Saturday, January 21, 2012

YSAK 501: Money-hungry banks won't lend to me; Will you?

Twitter user Heather Feather spotted this screaming request for a personal loan posted in the Windsor Ontario Kijiji site from .... Bristol, Maine in the USA. Ignore for a second that the geography makes no sense, and I can't fathom how it's even possible to post an ad from the USA in Canada with success. Forget that it's under "Community > Other." Let's get into the dissection.

NEED 15,000 LOAN
Address N8E, Bristol, ME 04554, USA

I DESPERATELY NEED A $15,000 LOAN, WILL PAY BACK 250 A MONTH UNTIL LOAN IS PAID OFF COMPLETELY, I REALLY NEED THE LOAN FOR MY FAMILY, AND 1 COMPANY IS GOING TO SEND US TO COLLECTIONS AND I CANT HAVE GOOD CREDIT SINCE IM THE ONLY INCOME. PLZ REPLY IN EMAIL. ANY HELP WOULD BE GREATFUL. EVEN A 5,000 LOAN IS GOOD, AS LONG AS I GET OTHER LOANS THAT ADD UP TO 15,000.
Okay, $15k at $250/month. If no interest is charged, that'll take five years, 60 months, to pay back.

Think about this. Banks love to lend money. They make money lending money. Any bank that thinks there's the slightest chance this guy could pay back the money would lend it to him. The fact that buddy can't get a regular loan is evidence that he won't or can't pay it back.

A company is going to send him to collections? Can you guess why? Because he hasn't paid back money he borrowed. He owes someone money and is not paying. Obviously he's not going to pay you back, either.

I don't understand the line "I can't have good credit since im the only income." Sir, you don't HAVE good credit. Not paying your bills ensures you have BAD credit.

Friends, allow this to be a personal life lesson to you. You can't borrow your way out of debt. Borrowing money to pay another loan doesn't pay off the loan -- it just changes who you owe. Don't spend money you don't have. Debt is dumb. Cash is king, especially on Kijiji.

But this guy is so deeply deluded, he's actually looking to get more shovels to dig a bigger hole.
Wanted: NEED A PHONE BUT HAVE BAD CREDIT

i need to get a blackberry but afew years ago i was sent to collections ( i paid it but apparently it stays on ur credit record for 7 yrs) and now i cant get a phone under my name. Im hoping someone can put a blackberry bold 9900 under their name and ill obviously pay for my phone every month AND im willing to pay HALF of your bill a month as well.. that sounds like a great deal.. a phone under ur name for me and ill pay half ur bill every month!.. until the contract is over!!!! let me know.. serious enquiries only plz
Another chapter in his life story comes out. He's been skipping on his bills for nearly a decade. How do I know? Well, they don't send collections after you unless you've been NOT paying your bill. If you're still paying your bill, even a bit, they keep it in-house. After they're convinced you're not going to pay your bill to them, they send out the professionals. That takes a while. So, this guy was tailed for a while by the collectors and eventually got it paid off. That took a while. But he was such a deadbeat, it stayed on his record for seven years.

Now the phone companies are smart enough not to sign him up. Phone companies, like banks, would love love love to put you on the hook for a contract, but in this case, they KNOW this guy won't pay. Are you stupid enough to think he'll pay YOU? Obviously he won't. He knows that if he never gives you a penny, it's you who'll be on the hook for the entire thing.

When this guy first started spending money he didn't have, you can bet that he never imagined writing a cross-border all-caps advertisement begging for fifteen thousand dollars in cash from a gullible stranger.

I'm not cold-hearted. I'm a realist. This guy is in big, big trouble. I feel bad for his family, who may have no idea that he's done some very stupid things that have put them at tremendous risk. I hope he finds a proper way to dig his way out of this hole before some wiseguy puts him in a hole.

19 Responses to “YSAK 501: Money-hungry banks won't lend to me; Will you?”

Jean Agg wang said...
April 16, 2014 at 9:53 AM

My name is Mrs. Raymond Juliet. I live in USA and i am a happy woman
today? and i told my self that any lender that rescue my family from our
poor situation, i will refer any person that is looking for loan to he gave
me happiness to me and my family, i was in need of a loan of 25,000 pounds to
start my life all over as i am a single mother with 3 kids I met the GOD
fearing man loan lender that help me with a loan of 25,000 pounds,he is a GOD
fearing man, if you are in need of loan and you will pay back the loan
contact him tell him that is Mrs. Raymond Juliet that refer you to him.
contact Mr Prudent nary via email: (albertoloaninvestment@aol.com)


Dr Benson Felix said...
April 25, 2014 at 12:46 PM

Dear Applicant ,

We invite you to the payday loan company Plc, where
all financial needs are put to Satisfaction.Are you
Looking for a loans to start up a business
or if you have a loan to pay your bills here is an
Opportunity for you to get a new loan

Contact us via accesspennyfn@gmail.com for more information

I look forward to response

Dr. Benson
loan finance companies
CEO ... / MD


Anonymous said...
February 5, 2016 at 7:44 AM

Apply for a quick and affordable loan with Barry Jones Finance Company. barryjonesfinance@hotmail.com
Are you in need of a loan, or have you been turn down by your bank before, this is the opportunity you are looking for. We offer all kinds of loan like business loan, car loan, company loan, venture capital, home loan, student loan or any loan of your choice at 2% interest rate. Interested persons should contact us at This email address: barryjonesfinance@hotmail.com


JULIA NAVARO said...
March 14, 2016 at 2:14 PM

Good Day !!

I am JULIA NAVARO, CEO of NAVARO LOAN COMPANY a Reputable,
Legitimate & an accredited money Lending company. I want to
use this medium to inform you that we render reliable beneficiary
assistance as we`ll be glad to offer loan at 2% interest rate to
reliable individuals. The Services Rendered include:
*Home Improvement *Inventor Loans *Car Loans *Debt Consolidation Loan
*Line of Credit *Second Loan *Business Loans *Personal Loans
*International Loans *education loans.
(No social security and no credit check, 100% Guaranteed!)
I Look forward permitting me to be of service to you.
You can contact me via e-mail: navaroloancompany@yahoo.com or contact
us with our customer care number +16618356153....
Yours Sincerely,
Julia Navaro.


Anonymous said...
July 16, 2016 at 6:23 AM

Get a Loan Today At 3% Interest Rate, contact us at:davidloans760@gmail.com

Welcome to DAVID JAMES Loan Company, This is a legit loan Company, formed to help individuals who are in need of financial crises and help them achieve their goals in life.

Available Loans we offer are,

1. Personal Loans (Secure and Unsecured)
2. Business Loans (Secure and Unsecured)
3. Combination Loan
4. Consolidation Loan And Many More:

Interested clients should please send request to our email for application form and terms. Try and see for your self, our wonderful services that does not exceed Working days for loan processing and just only (1)hour 35 minutes of loan Transfer.

EMAIL---[ davidloans760@gmail.com ]

Warm Regard


Creditor said...
August 3, 2016 at 1:59 AM

What a great gear to get rid of problems of having a loan in just glimpse!! Really surprised by the way Loanor proceeds! Very efficiently and effortlessly! I hope everyone gets to utilize them for their good.


payday loan relief said...
September 7, 2016 at 6:58 AM This comment has been removed by a blog administrator.

Zuma Loans said...
September 8, 2016 at 5:02 AM This comment has been removed by a blog administrator.

JORDAN said...
October 29, 2016 at 7:22 PM This comment has been removed by a blog administrator.

Dr.Willmar Schwabe said...
April 4, 2017 at 8:33 AM

Really amazing blog!!! I enjoyed the complete article? enormous written.professional plumber


Alex John said...
April 5, 2017 at 6:01 AM

Your blogs and every other content are thus interesting and helpful it makes me return back again. Mark Hurd Salesforce


Ruth D.Dominick said...
June 22, 2017 at 1:26 AM

I love this blog because it is user friendly with appreciative information.
loancredit.sg/moneylender-review


Armando Taylor said...
August 18, 2017 at 12:46 AM

I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you?

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

Phone Number+1 412-329-4367

1. Full Names:……………………….
2. Contact Address:…………………..
3. Loan Amount Needed:………………..
4. Duration of the Loan……………….
5. Direct Telephone Number:……………..
6. Monthly Income:……………..

Email (armandotaylorloanhome@gmail.com)
Best Regards,

Mr Armando Taylor.


Jenifer Hayes said...
August 22, 2017 at 7:46 AM

Howdy dudes! Astonishing stuff keep it up!!
fintech businessman


RODNEY BRITTANY NICOLE said...
September 27, 2017 at 2:43 PM

How I Got My Loan From A Genuine And Reliable Loan Company

My name is Mrs RODNEY BRITTANY NICOLE. I live in United State Of America working here I am from Philippines and i am a happy woman today? and i told my self that any lender that rescue my Company and my Family situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $300,000,00 and was scammed by those fraudulent lenders and a friend introduce me to MR IBRAHIM MUSA,and he lend me the loan without any stress,you can contact him at (powerfinance7@gmail.com)

LOAN APPLICATION FORM
**********************
Your full name:
Country/State:
Loan Amount:
Duration
Phone:
Monthly income:
Occupation:

Awaiting your swift response.
May Allah bless you.
IBRAHIM MUSA
power Financial Service Pvt.
Contact Him At :powerfinance7@gmail.com
WhatsApp Number +919717357946


Dr.Johnson said...
December 19, 2017 at 5:25 AM

I thought haven’t read such distinctive material anywhere else on-line.
Wix web site


Mark Shoemake said...
December 30, 2017 at 7:13 AM

Big thanks to you for sharing such great information.
Wordpress blog


Dr. Bentley Grants said...
March 7, 2018 at 5:05 AM

DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Bentley Grants a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email: (dr.bentleygrantsloans@gmail.com) have you been looking for a quick and legit loan online why don't you try Dr. Bentley Grants loan company and be free from debts note getting
a loan from this company is 100% assured and guaranteed

We have provided over $50 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $800 million.

Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Bentley Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Emai(dr.bentleygrantsloans@gmail.com)

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Bentley Grants
Phone: +1 (940)226-3822

We are certified and your privacy is 100% safe with us. Worry no more about
your loans or finances.


Get your instant loan approvals an Affordable and Legit Loan that will change your life forever


Julie Booth said...
August 21, 2018 at 10:16 PM

I am writing this Testimony because am really grateful for what BARRY MORE did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email (barrymoreloans12@gmail.com) call or text +19725345446 and be free of internet scams. thanks... Kathie Roper from California, USA.


Post a Comment

Need a media interview about You Suck at Kijiji? Contact me!