We are very unhappy with the service we have received from them, we applied for a mortgage direct through them, all was good, adviser James Quigley was friendly and helpful at the beginning. Payment was taken on the 21st June for the £99 and the £370 valuation fee. After that communication was different, his manner on the phone changed and email responses were slow, days after. On the 26th June he said we where moving to far, but he had the wrong address. I called on the 28th June to be told by someone else that the application had been started but not submitted. On the 4th July James promised it would be looked at the next day, 2 weeks after we payed. On the 9th July, after pushing and trying to get things moving as we had the estate agents giving US a deadline we were told it was a no from the bank, and James said he would sort the refund of £370. I emailed on the 24th and 26th July asking where the refund was, no reply. i called on the 30th July to be told it was authorized in the 26th and to allow 5 days , would be in my bank by Thursday 2nd August. Still no refund, I emailed again on the 2nd to be told you cant find my payment so no refund has been issued?!