i went to my bank and found out i was over drawn by 39.99 and never heard or applied for a loan with this company. If i knew there was a fee involved and i did apply with them there would be no chance of me getting a loan as i would of needed money not just given it away. I contacted my bank and they had to process it due to me not getting back to them reporting fraud on my account. the bank were not sucessful in getting my money back hence thats why im here.