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online loan applications/to non loan companies

it seems that many online secured loan sites are not what they seem. I searched yahoo and found many sites I contacted were purley passing details on to real loan companies. this is a concern as I am not informed that this is happening. My question is how is this policed and how can these people make offers when they are not active throughout the loan process. I can only imagine that the fees they recive for my application will be eaten up in my loan passing the cost onto me. I have a list of these sites if anyone wants it.
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