I'll tell you something, These people called my place of employment. What was really funny is not just me, but two others in our Accounts Payable department had to hear the same thing.
These guys called stating that they were from New York, and were calling from a Los Angeles County Area Code. LOL
The only loan I would ever take is through a Automobile Dealership, my bank, or a Morgage company (and not HSBC).