Serious *****

The company systematically *****s money through asking questions in a form of asking whether you qualify or not. Then after consultants tell you, you're not applying for anything or won't be debited for anything since it's not an actual application. Unless per month you choose to opt for it then they'll debit you. They've designed the system in a way you can reverse it while *****ing from you. And consultants tell you there won't be any debits.