Rose DesRochers – World Outside my Window

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Rose DesRochers – World Outside my Window

Pacificadvance-Blog advertising-Elmer

March 17th, 2009 by Rose DesRochers · 11 Comments

Yesterday, I received an email from Elmer Caballero who is working under, a company
supposedly interested in advertising on my blog. Elmer apparently surfed by my blog and found it engaging.

Elmer didn’t surf by my blog. He emailed me directly and not from the contact form on my blog.

Ok, an interested mind wants to know more about this invitation for blog advertising. I replied to Elmer asking for more information and pricing details.

Say what?

Elmer wants me to create a short post, more or less one hundred (100) to one hundred fifty (150) words. The post itself should not be to elaborate and will not necessarily be a review of I’m then to embed one link code within the finished post. I next put the new post in the category: loans, payday, cash, business or any related category. I will be paid $5.00 dollars via Paypal. (That’s enough for a large tea and a bagel. Lucky me!)

Sorry, but if you want to include a link on my blog it’s going to cost you more than $5.00.

Now, let me tell you oh faithful readers that there are a lot of engaging blogs in the blogosphere. Elmer has surfed by a great deal of blogs and found them so engaging that he spammed their comment form with his invite of blog advertising from

A Google search revealed that Elmer has been one busy fellow. Now the question is: Who is Elmer? Who in fact is

I called the toll-free number listed on the website. An operator named Kia answered Fastcash. What? I said, “Is this not Pacificadvance?” She replied that it was. I asked her if it was practice of the company that she was employed with to send out spam. She informed me that if I received an email from “Pacific Advance” then I must have filled out a form for a loan. I never filled out any forms. I’m in Canada here.

I asked to speak to a supervisor and was transferred to one. Opps, first I was put on hold for some time.

I spoke to a supervisor who told me that they were not Pacific Advance.Com that they were E Secure Processing, Inc. (

When I asked her how she could explain the website, she told me that it was a website that advertised Secure Processing by including a link on their website. (Perhaps their processor is

When I called back an operator informed me that their website was I told her that I got their toll free number off of She informed me that their website could be accessed through various domain names. ( By the way the toll free number 888-310-3278 is listed as a suspicious number on the web.)

Now, we are getting somewhere.

Interesting! So, I did a domain whois lookup on both domains.

Pacific Advance.Com, Inc. domain registrant address is Manhattan Beach, CA. domain registrant address is Reno, NV.

Hmm! So does, Elmer work for

Is a legit company?

Camelsbackandforth has a post from 2008 about Pacific Advance.Com, Inc. (Read How stupid do you think I am?) He is obviously much wiser than Elmer!

Looks like Elmer has been working with Pacific Advance.Com for some time.

If you’ve advertised for Pacific Advance.Com, please contact me. I’m interested in knowing who paid you for your post.

Sadly, there has been a noticeable increase in spam advertising websites such as spamming and taking advantage of bloggers with their invitation to advertise for pennies.

I know that as bloggers we are all too eager to make money from our blogs, but please do your homework. If you want to make some money from your blog then stick a donate button on there. Your faithful readers will buy you a cup of coffee just for being charming. (Feel free to buy me coffee!)

If you’re ok with making a (150) word post and sticking a link in it for a website such as, then I guess you’ve just wasted minutes of your day by reading this.

Do you think Payday loan sites are legit?

There are so many payday loan sites on the Internet. I know that I wouldn’t feel confident enough taking a loan from an online website, especially one that advertises through various domain names.

According to an articled published in the Washington Post by Annys Shin, “Consumer protection agencies such as the Federal Trade Commission, the Better Business Bureau and the National Association of Attorneys General received nearly 14,000 complaints about advance-fee loan and credit-protection scams in 2005 alone.” (See………. Convincing Web Sites Aid Rise in Loan Scams.)

Please be careful out there. The old saying is if it sounds too good to be true, it probably is.

If you’ve had a bad experience with an advance-fee loan scam, report it to the FTC. Visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357)

Ps: Elmer there are over 795 words in this post and you can keep your five bucks. This one is on me dear.

If you liked this post, why not buy me a coffee?

Rose wears many hats. She's a wife, mother, respite worker, proud shih-tzu owner, blogger, published poet, freelance writer, as well as the owner and administrator of Today's Writing Community and Blogger Talk Blogging Community. Feel free to contact her with any questions you may have.Rose DesRochers has 1019 post(s) at Rose DesRochers – World Outside My Window

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11 responses so far ↓

  • Mike Goad
    Wrote: Mar 17, 2009 at 7:14 pm

    Pay day loan outfits are not though very highly of by the state of Arkansas. In fact, the Attorney General ordered ALL of them closed.

    Generally, these companies profit excessively by taking advantage of people who live paycheck to paycheck.

    Even if the ad were legit, I would not post an ad for pay day loans on my blog!

  • baileesmom
    Wrote: Mar 17, 2009 at 9:50 pm

    Sock it to them Rose. Most payday loans are a pain in the rear-even the legit ones. I speak from volumes of

  • Rose DesRochers
    Wrote: Mar 17, 2009 at 10:03 pm

    Thanks guys!

    Elmer has been quite the busy little spammer. There are 477 results on Yahoo alone for blogs that he has spammed.

  • Ching Ya
    Wrote: Mar 18, 2009 at 9:17 pm

    Nope, pay day loans not my cup of tea either. I’m always sceptic about these sort of ads. Luckily you did some digging first, not worth to spoil the image for merely $5.. or even a good sum of money.

  • Erin
    Wrote: Mar 20, 2009 at 2:39 am

    Way to go Rose! I admire the way you researched this company before jumping onto the boat. Most people out in this economy would jump at a chance to make money by keeping up a blog, or doing anything else they love. This guy really sounds like a piece of work.

  • AngelBaby
    Wrote: Mar 22, 2009 at 1:20 pm

    Thank you so much for this information. It is so easy to fall prey to these people. I have been lucky to have a brother who has been blogging for some time and I just send this infor to him. He checks it out for me so I have not been scammed yet, thank God! Now I will know how to do this myself thanks to your post. Thank you again.

    Love and Blessings,

  • Beth
    Wrote: Mar 22, 2009 at 4:31 pm

    Give ’em hell, Rose!

  • Michelle
    Wrote: Mar 30, 2009 at 4:45 am

    Great post. There are loads of these “get cash now” website lenders popping up here in Australia too… exorbitant interest rates, preying on people who are down already. Not nice.
    I’m debating ditching the few ads I have on my site now… it isn’t about making money, not that they are making me any – and I think they just look ugly!!

  • Allan
    Wrote: Apr 7, 2009 at 9:47 pm

    Nice work and sound advice! Thanks for the the link to ‘How Stupid…’
    I’d forgotten about Elmer, hahah!

    It’s been my experience that ALL unsolicited Internet “opportunities” are scams . The best way to make money blogging is to post from work while you are on the clock. Don’t let the boss catch you, though!

  • allan
    Wrote: Jun 23, 2009 at 2:03 pm

    Nicely done and thanks for the props! I have also noticed a huge spike in on-line scams , it’s a sort of barometer for socioeconomic pressures…in any case, it’s good to point these things out. Keep up the good work!

  • Howard Wall
    Wrote: Jul 17, 2009 at 6:47 am

    Unfortunately, Rose, I fell prey to this scam from or .com or whatever else they use. Your in depth research on this group is amazingly well done and well documented through your phone calls, web research, etc.

    I am a retired social security recipient on disability with a net income of $1,040 monthly. I received an email promising a overnight loan and like a bozo I gave all of my banking information. I am a retired consultant and well versed (obviously not well enough) in Internet scams. My situation is that I needed an immediate loan for an emergency and this is what I got.

    Yesterday this company debited my account at the Bank of America for $99.00 which was not authorized and as soon as the bank is open this morning I intend to report them to the fraud department at the bank. I intend to have this money refunded to me by the bank as is their obligation for fraudulent actions. The bank has always been more than helpful to me in my long time relationship.

    I also phoned the number listed on this debit to my account: 888-735-2757 and, of course, got their voice mail stating to call back during regular office hours of 9 to 5 PST. I intend to do this also because the bank will ask if I have contacted the company responsible for the debit and tried to resolve this matter with them before requesting the bank to reverse this debit. I also sent them an email which I will copy to you at your email address if possible.

    In this tough recession where many people including senior citizens living on Social Security these vultures are all over the web promising to enable you to use your Social Security benefits to qualify for an overnight loan.

    I have no intention of closing my account or changing my account number that I use in so many of my transactions that are all above board. If I receive another debit, I will repeat this process.

    Through all of my google efforts you have provided the most comprehensive information enabling people like me who have been duped to have the necessary FTC contacts, the domain owners and more to move forward.

    Please use this anyway you care to, Rose. I would like more information on your blog and if you feel I have anything to offer I would be happy to write a blog report on this corrupt industry and no $5.00 would be accepted. Your information is worth at least the $99 I intend to have reversed as soon as the B of A opens at 9 a.m. PST.

    Thanks, again, Rose and please continue to be an advocate for consumer’s like me who have been duped and cannot afford to lose the little money I live on. I once lived in a million dollar home and had a thriving business. My life now reads like a Dateline NBC story of how you can lose it all. I am not a victim; I am definitely a survivor and I can live on SS and other income I can create in this difficult time. At 66, I have many more good years of making money; I just have to proceed in other creative avenues.

    Howard E. Wall