You receive a call saying they will loan you money, but you have to pay a fee upfront?
That is illegal:
http://www.ftc.gov/bcp/edu/microsites/moneyma ... fee-loans.shtml

"If the offer of the loan is made by phone but you have to pay before you get access to any money, it’s illegal. It’s illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they make good on their promise."

So all such calls are 100% scam.

The post by David is an attempt by the scammer to make the scam seem legit. David is a theif.