Loans are probably one the most fundamental part of the finance sector. They are available in every other established financial institution for various allocations such car, business or for self-help groups. People also take loans for a variety of reasons ranging from property purchase, start up investment, education to catering for emergencies such as treatment. Some these reasons are quite valid in some occasions but others are totally uncalled for and plunge the borrower in a financial crisis with nothing to show for the loan they took. So, have you ever encountered a situation that only a loan was your only friend in need?