I had a conversation to say I was agreed a loan but they asked for a guarantor or payment of the 1st months payment - stupidly I paid £100 after getting hassled and once paid was told money would be in account in 20 mins- surprise surprise I then got a message saying couldn't pay me until I paid them £225 for PPI which was a legal requirement since covid- I refused to pay they said I was in trouble as wouldn't pay- I asked for money back they said couldn't as was for 1st months payment even though I didn't take loan out - when I constantly queried it they just said couldn't refund and no cooling off period - do not touch this company