I telephoned four times to complain that 20 x £15 had been taken from my bank. Initially I was told that a form was being emailed to me; no form arrived. Eventually, when I refused to accept that I had knowingly entered into any agreement with Complete Savings, the (overseas) agent to whom I spoke suddenly told me that he had been authorised to refund all my payments totalling £300 within 7 working days. Sure enough, a week later 20 x £15 appeared in my account. I think that this is a legal scam and you will get your money back if you keep trying. Curious that the three year old review with 5* appears at the top of the review list. So far as I can tell, this all started when I bought a ticket using thetrainline. I have appealed to thetrainline; they have been very unhelpful. I suggest using National Rail for on line train bookings instead!