Oh Dear, why didnt i read the info in this forum. I too have been taken in by this lot and like so many others having been "accepted in prinicple" and quoted monthly repayment of 135, a few days later ( after like 20 phone calls) I recieve a call today saying that they had founf me a lender, however welcome were the only lender willing to offer me a loan. so I was put through to a very rude girl at welcome and she completed the application proces with me. However every time That I asked her a question and interupted her rambled off script she got quite annoyed with me. then she was pretty annoyed when I said that I Didnt want personal accident insurance and to take it off the quote. she also very bizarely told me that the rate of repayment (303 pounds dont you know... not the rather attractive 135 that yes loans led me to believe I would be recieving) was two pounds more expensive if I took the loan over three years rather then four. she actually said she didnt understand why that was. I am so angry with myself for not researching this further. obviously I am not taking the loan. an APR of 60%!! funny how they never actually mentioned that. I was appauled to see a post that stated that someone had applied for thier experian report and found 7 searches. I wanted to clean up my credit file not ruin it. I also do not want my information passed on to any other companys. I have been literally getting up to 6 phone calls a day. even though they told me not to apply for any other loans I got a call from another broker firm trying to give me a no fee service and advice and then patched me through to a lender!!!! I told yes loans about this and they totally dodged the issue. I am so glad that I checked this forum out. I wanted a loan to consolidate my current repayment to make my life easer and by getting involved with this mob I have just made it worse. I intend to complain to trading standards and the OFT and I am sure that I shall have a hell of a lot more to complain about when I ask them for a refund.