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I HAVE COMPLETED AN APPLICATION FORM WITH THEM WITH REGARDS TO A LOAN, TILL TODAY ONLY CORRESPONDENCE RECEIVED FROM THEM WAS THE APPLICATION FORM THEY DID NOT ADVISE ME PER THEIR AGREEMENT THAT A CONSULTANT WILL CONTACT ME WITH REGARDS TO THEIR PRODUCTS VIA EMAIL NOTHING NOW 3 MONTHS LATER THEY SENT ME AN EMAIL STATING THAT I OWE THEM MONEY WHEN SPOKEN TO THEIR CONSULTANT BRIAN THEY ADVISED THEY DEBIT ORDERED BY ACCOUNT WHICH IS BULL**** NOTHING WENT OFF, I HAVE NOT REPORTED THEM TO THE OMBUDSMAN TO TAKE FURTHER ACTION, THEY JUST WANT TO ***** FROM A PERSON