Confusing loan procedures

Name(s): 
Complex loan computing methods
Complicated loan services
Nature 
The operation of credit exchanges is obscured by the array of methods used for computing interest charges, repayment plans and regulatory procedures that, due to their technical nature, tend to confuse the average person. For example, several options of deferred payment accounts may be offered by the same retailer, so that interest charges can be stated on different bases to give a different figure, without offering a valid basis for comparison.
Strategy(ies) 
Type 
(F) Fuzzy exceptional problems