You may remember my many reports on those companies trading as “looking for a loan” type names; luring people into applying for loans online, and then giving them not money, but a demand for an annual subscription fee.

Who wants to pay a subscription fee to a phone-in advice service when what you desperately need is a loan?

Ah, but the clients ticked that they’d read the terms and conditions of the deal on the website, I was always told when taking up such cases.