If you have to pay money upfront to received money, it is a scam.
It is ILLEGAL for a telephone caller to require you pay any money upfront to receive a loan.
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
http://www.ftc.gov/bcp/edu/microsites/moneyma ... fee-loans.shtml

i was having call from somwhere called michael thomas ,he guys told me i have approved for the loan of $5000 and told me to pay $355 . i have done it but they are the scammers and not answer the calls. Dnt pay them and be aware guys.