I had permission to look for credit to pay for my car that I had leased.I too paid the set up fee that I could no afford and did not get the loan that I was led to beleive was available, having been giving the repayment amount. I was lucky that my mum loaned me the money to buy the car.
Nothing you can buy feels as good as not being in debt.
Surely this practice is illegal ?. If someone verbally tells you that your repayments will be 'x' amount over a period of time in addition to a one-off admin fee which will be refunded if you decide not to proceed then if you then find out you are either being offered a different loan or not entitled to a loan at all then that's not misleading, it's a complete lie.
I was sufficiently bemused by the phone call that I asked them to confirm it in writing (so that I can forward to my IP who are interested in this) so I am intrigued to see if the figures two of their staff verbally told me tally with what I get in writing.
I get tons of emails offering me loans, I always delete them as I know they are con merchants.
Pavel - unless there is a recording of the conversation, how will you prove what you have been told is different to what you get?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk