I need your experience or expertise on this.

Could this plea for insurance before I could get a private loan be fraud? Who have an experience with him before? I told him I do not have up to the insurance fee, I told him the last amount I have in me, he said that I should bring it like that, he had been calling every time that when an I going to pay it up...

After I pay up on `this last dance' with a stranger, could'nt I be in tears?

Please, I need your experience...