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I was searching web for a loan 5000 poor credit. Got a email will lend 5000 texas loans
needed good faith money give my account number to them and they will take out 156.00 and in a couple of minutes they will return with a instant deposit of 5156.00
I'm old but not born yesterday. Sounds like a scam??? any ideas? OR did I just blow the chanch to get my loan for a new roof???

Read this:
"It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver."
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans

If you or a friend need a loan, you really should read this:
http://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor

In fact, the more you need the money, the more urgent it is to read that information!

Protect yourself!
Recognize that NO legitimate company is going to offer you a loan, without their doing some background / credit checks on you, and they WILL generally need a snailmailed, signed contract.

If you or a friend fell for the scam, please try to educate your other friends.  The only way to stop these scams is to cut off their source of money!

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History of the scam:
Some time in the 16th century (yep, the 16th century), some enterprising scammers devised the "Spanish Prisoner" scam.  Marks were promised a significant reward, if they contributed money to get the "very rich prisoner" out of a Spanish jail.

If the mark sent money, the scammer replied with some excuse that more money was needed, because something happened.  The scammer would continue with excuses and demands for more money, 'till the mark was broke, or wised up to the scam.

A variation of this scam exists TODAY, some 5 centuries later.  It is called an "Advance Fee Scam".  It remains successful because some folks are easily duped, or think they can get a very high reward for minimal investment.

Scammer wanting me to money to them in order to get a payday advance. If I am in need of a loan, why on earth would I send someone money first. I'm young but not an idiot.

I have not applied for a loan or even looked for information on a loan. However, starting today (April 29, 2015) at 9:30 this morning I have received call after call after call and it's the same voicemail left, you have only a couple of hours until your loan is deposited into your account, call us back for more information. I blocked the number thinking that would help, it did not. They started to block their number so it would still call  my phone and every 30 minuets they call and leave the same automated voicemail. I finally called back and got a mailbox, left a message saying take my number off of your call list. 15 minutes later I got another voicemail from them, called back an spoke to Ahab (not being funny, this is what he stated his name to be), never told the name of the company so I do not know that information, but I told him I had already left a message saying to take my number off the call list and he said he would do it and hung up. 5 minutes later got another voicemail from them, and now it's been every 10 minutes. I've tried to call back and they keep answering and hanging up on me. HELP!!!!