I have been looking for a loan and was accepted to take a Loan out with FLM. After doing lots of investigations, I have decided to not proceed with an application. I think that they is something a bit "shady" about the company.My credit rating isn't great, so I know that a high street bank isn't going to lend me money. So after doing a google search I came across FLM. I did an application online and was accepted for a �3000 loan with a guarontor. I have to admit I thought it was a bit strange that they have asked me for this. After further investigation from my part, I have come across a lot of people posting messages on forums similar to this, talking about the bad the experiences they had with this company.I have to admit it didn't leave me with much confidence to proceed with the application.So I decided to call FLM,customer services to get some clarity re the guarontor and how it all works.I have to admit I was slightly put off by the abrupt nature of the "Customer Services" representative it was after that conversation, I decided not to proceed with the loan.I feel that I am so lucky that I decided not to go ahead with this, as I feel I have made the right decision.