Incompetency reigns true.

What a bunch of *********** people. Did a application for a personal loan, sent them a letter of my proof of employment. They state 'we cannot confirm your employment'. And I was just about to move my whole banking profile across to them. Luckily I did not do so, utterly useless and they weeks to process the application. Worst of all, they contacted me and offered the loan, blows my mind.