David, I too have had the same experience. Swoggi have taken £116.00. i haven't used the credits provided by thi company and have raised a dispute as advised. I've also requested that the money is refunded by PayPal Buyer Protection. So far, I have had an automated reply from PayPal and an offer of a further pointless 50 credits from Swoggi, tha I have declined. I'm more than surprised that PayPal conduct business with this company. Yes, I've been stupid and have parted with my hard earned money. Surely PayPal have a duty of care to investigate companies that they conduct business with and should take steps to protect their customers. I await a reply from PayPal Customer Services and intend to report this company to trading standards via citizen's advice. A bitterly disappointed!
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