Applied for a personal loan after checking the starting APR 2.9%. Did not expect that rate but with a good income and little outgoings and a credit rating, a few points off excellent I expected a fair rate. After conducting a search they sent me an offer which I had to sign before knowing the APR, 19.9%. The search has now decreased my credit score and I am reluctant to apply with another lender. This amounts to sharp practice where after jumping though the hoops they bank on customers accepting the higher APR. Why is no onegoing after these corporate criminals