Good morning. Yesterday I spoke to Black Horse about a loan, here's how it went

I wanted: £25000 over 12 months @ 6.9% APR
was offered: £15000 over 15 years @ 17% APR

If nothing else I now have a better understanding on the kind of offer I may see elsewhere. As you've no doubt guessed I never accepted the offer, but I must say, Michael I think his name was, was very helpful and polite. I'm thinking of popping back over to moneysupermarket and filling in the advanced form and run through the detailed search. See what comes back

I also spoke to e-trade and asked about my application for an online account.
Me: hello, I ran through your online application form about a week and a half back but haven't received any details
them: what account did you apply for?
Me: (I can't remember, I think it was Fortrex or something, i'll give that a shot) Fortex
them: sorry?
Me: Fortrex
them: ....
Me: ... what accounts do you have again?
them: (they list them)
Me: ahhh yes, Forex and Futures
them: you got the questions wrong on the online form when you signed up for the account, have you traded before?
Me: no...
The story continues along the same lines, I never had a clue what was going on and settled for a 'spreadbetting account' which is for those new to trading, once you've had one of them for six months you can upgrade to the account which deals with Forex and Futures.

Just waiting to here back on that application now...