The only person that will lent money to you at 3% is that elderly uncle of yours. Any honest businessman willing to lent at 3% wont stay in business for long. Therefore it is too good to be true. How it works; # You will be sent an application form to fill out with all your personal detail, such as your birth-date, and even your mothers maiden name. Maybe contacts for a family member or close friend, whom they can con further information out of, regarding your personal details. You will have no trouble whatsoever getting your loan of any amount you can think of, approved. You will be then asked for your banking details so they can deposit the money they say they will lent you. Then using the personal details you gave on your application form, and your banking details, it wont be long until they clean out what little cash you do have in your bank account. If you have already signed up, I suggest contacting your bank immediately, before the spammer gets into your account. If you are too late, it is very unlikely your money will ever be recovered. # OR, you will be asked to pay a application fee, before they can process your application. Pay it at your own peril, as you will never hear from them again. And they will sell your application form and banking details, to a identity thief who will sign up for a real loan in your name which you end up repaying at 15% interest while they keep the loan. # OR, its just your details they want, once they get that, you will never hear from them again, but certainly they still profit by on-selling your details to another spammer. And nobody is going to feel sorry for you being taken in so easily. Not even Law Enforcement, they might say words to that affect to you but behind your back they will be questioning your mentality. ######################################################################################################## Please click on "SpamScams" in the keywords, to find more SPAM EXAMPLES My intention for uploading these items, is so future historians can look back to see the reasons for the demise of the worlds email system, or if the problem does get resolved one day, they will want to know what spam-scams was all about. Anybody wishing to upload their examples of social engineering type spam, (that is not spam selling a product like porn or medication) feel free to on the description page use the keywords >> Spam-Scams << as a means of linking together all the examples into one grouping ########################################################################################################