I wanted a written quotation and the rep insisted I paid £199 by bank transfer (fully refundable in 7 days) in order to provide the contract for review. He then urged me to accept the contact immediately as I had a "10 day cooling off period". After reviewing the T&Cs I decided not to accept the deal and requested my £199 refund. The next email indicated that it would take 28 days to process. 28 days has elapsed and I still do not have my refund. It seems you don't get the refund unless to hassle for it. Or maybe I will have to go to the small claims court? Thinking of writing to my MP and contacting trading standards about this. It ought to be illegal. Sale guy ignored my emails once I decided not to proceed.