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I too got a random call from a company calling themselves Pelican Bank and they offered me a $5,000 unsecured loan for 60 payments of $97 - then the guy said that in order to get the money wired into my bank that money into my bank I would be required to insure the loan by sending them a $100, upfront one-time fee which he called Insurance to protect my loan. He refused to send me the loan terms, interest rate and payment schedule prior to any money being exchanged. This guy couldn't hardly speak English.

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