I looked up bad credit loans as my credit wasnt in the best standing at the time and found Farley and Mcbride as a loan provider. I filled out the application and a few days later I got a call from a lady saying that I was approved for my loan of $5, 000, of course this should have been my first clue it was fraud because I had only asked for $3, 000 but blinded by excitement I jump right in. They told me that I all I had to do was send them $625 through a Wal-Mart money gram as a personal use order (to save me money). Then I was to call with the order number and a check would be sent to my address in 3-5 days. When I didn't get it I called the number and they said they were sorry there was a hold up on the load check and it would be sent that day. again I waited for said check to come and it never did and when I tried calling again the number had been disconnected. There is at least 3 people that work within this scam or one person that can fake a female voice and 2 male ones. Word to the wise never send any one a "down payment" until you have checked thier credibility and seen the contract in writing hand signed. Luckly my back saw the fraud and returned my money opening a case to find these people.