LOL, I'd hardly call it a free audit
An audit where they ask you to bend over and cough, then decide what to "serve up as punishment" and also decide whether or not lubrication is needed whilst "serving" the outcome.
Experience would suggest when it comes to "last chance lenders" like CCV, otherwise known as "payday" or "predatory" lenders, in general the decisions are no lube and as hard as possible.
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