i applied for a loan and on doing so i realized they wonted a 70 pound fee so i came out of it and just resently they have taken this money out of my account what do i do email [email protected]

I received a phone call from Money Essentials after dabbling on the internet and looking not to seriously at finance options. They asked if I was still looking. The first thing I asked was that I was more than happy to have loan quotations. Loan quotations do not leave a foot print on your credit file, unlike most loan applications. After establishing that I had not been bankrupted or on an IVA. I was asked if I had a bank account. Like the majority of people I do. When that was established I was asked for the card details to verify the account. I did question the reasons why they needed my card etails but unwittingly gave them and even made a joke of the fact that they would probably take money upfront. " we can`t charge up front fees, it is against the law" I was told by them. Having done that I was then notified that information about lenders would be sent to my email address. Nothing came through. Last Wednesday 14/03/2012 I received i loan offer from FLM Guarantor Loans now known as Amigo. I dismissed it as junk mail. The next day I noticed that £79 had being taken from the account the card was tied to-my rent account, leaving that account short.
In my view as I didn`t (1) Agree to paying for anything and (2) Get told I was paying for anything. I have being defrauded out of money. Think of it this way. You phone up a company to buy a product, you then agree to pay by card. Your details are taken and you are then told that the payment has gone through. If at a later time they decided to take more money without you knowing would you be happy. NO of course not. This is exactly what this unscrupulous company did. And sadly, what they do is LEGAL!!! The perception is according to my bank that whether or not you agree to pay for anything the meer aspect of giving card details is automatic authority for them to take money ...without verbal consent from either party.
The sad reality is that the staff who work for these companies believe what they are doing is right. I would love to make a vist to their call center and smash the place to friggin bits with a sledge hammer...only to the value of £79 though. Be warned Money Essentials, Debt and Credit Centre, AK Management. I am on to you so if you have any sense crawl back under the stone you came from!!!