Yes, I remember answering my telephone and hearing a sales pitch from some type of salesman and/or loan shark, scammer or scam artist, who offers to help me get access to "other people's money"and then I say no or better yet hang up immediately without saying anything thus to avoid giving them any opportunity for further comment on these irrelevant points because obviously I will not want to pay their high interest rates and other unforeseen costs they forgot to mention.