I applied for a loan via Yes Loans who informed me that they could definitely get me a loan but I had to pay an upfront fee of £69. I informed them that it must not be a loan with a guarantor as I was not in the position to get a guarantor. The loan provided that came through was FLM loans with a guarantor. I rang Yes Loans - 55 minutes of holding before I spoke to somebody - who told me after all that holding that I had to write in. I wrote in June - in September I wrote again and they told me that they had not received my letter and to... read full review »