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I keep on receiving adverti*****ts via e-mail and sms for a personal/business loan at 5% - on further inspection it did not come from Direct Axis at all but from an email address: ********** If you phone you go onto an answering service - beware you will probably not hear from them again after you paid the exuberant deposit/admin fee!! The Real Direct Axis should investigate this as their name is used and abused! Elna Rudman