Spring Financial review: Spring Financial Foundation is a complete scam

When I signed up for it, I was told the money I pay into it would not be lost and I would get it back at the end of the term which was a year or 18 months. I'm now being told hat I paid monthly went "to the credit bureau" and when I remarked that they would not "pay" the credit bureau, I was told what I paid covered "fees".
I had also told if I used the Foundation for a few months, I would get a better interest rate on my loan - 3 months later I was told that is not true, they interest rates don't change.