Northern Financial Services (supposedly out of Albany, NY) contacts you with a LOAN OFFER that seems very easy to obtain and with very few restrictions. Well, folks - it is TOO EASY - IT’s A SCAM !!!!  The loan offer will be for, lets just say, $60,000.00. The interest rate (fixed of course) is 9% — A bit high, maybe ???  The payments are $482.79 a month for 30 years. OK, could be do-able—  Ready, now here it comes….. all they need is your personal information and for you to send them $3,896.20 (USD of course) for some kind of insurance payment. The real kicker is they want you to send it by “Western Union” !!!  I never would have guessed that one !!!!  They make it look so very official and real, but it’s total hokum !!  If you need a loan, there are tons of reputable lenders out there who will be glad to work with you !!!  Always check it out !!  WHEN IN DOUBT– CHECK IT OUT and be safe  —– Sheriff Karl J. Dailey