I have given up trying to figure out what is going on at Google. Just had another site banned / punished by them (EasyLoans.co.uk) so that now joins "QuickLoans.co.uk" in the sin bin. Both totally natural sites, little inbound links if any and content written by degree educated content writers. Compare that to xquickloans.co.uk who were second for over a month, now 5th, with little content and 250 inbound links from Russian porn sites.
Speaking with another member here today who has also had their sites banned, it appears Google are on some kind of power mission to piss off legitimate sites.