Sorry no pre-judging from my end! (merely keen observations)

If you read my suggestions closely- it patronizes none of the parties in the transaction (consumer, bank, receiving party)- - after all- there's too much "unknown" from the peanut gallery seating to make any judgements nor render an opinon on the inquiry

RE: approach
makes good sense to generally approach matters (even car-type matters) gathering as many facts and circumstances as possible (prior to) lending a judgement

-fad