to pay extra fees for their serive to continue. Are they in breach of their contract?

Hello Yep payed with Visa over the phone.

Hello all not quiet sure were to post this or what im doing as dont really use forums. I was wondering what my rights as a consumer are, am i abliged to obtain copys of phone call recordings of my converstaions with a company and what is the next step i should take. All advice and replys and grately resieved. This is were im at now from start to finish. I serched online for a loan provider for people with bad credit .many came up and i picked through them. Found one i thought sounded ok and filled in thir online applicated. i was approved for a loan a a good rate and was affordable to me so I phone them and spoke to one of their sales assitants. He told me that I had been pre-approved for a loan, told me the arp, monethly re-payments and what the total amount borrowed would equated to. I asked him if they was a loan broker and he told me yes. i then asked him the brokers fee witch he told me was £49, I was abit warey about paying online fees ect so i questioned him some more and cept asking him to confirm that if I paied the brokers fee i would be given the loan he cept saying yes the loan is ready and waiting for you and once the paper work arrives back to us from you the loan would be paid to you in 3 working days. I got the papper work the next morning and read through it and wasnt happy with the questions it was asking and the information it was gathering on me that had no relevence to the loan applicated process. I then rang up and spoke to an adviser again and told him i wasnt happy with the amount of information gatherd on me and that is their any way after singing this agrrement i could be refused the loan. He said I wouldnt be refused the loan and that the loan was still waiting for me. So as I was desprate for the loan amount I begrudgeingly fillled in all the required data. A week later I hadnt heard anything I rang them again and they told me I had unfortunatly been refused the loan on the grounds of bad credit witch I think is absurd as i applied for a loan for people with bad credit. 6 weeks have nearly passed now and no loan has been payed and my money hasnt been refuned. I have requested numerouse times for them to refund my money as they have failed to provide the service reqied and payed for. They have now tried to offer me Guarantur loans and as this isnt wait I applied for I refused them. They are now asking me to pay more money to applie for copys of my credit files from two agenceys. The reason i required the loan is well gone now and i just wont my money to be refunded. It also stated in their contract that if they couldnt provide me with a loan then I would be refunded my money. I feel i was brought into the agreement under false pretenses and that they are in breach of the contract signed. Am I within my rights to obtain copys of all my conversations with this company? And what is the next thing I should do. Once again thank you in advance. Mike. P.s sorry for my poor spelling.