According to Thomas Charles terms it is an instruction fee, what exactly they have done for that amount of money I do not know because I had to go through everything again with my IP and I have been in contact with them directly ever since. I have called them asking for a refund like you suggested I am waiting for a call back, it is alot of money when you are in a situation like this to part with and the fee exhaused all my funds Here's hoping I'll get something back so I can move on with my BR, if not I have to wait til August.