double the advertised rate then 8 days to send

From start to finish what a shambles.
I applied for a loan online and was asked for phone numbers. when i didnt include a home one it wouldnt continue so i had to make one up which then flagged it to the underwriters.
I called up and they told me they would offer me the loan at 9.6 not 4.3
I asked what possible reason it would double as if i was a risk dispite a excellent credit score why give me the loan in the first place as charging me more would not diminish the risk. They refused to give me a answer saying they couldnt tell me how or why the rate was decided.
They then said they would send me the documents to sign and send back.
I asked why didnt they do that via email they said it wasnt secure i asked why they didnt give a link to download and upload from their site theysaid they didnt know.
today they should have the documents yet they say they dont but they also said when they do they will send the payment via bacs 3 to 5 days wait to save £30 so again why dont they offer me the choice to pay the fee to have it same day.

Not helpful at all and a very slow way of doing things. Doubling the apr is to me very very dishonest without explaining the reasons why. avoid at all costs.
Im now seeking to take a loan from elsewhere instead.