I saw an online add for loans and upon checking the link out I applied for a loan in the amount of $7, 500.00. The next day (Nov. 23)I received an email reply stating that my loan application had been reviewed and that the requested loan had been approved. I was instructed to contact Ms. Carol Sheppard at [protected] Ext 622 to discuss terms and conditions of the pending loan. As it was after hours I could not phone that day nor could i phone on Thursday (Thanksgiving Holiday). I tried phoning several times Friday and Saturday but no answer. Finally on Monday Nov. 28 I successfully reached the party at Ext 622. Everything seemed legitimate but the mention of a $1, 157.90 "collateral payment" raised a "red flag". At that point I did an internet search and found this site. A big "Thank you" for the "heads up!