From what I am aware of and I may be wrong, FLM's rates are around 52% (ish) gaurantor, needs someone to be a homeowner with no adverse credit. If you don't make the payments the person who is backing you, has to pay. As someone rightly pointed out the other day to me, if you have someone who is willing to back your application, and they are in effect jointly liable is it goes wrong, then why pay 52%. If you have somone who trusts you, then why not get a loan through them at 7/8/9/10% and make the repayments which will be more affordable. Rate is for risk, but if you have a prime person backing an application where is the risk to warrant a 52% interest rate.

Obviously, I am in no way shape or form making any recommendations, advising or encouraging you to take that route, I am just using a little common sense.

TPS.... You will be hounded by texts, emails, calls, sadly this is what happens. TPS (The Telephone Preference Service), may be able to help. Just google the company, it's national and free, register your number(s). Avoid the companies that charge to do the same thing, it may take around 28 days, but should help in reducing the unsolicitored calls comming through.