I'M NOT ALONE....DO NOT USE. When you read one person's review indicating a negative experience you often think it's their fault. In an instance such as this where there are so many terrible reviews it's a clear indication that this business is trouble and you should AVOID AT ALL COSTS. You can do a chargeback with either your debit or credit card provider for 6 months following the transaction date. You can do it for a number of reasons: 1. Pure fraud - the merchant namely QMF cannot challenge this. You are guaranteed to get your money back and keep it. 2. Goods or services not received - if you have paid for an item or service and you have not received it or the quality is not up to standard (in your opinion) you can ask the bank to return your money whilst they investigate the merchant namely QMF. If they can provide evidence to substantiate claims they provided the service or goods then the bank will take the money back off you (rarely happens). If they can't you can keep it. 3. Refund not received - if the merchant namely QMF have stated verbally or ideally in writing that an refund will be issued you have to allow them 15 days. QMF say that that time period does not include weekend or bank holidays, this is just another delay tactic, the bank allow them 15 days from the point of them informing you a refund will be issued. If you haven't received it by the end of 15 days contact the bank and they will return the funds to you and investigate further. If you get the money returned under reason 2 or 3 and then somehow QMF provide some sort of evidence to get the money returned to them don't worry. You can still ask the bank to rechallenge it. They cannot defend against a second chargeback. Put pressure on your bank or credit card provider they are there to protect you against firms like this and have a legal obligation to do so. Not all staff members are aware of the various reasons a chargeback / dispute can be raised. Do not write off your money as a mistake on your part and accept it. Put the time in and challenge it, raise it with the bank and get your funds back. I have also taken time to inform both Trading Standards via Citizens Advice and also Action Fraud. Both are aware of this company. If they get enough complaints they will investigate, so take the time to do it to protect others in the future. Make a fuss but make it structured and factual. Finally a case action is not out of the question. It can be easily formulated and I've spoken to solicitors who will take the instruction on a no win no fee basis. Let me know if there is any interest. The wording of the positive reviews sounds like a sales pitch. Features and benefits listed to close those into parting with their money. Absolutely TRUE that they are NOT REAL REVIEWS from REAL CUSTOMERS. I cannot stand firms like this. They promise the world and deliver absolutely nothing at all. A shame as if run in the right way it could be an excellent operation. The reason this firm is still able to make people's lives a misery is due to duped and disappointed clients and ex- clients not making enough fuss and putting the effort into getting those funds back. The chargeback route takes 20 minutes and works so use it. Get your money back and notify anyone and everyone. It takes time but is definitely worth it.