Dishonest

They ask for you to confirm your ID number, then send an SMS stating that you consented to them requesting your credit report. When asked how they lower interest rates on your loans, they only hammer on how they are part of an authorised department and they ONLY take the once-off two-month fee - but they never tell you that they put you under debt review.

They are not upfront about the means that they use to deliver what they promise, I don't know if the promise would ever come true, but I doubt that as well.