Here is a hypothetical, pure hypothetical.

Let’s say one gets a loan for a specific service, and this loan in going directly to a service provider in your name. As such, you, the consumer, begin to move forward with the utilization of said service. Time begins to move on and you, the consumer, are happy with the service being provided.

One day the service provider contacts you and says “Oh, by the way, you owe us a very large sum of money”, you would be confused, wouldn’t you? You were under the impression you had a means of paying for this service. You believed you had a loan in place to cover your costs. It turns out your service provider rejected the loan and returned it to the lender without your knowledge, leaving you responsible for the cost.

It would have been nice for the service provider to tell you, I don’t know, more than 3 days before your bill was due? Wouldn’t it?

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