They completely misguide you. they offer loan finder service which you can do for free from internet., i am also a recent victim. i applied and provided them with the details. they called immediately and i was impressed. i gave them the card details and they gave me a payment date which was yesterday. i received an email for authorization and in haste i accepted it. after accepting it i realised one sentence in the agreement that they are brokers not lenders, so i immediately called and emailed them to cancel the service. they asked me to write them a letter. i posted a recorded delivery stating that it will be an attempt of fraud if they try to take the payment. and guess what, they just did. now i cant get through to them as they are not picking up the phone. if they don't resolve this matter , i shall take them to small courts for the breach of treating customers fairty and fraud/theft. if you need any more info , email me on midlandwolves at gmx.co.uk. hope it helps