I would suggest calling your local Trading Standards via Consumer DIrect to make an official complaint. If people don't complain through proper channels then nothing can be done as the necessary bodies won't know.
One of the issues could be misrepresentation if they are telling you they have got a loan waiting, but in fact you have to apply for more. With regard to the fee, they can charge a broker fee but if you do not take up any loans they offer within 6 months (for whatever reason), they can only keep �5 of the fee and have to refund the rest.