I can see how it is easy to miss the statement in bold letters on the "loan application" that says IT IS A LOAN. Your tax professional is not responsible for your inability to manage finances and is also not responsible for the fact that you either owe the government or didn't pay your obligation to a Fed, State or Child support agency. Most people know going in whether or not they will be approved.(you know whether you have bad credit or not) Every loan has a credit check so don't be suprised when YOUR CREDIT causes you problems. Oh and by the way, the IRS does what they want to do. Preparers, banks and companies are not at fault for what the IRS decides to do. They have actually denied parents their right to claim their own children before. Oh my, the government isn't shafting someone again are they??? Forgive me for not sounding shocked.
The average client who goes to Block and take loan seem to have less than a high school education or else they wouldn't be in the hole they are in year after year. 99.9% of them don't have any finances, savings accounts or any long term investments. Perhaps they are getting by, but why do they need to go on a shopping spree once they receive that loan check?