They will approach you when you need a loan, they ask for all the details, which you obviously provide. There after they then ask for a one off payment of £69.95. VIZ:

(c) Before we consider your application you must pay the Fee in advance. The Fee is £69.95

They then do 'checks' and woe and behold, the loan is offered for the entire amount at a decent repayment rate and interest.

But that is NOT the loan.

You then start getting pestered by companies offering you a fraction of the loan with huge interest rates. One was 60% rate.

IN REALITY, THEY ARE NOT EVEN BOTHERED ABOUT GETTING YOU A LOAN MERELY TO TIE UP NEARLY £70 OF YOUR CASH. Funnily enough just got a loan from my bank at a considerably lower rate of interest!

Stay well clear and use normal means!