Refer to Looseheads answer. Don't do it.I was in a similar situation. They tell you "we can get you a loan but you have to call this number which is always an 09 number. This is how they get their fees (�49, �29'95 or what ever) They'll keep you on the phone for half an hour and then when your half an hour is nearly up they'll speak to these companies who are just another lender. You will have to go through all the normal standard checks like any other lender ie credit checks, they'll say no and then you have to call again to for the next company. The broker are just checking you against standard criteria, they don't care who or what you are basically as long as you have ticked the "I want money box" they'll take you on. The only way to claim your money back is after 6 months or 1 year when they haven't found you a loan. It as on a watchdog program recently and I think it ws 90% of the time these companies never get the company a loan and the other 10%is when the customer was too stupid to realise his credit history wasn't that bad and the company sent him a letter to say it was.