i just received a call from this number, as soon as i answered it started ringing (strange). then a man answers and says "hello *calls me by name*, remember i called you a while back about your mortgage?" to which i reply "NO. i don't have a mortgage." and he meekly says "oh sorry" and hangs up. i do not have a mortgage...have never owned a house etc...how/why do they keep calling me?! i'm considering changing my number because this is just getting too ridiculous. i'm bombarded with calls like this weekly. i'm on the do not call list, but it doesn't seem to make a difference.

The red flags are here:
1. Asking for money upfront to secure the loan or advance fee
2. Asking you to pay with a green dot or similar card.

Advance fee loans are 100% illegal..
And some payday loans are illegal in some states

http://www.consumer.ftc.gov/scam-alerts
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
Payday loans
http://www.paydayloaninfo.org/state-information


You can report them here:

https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
http://www.consumerfinance.gov/complaint/

A new law went into effect the 16th of Oct also:
http://www.tcpalaw.com/
http://www.kleinmoynihan.com/publication/new- ... ctober-16-2013/

I need to know if this is a spam

I doubt anybody who writes like this is a legitimate loan officer.  Take out a loan yourself & learn grammar!!!!!

I guess you never got past grade 3 or 4 because even children out of grade 4 should know about punctuation, especially commas and capitalizing the first letter of a sentence.





Snap - you have been snyped

Did you in your training ever learn how to spell or at least consult a dictionary when unsure of a word?  Sheeesh.







Snap - you have been snyped

we are registerd from better bussiness bureau and our registrar officers number is 213-457-3621 and our callback number is 213-283-7914

i am the a/cs manager of a loan company and the name of my company is cash advance as we are registered from better bussiness bureau as we are the only legitmate company here and we are located in los angeles california and the registered phone number is 213-283-7914.