A few days ago I got a call from company asking me if I have any outstanding debts and saying they can help me with my debts. Well, I don't have any debts; though I use 3 credit cards, I always pay them out in full.
Then he asked me if I am looking for any personal loan? In fact I am looking to get a loan, so I told him yes. He said he can give me a loan. I asked for £25,000 for 3 years.
He then transferred my call to some other department and the other guy told me that he will make an application for me and check if I am eligible for the loan. He started asking me my details like address, company I work for, salary and then bank details. So I told him that I don't want to disclose my bank details. And he was OK with it and told me to call back if I change my mind.
I am confused and don't know if this company is legit OR not. I mean who will give me a loan of worth £25,000 and that too just over the phone? And on top of that they contacted me to give the loan.
I could not find any wrong doing information about the company on the internet. Am I right to be concerned?