I got a payday loan from Cash Today Payment out of India. It had a survey attached. I got the loan and $1000.00 worth of additional charges for two credit shopping cards, grant info, internet services, and whole lot of paper work and a new account. I filed fraud charges and got back most of my money. What a headache that was. Beware of India or anyone who calls you and asks if you want something, if they have your account information you can say no till your blue-in-the-face, and they will still charge your account.