Yes Loans contacted me and ofered me a loan for a new car. I went through the process and was told I would have to pay £70 admin fee. The person on the end of the phone was very pushy and became quite irrate when I said I wouldn't give over my bank details until I had discussed this with my friend. I called back the next day and made the payment for the admin fees. I was then told that as I have no credit history the only company that would entertain me was FLM and needed a guarantor. I got the guarantor and am still awaiting for the paperwork. I have called numerous time, been put on hold for 45 mins, hung up on 9 times and told to go elsewhere for the loan. I am currently seeking legal advice on getting a refund.