since i didn't tell them i refused there offer in email, since i did verbal and charged me 395.00 for nothing! They told me to read the fine print i had 7 days from approval to refuse their offer by email even though i did verbal and i threatened to file a complaint against them and they didn't care a robin was the one who more less said too bad here is their email below.
Unfortunately, due to our contractual agreement on the Loan Search Form the fee of $395.00 is non-refundable. Med Loan Finance informed you of your approval offer on May 7th, the charge on May 15th was because we did not receive a cancel email to firstname.lastname@example.org. Attached is the Loan Search Form that you electronically signed and agreed to. You will see that it does state you have 7 days to cancel the offer if you did not want to accept it. We did not receive a cancel e-mail from you. The 7 days does start when you receive the approval notice. You were left a message about you approval on May 7, 2013 at 2:30 pm CST. You were also sent an approval e-mail at that time.
Med Loan Finance
Monetary Loss: $395.