MVE
True, most of these outfits have an agreement with a bank but the onus is still on you to sort the loan out with them so whats the difference? The 12k is not for the rating but probably for a bonding arrangement.
At the end of the day this is not constuctive for FFF. He/She asked for advice. Advice has been given.
FFF i'm sure your not the first person at loagie bear that this has happened to. Why not ask someone who works for them? Even speak to HR and explain your predicament, they are usually more than helpful.
It has happened to me. I couldn't get my bonding loan with my companies bank so spoke to HR and i now have a written agreement as a bond. Same difference if i leave early i still have to pay my bond off.
FFF good luck i'm sure you'll find a bank more than willing.
HFS
