It seems like you are implying that lies in "marketing quotes" are not real lies? I don't think that this is the case. In the rest of your comment you repeat t

It seems like you are implying that lies in "marketing quotes" are not real lies? I don't think that this is the case. In the rest of your comment you repeat the claim that I was responding to, that all the correct information was in the contract. You seem to have ignored the two key caveats I made: that their contracts might be compliant now, but they probably weren't before they were first investigated. And secondly that they have demonstrably lied extensively outside of the contracts themselves. Lying to convince someone to sign a contract which of itself is truthful, is definitely fraud. Perhaps you don't understand "the hidden finance charge" because you don't understand regulation of consumer credit. When you buy a car, the dealer has to show you numbers breaking down what the cash price of the car is, and how much you will pay in interest. This stops them tricking people by eg raising the sticker price and telling you that the credit is cheaper than it is. This isn't a guideline, it's a law. And the numbers have to be presented in a way which is not obscure or misleading. Scott Tucker got 16 years for this.