Called at 8:15 am (illegally - before 9 am) with an enthusiastic, cheery-sounding woman's voice (illegal robo-call) declaring that this RSQUARED entity has reconsidered my (nonexistent/ fraudulent) request for a payday loan, AND, after "reconsidering" have decided to lend me up to $1350 to make my New Year's hopes and aspirations possible. WHAT - the last robo-calling, do-not-call-list violators offered me $1500.