Advantage Loans

[Stressed]

I have got myself into a mess with credit cards and catalogues and have reached my limits. I am paying only the minimum payment each month and this is bearly covering the interest. I contacted Advice Online for help in finding a loan, I wanted �6000 so I could pay off all the debt and just pay the one loan. As I am paying about �300 a month at the moment in minimum payments I know I could easily afford the repayments on a loan but the only company that I have been accepted by is Advantage Loans! I have had defaults in the past (5 yrs ago). I received a letter today saying I had been accepted by Advantage and passed their preliminary checks, but they are asking for a �49.50 set-up fee before they can proceed with my application. I am desperate, but asking for money before giving me a loan seems a bit strange. Does anyone know anything about Advantage, are they genuine, and has anyone had any joy with them? Please, I would be grateful for any advice!!