Imagine this: You apply for a loan online. Within minutes, an "agent" contacts you with great news—your loan is approved! To prove they are legitimate, they even send you a photo of a government ID, a "company identification card," or copies of a DTI/SEC Registration and Business Permit. But then comes the catch. They ask you to send a small "processing fee," "insurance fee," or "legal" via GCash, Maya, or Palawan Express Pera Padala before they can release your funds. You pa