"You have recently applied for a payday loan. Our private lenders have lowered their requirements for loan qualification. Your application is been reviewed by our largest lenders and you are now preapproved for our highest gold level of $1500 to collect your funds. Simply press one now. Again press one now to receive your preapproved loan. If you would like to decline this loan please press nine and you'll be taken off of our list."

I've NEVER applied for any payday loan !