if you want to give away �50 then pay the admin fee,or give it to charity.ive been ripped off by these companies before.they take advantage of people with bad credit history and the desparte.you may get aletter telling you that youve been accepted for a loan and all you need to do is send the fee and the money will be in the bank within 5 days.they deliberatly mislead you into thinking that they will give you a loan ,they are just brokers.the lenders will either reject you,insist on a garrantor or offer you an unsuitable loan which you cant take so your back to square 1and �50 down.a few i know of are tenantloans,advantage,welcome, yesloans and any company connected to POST NET LTD