Fresh Finance Online

OK. Got divorced and subsequently had a few money issues which totally ruined my credit rating (brilliant rating before I met my ex-wife).
Anyhoo, I was looking for a company that could offer me such a loan even with my credit rating as bad as it was/is. (its actually not really that bad, but am still unregistered on the electoral role for some reason, and my ex-partner is still on my credit file for another 6 years by way of association which I feel is very wrong to be judged on the actions of others (joint loans taken out without my consent, which I was never able to prove)). Back to the point. I came across Fresh Finance Online and seemed to look as if they could offer me something. Applied, and pretty quickly received a reply which seemingly looked like an acceptance letter. 14.9% APR over the repayment term Id requested. All accepted 'in principle'. Now by the terms that I read, this meant that I would be accepted for the offer presented providing I returned the form signed within 28 days and that my circumstances had not changed in the period of time, from receving the letter to sending it back. OK, heres the other pre-requisite. A cheque made payable to Fresh Finance Online for £49.99 to process the application. Now these guys do use other lenders, (which Ill get to), but in no shape or form do they say Ive been rejected 'by them'. Everything looks okay. A day after sending the cheque I receive a phone call from no other than "Welcome Finance"!!! Offering me a loan for £4500 over 48 months. Not the loan Id asked for through FFO or the repayment period requested. I asked where they got my details from and was told that it was from an online referral. Id posed the question if they had been asked by FFO to process my application, but stated they were not involved with such a company. So loan offered. A nice APR of 45%!!! Yes 45%. At which point I flatly refused and said my thankyou's and goodbyes (which I believe anyone who ever speaks to these people should do).
Next port of call is to ring FFO to find out how my application is going on since sending in my 'administration fee'. At this point Im told that they couldnt offer the loan as stated in their letter and asked how things went with "Welcome Finance". Yes I d been referred by FFO to Welcome. So £50 of my money is spent on doing something I could have easily done myself by typing in a different web address or by dialling a different phone number. They claim that if your loan is unsuccesful that it will be refunded. However, this isnt the case if you are unsuccessful with them (do they actually offer loans or not?). It leads me to this conclusion.
Fresh Finance Online DO NOT offer loans (or at least ones which arent a figment of their imagination). I believe that they are brokers only subsequently obtain a £50 fee for every application that is made. All that was left for me was Welcome, or a debt managemt agency. (I must point out that I have very little personal debt now (around £6000 max), having paid off most of my creditors after my divorce to the tune of £65000!! You think you have it bad!!???). The money I was asking for was in fact to be used to pay off a niggling debt which was my ex-wifes in essence (Credit Card debt which has been Defaulted and in the hands of a debt recovery agency who want all the cash NOW). I dont have the cash to do it of course and my pleadings to pay monthly have gone ignored. A totally seperate issue I know. But back to FFO. Id urge nobody to even contemplate using this service. Use my mistake as a guide. Do the work yourself. If you get refused credit with a reasonable APR, Id seriously urge you to bite the bullet and do without it, if you can. High % loans will only make matter worse. Ive been in some awful financial mess and Im not prepared to get into a new one. Welcome...not so.