Do not confuse a legitimate fee with an unofficial demand
Check whether a charge appears in the formal quote and who receives it. Verify unusual payment instructions independently instead of relying on a chat explanation.

What to check
- Quotation
- agreement and beneficiary
Pause the requested action. Locate the organisation’s contact independently and verify the specific recipient, document or payment request there.
A decision to avoid
Treating every requested payment as valid because loans can have fees.

Your next action
- Check whether a charge appears in the formal quote and who receives it. Verify unusual payment instructions independently instead of relying on a chat explanation.
- Pause the requested action. Locate the organisation’s contact independently and verify the specific recipient, document or payment request there.
- Keep the dated document or reference that supports the answer.
Questions about this decision
What should I check first?
Check whether a charge appears in the formal quote and who receives it. Verify unusual payment instructions independently instead of relying on a chat explanation.
Which information do I need for this decision?
Quotation, agreement and beneficiary.
Which mistake should I avoid here?
Treating every requested payment as valid because loans can have fees.
How do I check quotation?
Locate the actual dated record for Quotation. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
How do I check agreement and beneficiary?
Locate the actual dated record for agreement and beneficiary. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
What should I do if a required detail is missing?
Mark it as unresolved. Ask for that precise detail before choosing; do not substitute an advertised example for your own document.
What is the next practical step?
Pause the requested action. Locate the organisation’s contact independently and verify the specific recipient, document or payment request there.
How can I verify the explanation?
Use the documents listed above. Check quoted amounts and dates in the original record; use the official reference links for the organisation’s guidance.
