I too have unfortunately fallen for this scam.. They took £79.95 from my account and did nothing but send me numbers to call - I called them back and after getting no response from the customer services number i called the application line again and this call was answered within seconds - I asked for a refund and was told I had to apply for this in writing - I did this then heard nothing then sent one recorded delivery, more money, three months later still waiting on my money

DO NOT APPLY FOR ANYTHING WITH NO WORRIES LOANS AS IT IS ALL A SCAM!!!