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BE ALERT!! Halifax financial loan Cape Town is a ****, I did apply for a loan and they approved me for R 250 000.00 without having my I.D. number and proper investigation if I can afford the loan or not. I ask them for there Terms and Conditions and up to now no responce, insted they want me to pay them R1999.00 for admin and laywer fees. A credit provider is not allowed to charge you for legal cost or taxation fees under a credit agreement.