I applied for a loan with First Stop Loans and paid the £47.95 fee which they asked for up front. They subsequently sent me one loan company in the post (which incidentally had already written to me themselves asking me for a loan before I even applied to First Stop Loans!). The loan company they sent me was no good as you needed a guarantor for the loan which I did not have. However, when I wrote and asked them for a refund of my fee, as I did not meet the criteria of their loan company, they did not even bother to write back to me and when I phoned them up, I got a barrage of abuse of the most unprofessional, incompetent, rude contact centre staff, unlike anything I have ever come across in my life - they were absolutely horrendous!!! They said they did not do refunds and after a lot of arguing with them on the phone, they said that I should go back on my medication as I was a psychopath!!

I told them they were committing fraud and they banged the phone down on me, but I would not at all be surprised if they were not even a legitimate company - ABSOLUTELY APPALLING RIP-OFF MERCHANTS!!!