I applied to a couple of payday loan sites that are supposed to run your info through various lenders to get you approved. After about 5 minutes, a "rep" from holidayphoneloan.com called MY phone claiming I was APPROVED, not pre-approved, for a $1500 payday loan. After they had me verify my personal info, which they already had. Never gave me an application number. Or anything, except two numbers, one of which doesn't work! So, after finding this site, I called the number to moneysaverplus.com, the BS the "rep" and the "supervisor" we're forcefully trying to get u to ok. I called the number a couple of times, spoke to a rep named Kylie (how original), and cancelled whatever crap they tried to force on me. She claimed my payday loan app was denied, so along with my request for cancellation, she assured me that I would not be charged anything from my account. I told her about this site and to beware because there's more like me who will be calling.