So within the past few months I had used a loan broker site in an attempt to get a loan. I don't know for sure which one so apologise on the unhelpful nature on this account. I was not accepted so thought nothing of it and moved along.

A bit later on I had a random debit for £29.50 from a site I hadn't recognised and again at the end of this month the same payment occurred.

I finally discovered who this was and it was a site called My Discount Codes, who offer a subscription service for some sort of discounts. Haven't a clue what they actually do since once I discovered this I demanded the account be closed and to be refunded for the money taken from me. They thought they were admirable in refunding me 25% of the funds and believe I signed up when seeking a loan - something I definitely would not have done and should surely require explicit permission - not signing up then hoping people lapse on the free trial they offer.

When trying to figure out who they were and in my dealings with them, I was able to access the Zendesk helpdesk and noticed that it redirects sometimes to 'Loans Direct' (and also 'Old Brands' from My Discount Codes. A quick search of this forum shows they are well known for this sort of thing if it is the same Loans Direct company.

Few questions;

What are the legalities of taking details to sign up for things like this when the details were used for a completely different purpose?

Who are the best bodies to address the issues I have here?

What is the best way for me to go about getting a refund? Will my bank still be able to do this 2months on?