DO NOT GO NEAR THIS COMPANY!!!

Praying on the most vulnerable members of society, I hope this company either gains a conscience or is forced to cease trading asap. Having nearly fell for these 'pay a fee to broker and never receive a loan' scams before finalising any agreement on line I actually rang the company direct whilst I filling in application form on line, and specifically asked if they charged any fees. I was assured by the telephone operative that no fees would be charged until loan was finalised. She even volunteered the information that they will take 50p from your debit card to check your identity and card is active, which is then refunded back into your account. So fair enough I agreed their terms and conditions and waited to hear what they could offer.
Within minutes I was offered a loan from '1plus1Loans' but unfortunately they required guarantor which I was unable to supply. Not that unusual so although no loan, at least I hadn't lost anything but time.
WHAT A MISTAKE - A few days later when my ESA benefit was credited to my account, I was £79.95 short. I rang my bank immediately and was told that The Finance Facility had debited this amount, that morning. I rang them up assuming there had been some sort of error, only to be told by a very superior gentleman (and I'm using the term 'gentleman' very loosely), there was no mistake, and the fact that they had found me a loan offer, even though I didn't match that companies criteria, is enough for them to take the fee. There was no right to cancel, no cooling off period, and it was my fault for not reading their terms and conditions properly!!
Yes, I admit I didn't read the fees section of the T&Cs, but then why would I? when I was actually speaking to a member of their staff, a person, not a machine with lines of small print, who told me verbally on the phone there were no fees. Why on earth would a person tell you verbally about a 50p fee, but not mention the £80 one! Ridiculous!
I have complained both by phone and email but had no satisfactory response.
The stress and worry of this situation even put me back in hospital for a few days. Sadly I can't afford to just give away £80, and I'm currently going through trading standards to try and get my money back, but I know by the companies attitude to date, it's going to be a long, hard battle.
BEWARE AND STAY AWAY AT ALL COSTS!