Chow my friend, if I knew somebody well enough for them to ask me for a loan out of the blue, they would have my telephone number and would ask me in person not drop me a note or an e-mail. I stand by what I said, anybody caught with such an obvious scam deserves little sympathy. If it sounds too good to be true...it usually is. Never reply to an authentication out of the blue (remember your old comms security), a Sky chap phoned my wife the other day to try to get us to update. He started his banter by asking the answers to our security questions. Remember he phoned us not the other way around, so why ask us for the answers to our security questions ......no way jose (pronounced ho-zay). Hang up time.