On the 16.08.19, I called up and spoke to Rebecca over the phone (who I didn't know at the time was not at the Warrington CarShop centre, but actually Doncaster call centre) regarding a lovely honda jazz I had seen online, we went over financial details which Black Horse needed - I got the finance approved. I then Paid £99 "holding fee" and we arranged a time to have a look and pick up the car (the pick up same day). I Got to CarShop Warrington where the car was held, I went though all details again with someone else (Tony) - as these hadn't been uploaded onto the system?. This was sorted and the car price worked out the same to what I was told on the phone (initially the cost was higher as he hadn't changed the credit rating to good). I then went though finance again (with Simon who was vabose going on about GAP/warrenty insurance - he told us FSA require him to tell us about it?? ). As I was filling in the financial application form my last occupation was a student which I was told by Simon was OK. I was then told after the mix up it would not be approved due to student..but he was unsure. Apparently there was an issue as something on a "prop" form which didn't add up? Overall unclear what the issue was regarding getting the car at this point. (16.08 Evening). We had a long chat at the end of the visit about the "mix up". I asked when I would get my holding fee back and was told it would take a week.. 👎. The above took a total of 4.5hours including my driving time as I wasn't not local at all (40-1hr drive away in Crewe). I called up CarShop(numerous times) Saturday asking what had gone on, they all lied saying they would find out and never got back to me.  I didn't wait around as I had read reviews at how bad customer service was for CarShop and called up Black Horse. They said Finance had already been approved on the phone by someone at the companies call centre based on a future income. The car centre Warrington, had gone through finance again with my current income which wasn't enough for the finance. So that's ok all made sense with Black Horse. CarShop also listed the car for sale straight after my finance wasn't approved on the Saturday, technically this shouldn't be done - should be off sale for 5days after! As I was actually able to afford the negative equity - but they never bothered to explain to me clearly regarding the issue. They could have said for example, "here is what's happened so you want us to hold the car to see if you can get get more of a deposit or do you want the refund".