Beware this Finchoice company - it follows sharp business practices

Beware of accepting a short term "interest free" loan from this company.

They make money purely out of statutory fees, which when added up amount to much higher 'effective interest' than a pure interest charge would be.

They ignore four emails raising a serious matter of alleged 'non payment' and their co-called 'collection service' claims top have no knowledge of emails sent to their single email address: info at finchoice dot com

Despite all these emails and claiming that I was unable to meet a debit order (no trace of that 'bounce' on my bank account) made on January 1 2023, New Years Day, when no banking processing is happening anyway.

The after 7 days of my trying to get them to reply to my email questions (sent FOUR times as well as via their sms channel), I get charged a huge late payment fee, amounting to over 10% of the amount that they alleged was due.

They tell untruths and behave in a very businesslike manner. .

This company, a division of Homechoice, practices "sharp" business practice.

Let the borrower beware.