December 26, 2007 - Scotia Capital Investment - I filled out a loan application online at their website (which appears to be gone at this time). I was then contacted by a loan rep named McKenzie. She told me that I was approved for a loan in the amount of $5000.00. I really did not want to take a loan out for that large of an amount but she said that was the minimum amount that they loaned. I was very happy that I was approved for this loan; it would make for a happy Christmas for my family of five and pay for some dental work that my son needs to have done.

McKenzie told me that because of my poor credit I would need to send Scotia Capital Investment $890.00 to cover the 4 months of my payments (security for them). She told me as soon as I wired it to them I would receive my $5000.00 directly transferred into my checking account.

I immediately wired the $890.00 dollars (it was all I had) expecting to receive $5000.00 1 hr later. Well 5hrs passed and I was still waiting for my loan. I called the company the next day to inform them that I have been checking my checking account and the 5000.00 has not been transferred. They told me that the reason they had not wired my money was because they further reviewed my credit and need me to send an additional $499.00 for insurance once they received the $499.00 the $5000.00 will be wired to my checking account.My credit is not that poor, I mean really!

That's when I knew I had fallen into a scam, I told them I did not want the loan and would like a full refund ASAP. Every time I call to inquire where is my refund? they are very rude and hang up on me. One man made is voice sound like a monster from a horror film and said 'is this that devil girl that keeps calling wanting refund?. I knew I was dealing with people that are immoral and criminal minded. He was trying to frighten me and he did. This is a terrible fraud that these folks are running. And I pray that they are caught before they take from any other families.

December 11, 2007 - Citizen Financial - The company I was dealing with is Citizen Financial. Jamie Clark was the rep. We didn't send the money but was standing in Wal-mart money gram with the money in hand. I am in school and have been turned down at least 4 times for personal loan. When I got the phone call that I had been pre approved for 15K of course I was willing to do whatever to get the loan. The contract was sent to us via fax and my husband and I talked to "Jamie" a couple of time throughout the week. On Thursday Jamie gave us Monica Gibbson in Cananda to wire the 1,500.00 to for an insurance policy. The 1,500 was the first 12 payments for the 15K loan. The remaining amount would be less the initial deposit. This "company" is in NJ. They are not listed in BBB nor Secretary of State of NJ. Admin notes: Likely a scammer's use of a legitimate company name.

December 7, 2007 - Triamerica Financial Trust - They scammed me out of 577.oo dollars calling it inusrance for a 6500 loan then told me that my loan was all of a sudden denied. I am a single mother and they took all of my money, now my daughter will have no xmas. It is desperate times and I really needed help, I thought things were going to be okay but I was scammed. I don't know how thaose people sleep at night.

December 3, 2007 - Saxtonfinancial.com - I have been scamed by saxtonfinancial.com 1866-448-8567. By Henry Eagles. I usually don't pay money upfront, but I was completely desperate. Being desperate makes one do risky things. They didn't get any more $ out of me than the intinal fee.

November 22, 2007 - Hoffmann & Steinbeck Lending Inc - I was reading your loan scam article and thought I should inform you that there is a company who's website is still up and running. I had applied with them and they said that I was qualified if I sent an deposit for an insurance preimium of 500.00. So I sent it to them, and never recieved the money. After calling numerous times I finally got through to the "loan agent" and he said that there system was down, and that they sent the check in the mail and should be here with in five business days. Well, I never recieved the check, and now the number is temporarily out of service. The website and e-mail address is still active, and the phone and fax number is still on it. So I wanted to let know that the company is Hoffmann & Steinbeck Lending Inc. also known as h&slendinginc, and the phone number was 877-267-2051, and the representitive was Curtis Nelson. I will also be reporting this to all of the agencies you had listed. I have already reported it to the Better Business Bureau. So hopefully with you help this will be stopped,and they will be shut down. If you need anymore information please feel free to contact me.

November 21, 2007 - American Finanical - I was contacted about an approval for a loan of $4,000 from a company calling themselves American Finanical. I was told to send $547.50 for an insurance policy for the loan. I called the lady by the name of Danielle Wilson and told her that I was only able to send half of that, she told me that would be ok and told me to send it to an Eric Potter in Canada. I told a friend and she told me to research the company before I sent out the money; I did and found nothing wrong. Well once I sent that money it took me about a week before I could get in touch with the young lady to inquire about when I was going to receive the funds (because I was going on vacation and that's what the money was for). I Never received the loan lost $547.50 because I was told to send the rest when I finally got in touch with someone. Never going to do that again.

November 18, 2007 - Torcorp Financial - Two weeks before the Thanksgiving Holiday, my husband and I applied for a load thru "Torcorp Financial". I thought I had done all of the appropriate checking and double checking on this company. I didn't have the greatest feeling about this company, but my husband had talked to a loan processor, David Roswell, out of Toronto, Ontario, Canada. He said he felt really good about the guy, and the communications they had exchanged. My husband and I are pretty desperate right now ans since I hadn't found any negative info on this company, I told him to do what he thought was best. Mr. Roswell sent all the appropriate paperwork, but I still didn't feel good about the deal. My husband was asked to send $. Big red flag. I told him not to do anything until we get more info. He said he talked to Mr. Roswell about the person we were sending the $ to. A Travis Zachary, also of Toronto, Ontario. My husband was told that Mr. Zachary was a licensed and bonded securities field officer. (There's a new one). Mr. Roswell still said we would get our money in 2 days. Well it's almost 2 weeks, and low and behold, their voice mailboxes are full, and they are not returning emails or faxes. Yes, we got %*@&. I still haven't heard back from the BBB, and are going to the FTC, and FBI!!!!!!!!!!!!! Stick to your gut!!

November 15, 2007 - Absolute Solutions - The same as above is happening to me. I am so glad I saw this site. I was going to send $1200 via Westnern Union tomorrow for a $13,000 loan. They company was Absolute Solutions, the phone number is 1-888-862-0259. I too was going to borrow the original $1200 to send to them in order to get free of credit card debt. This is so awful, so many innocent people are being scammed. Even though we know in our hearts it sounds "too good to be true," we get desperate and think it is. I am so glad I found this site. Tomorrow (Nov. 15, 2007) I would have done this.

November 8, 2007 - AMC Credit Corp., or America Credit Corp - I believe that I was almost scammed by a company called AMC Credit Corp., or America Credit Corp.Their phone number is 877-977-0023, which is untraceable. All of their emails are untraceable, and their physical address is not on file with the U.S.P.S. They asked me to wire a "Collateral Payment" equal to four months loan payments, to an individual, not a company, in Alberta, Canada. I was very lucky that the Western Union location that I went to was aware of such scams and basically refused to send the wire for me because they felt that this was a scam. So I went home and did a bunch of online research, and every red flag that they named applied to the situation that I was involved in. I can't believe how close I came to losing over $1,000.00, some of which I had to borrow from a family member

October 31, 2007 - Wellington Financial Solutions - I was scam by a company claiming to be "Wellington Financial Solutions". I recieved a call from Nadia Drake. She informed me that I was approved for a loan of 10,000, but I neeeded to send 10% for collateral insurance. She stated that another agent was handling the case and had mess up so all I had to send was 500.00 and the money would be wired in my account by noon. I did that, then she call me back and said they put a hold on the money through money gram to call and get it released. So I called and got it released and still no money. On Monday September 17, 2007 I called and she was not avaiable. I left a message and still no call back. Nadia called me on Tuesday and stated the company wanted all the money which meant me coming up with another 500 dollars. I told her ok she would have to wait until I get paid on that Friday. On that Friday when I tried to reach her before sending the money no one every answer the phone (866)803-9778. Being upset I called and left a message that the BBB will be investing them for fradulent business. Now the number is no longer working. I lost my money. Don't lose your's to these scam artists. Admin notes: Don't confuse company name with similar names of legitimate businesses. Scammers like to do this.

October 31, 2007 - A comment back about a company Qualityonelenders.com. I was also almost scammed by this company and also a friend of mine. we also had raised questions about this company sending them money for a loan? They wanted 10% of the loan amount for a "security blanket". I also contacted the dept. of Banking and the BBB and nobody has heard of this company. I talked to a Kim Wilmont who said she was based in Buffalo, New York and that they had companies based all over. My first loan agents name was a Alyssa Sampson and when I had asked Kim Wilmont where this Alyssa was she told me she was out having her second child. My friend's agent was a Victoria Williams....I also checked on addresses and one was found in Florida also a appt. building and then when they sent me a fax it had an address on it 105 Royal Rouge Trail. Toronto Ontario also looked up this address it's a residential address under the name of Jessica Anderson, with a business called Good Life Photos. The number I got was the same 1-800-641-9217 ext 22 for Kim Wilmont. and ext 301 for Alyssa Sampson and my friends agents ext. was 216. PLEASE PEOPLE BEWARE OF THIS COMPANY!!!! I HAVE THE FTC (FEDERAL TRADE COMMISSION) WORKING ON THIS SCAM. Admin notes: The qualityonelenders domain was just registered in late September 2007 (a month ago) and for only one year. That is a sign of it's fly-by-night intent. Also, the loan form is not secured by SSL technology. You can tell this by looking in the address bar at the top of the browser and you will not see 'https' (with an 's'). These are all bad signs.

October 29, 2007 - Dynamic Financial Trust - I was contacted by Dynamic Financial Trust out of Chicago, IL. They stated I was approved for a loan 200,000.00. But I needed to summit 4677.98, then I had to send 2330.00, then 1688.97. Still after all that I was asked to send more. I refused and demanded a refund. Loan officer Larry Tucker stated I would receive a certified check via federal express in three to six weeks. I have reported them to FTC and BBB. I hope no one else gets scamed by these crooks.

October 29, 2007 - My daughter got an email about scams after me having done the most unthinkable. Being in a desperate financial situation, I went onto creditservices.com that prompted me to different areas; so I proceeded to go to loans and from there I went to bad credit loans and dialed 877-267-9920. This is to be the application number where the person on the other end just says hello. So on October 11th I gave the man the little info needed and he asked me what loan amount did I want and I said $2500.00 and he asked monthly how much could I pay back and I said $50-$100. He then told me that someone would be calling me back in 48hrs sometime on Monday Oct 15th.

Monday passed and I didn’t hear from anyone, Tuesday passed and I didn’t hear from anyone. Wednesday I called and repeated what was told me that I had not heard from anyone…he says let me pull your file…he said I had been pre-approved for the loan and my financial representative was Linda Bassett and he would give her the message to call and we could discuss whatever documents needed. Thursday I called again and spoke with a young lady telling her what had taken place. She told me there was record of me having applied for a loan but she shows that the application was transferred but not received, that is looked to be lost in transit. She needed to check w/her supervisor instructions on what steps to take and call me back. I had to call her back and she said that she would see to it that there was no delay, it was approved immediately but I had to fill out the application again. She asked what loan amount I wanted… I told her I was pre-approved for $2500.00. She told the minimum was $5000.00 that no one there would have done so unless new…I said ok lets go for the $5000.00. I was asked monthly what I could afford, I told her $100.00. She continued by saying my financial representative this time was Nadia Drake and she gave me her direct number 877-704-5372 (Financial Enterprises) but she had not set up her voice mailbox so I could not leave a message.

So now I’m frustrated and saying I should give this up but I needed the money. Friday I gave it a rest and called back on Monday. I kept calling Nadia but unable to leave a message so I called the main number 877-267-9920 and repeated my experience of over 1 week to a Steve Thomas claiming to be a supervisor who was apologetic and he could make things happen more expeditious. Wednesday my daughter received a call for me from a Brenda Goodwin (Financial Enterprises) asking that I call her about the loan. I called her 877-297-4977 and she told me I was approved for the loan. 7.5% interest rate. $123.68 monthly over a 4yr period and I would have to pay and insurance fee refundable when the loan is paid off of $600.00. I told her I didn’t have the money at the time but I would see if I could get it so she faxed me documents showing what we had discussed. So I borrowed the money and I called her Thursday; she told me how to wire the money Western Union and to a Susan White in Ontario Canada and that she didn’t have ID and I had to have a test question and answer…I’m a little leery but desperate. They called me about 4:17 to say it to be urgent I returned the call only to find out that the test question was placed by Publix where they could pick up the money. I called Publix told them what happened and it was corrected…I called Brenda back and I was told I should have the money by tomorrow…

I called back on Friday to report that there was no money in my account what time was it to be expected it…Brenda told me 6pm the latest but hopefully earlier around 4pm…

I called Brenda @4:20 to report there was no money in my acct but she was not available so I called Nadia who asked to let her look into it and she would call me back…she didn’t and I left for the evening upset. I called around 5:45 and was told by Michelle that she would pull my file and see what was going on only to say she showed partial payment; that I owed $200.00 more. I was ballistic, postal because I’ve borrowed money to get money and in a deeper hole than before…Michelle told me Brenda must have made an error she didn’t know for sure but she needed to check w/the lender David White, I told her my lender’s name was Susan White. Now I’m crying…she said to expect the money Saturday morning. Still crying, praying, frustrated I called again to Nadia @7pm she says there to be a mistake that the money was late processing into my account that it would be Monday, that I could call back on Saturday and tell whomever that she said it to be processed for Monday; today I have still not received any money in my account not only that I have not been able to reach Nadia or Brenda.

October 28, 2007 - Fidelity Fiancial Credit Services - I was a victom of loan fraud as well. I lost $2000. For a personal loan for $10,000. The so called company was Fidelity Fiancial Credit Services. The phone number 1-877-892-8309 is still active. I hope they capture these people, its the children who usually suffer from these crooks.

October 24, 2007 - Fargo Credit and Financial Resources - I was contacted today by a lady name Gail and she said she works with Fargo Credit and Financial Resources. Told me I was approved for $15000 and all I needed to send them first was $2250 for insurance. Luckily I found this site first because it sounds just like all the other stories I have read here so far. Here is the number she gave me to call her back 866-786-4960. They had a website listed on there fargocreditandfr.com which I checked on godaddy and it was also created like a week ago. So beware guys. Admin notes: Very smart to check registration data.

October 23, 2007 - PRIME TRUST SOLUTIONS HAS BEEN BUSY. I just got scamed by them also. Told me to send $1080.00 by money gram and they would deposit $7000.00 in my bank account. after a FEW hours they called back and told me I needed an additional $1080.00 do to poor credit history, so I sent it. I was blind and did not know much about scams or how to check on them. Now Im out 2200.00 and in a bad spot financially. These people need to be taken down.

October 17, 2007 - Thanks to your site and doing a lot of research. I was almost a victim of a loan scam. I was told I was approved for a personal loan for $8000.00-$15,000.00, but need to send 10% of the loan amount requested as insurance. This did not set well with me, so I started to ask a lot of questions. The young lady which name is Kimberly Willmont started to get upset with me, which made me even more suspicious. I asked why would I send money before receiving and final loan paperwork or information regarding where to make monthly payments. This company has a wesite qualityonelenders.com, but there is no information about this company anywhere. They claim to be in Florida, but found out the address they have on there website is an apartment building number. Kimberly told me she was based in North Carolina, but I was able to detect a Canadian accent. There number is 800-641-9217 ext.22, but rarely pick up.This is a still working number. The paperwork that was sent to me with the loan amount looked suspicious and have numerous typos. I just wonder how many people fell for this scam.

October 16, 2007 - Thank you Direct Lending Solutions for for your informative website!... It appears you've saved me from an upcoming disaster. On 18 Oct. 2007 I was going to finalize a loan by sending a 3 month Insurance Deposit of $685.26 for approval of a $5000 loan.

I asked the representative why am I sending money to your company when the purpose of my request is to obtain a loan to extinguish my current debt? The answer received from rep. was, "We've lost money in the past from customers... paying the loan's insurance money will protect you as well as us" in case of... Loss of your job... Illness... or Death... This will enable the loan to be paid-off in such an event".

I'm glad I visited this website and read the quite familiar stories of others. They gave me a 7 day deadline to submit paperwork & fee. I just called them a few minutes ago, left a voicemail message to inform my cancellation of completing the application, thanked them as well.

Below is the loan company along with contact representative:

Senior Consultant Financial Representative: Linda McGuire
Omni Lending Group 1078 Route 112 Suite 267 Port Jefferson Station, New York 11776

P.S. (I could not find Omni Lending Group anywhere via internet)

Admin Notes: You are right, there is no information related to any company using the name of Omni Lending Group on the web as of yet, but thanks to your email to us there will be now. The scammers come up with new fly-by-night company names that they can dispose of after they scam a few people, and this is apparently a new one. I am glad you found our site before sending them any money. Your experience with having to leave a voicemail is not uncommon. The scammers tend to avoid answering their phones.

October 16, 2007 - I was scammed by Fidelity Financial Credit Services their number is 877-892-8309.

October 15, 2007 - I was scammed by the Second Chance Grp, also known as Superior Financial Grp.888-803-4528. The phone number is still active. I have the contracts that they sent me. These con artist have my ss# and my bank acct info. I sent $4200 and I received nothing. I have called and they will not reply. I have also faxed letters letting them know I have reported them to the proper authorities and still nothing. I should have known better, but now I am faced with bills and the resposibilty of taking care of my family with no money. All I wanted was a debt consolidation loan. The loan was for $20,000. The upfront fees were suppose to be for insurance. I got played and now I am broke.

October 14, 2007 - I too was contacted by PrimeTrust Soultions. I have an "official" looking "loan agreement" that was faxed to me for which I would be loaned $10000 after I submit by first 5 monthly payments for a total of $1195. This company is too located in Allen Park, MI, 2500 Enterprise Drive to be exact (at least according to the BBB, their website and loan agreement).

October 12, 2007 - North Rock Lending - I am a victim of this company. They said i was approved for a loan and I sent in $800.00 and then they wanted more.

October 2, 2007 - There is a "SCAM COMPANY" out of Regal Park NY doing business under the fictious name of Warick Capitol. I too was conned into sending money for a loan that I had been promised was fully funded, I just needed to set up an "insurance account" because of my current credit status. Once the company got my "deposit" I did not get my loan. I was told that I need to deposit more money in order to get the loan funded. I asked immediately to have the money that I already sent in refunded to me. To no avail, the money was never sent back, and I tried contact the company at the number I was given everyday for over 2 months. On August 13, I tried calling again, but the phone number was no longer in service. I am cuurrently working with the BBB of New York to try and locate this scam network and possibly get my money refunded. Admin notes: We haven't heard of anyone getting their money back. The scammers are long gone with your money, and hide behind these fake organizations and phoney addresses.

October 1, 2007 - "Prime Trust Solutions" wanted $990 upfront by moneygram then they would give me $10,000.00. They are not members of the BBB and the office location that they wish for you to send the payment is a empty warehouse. They are located in Michigan, in Allen Park. I called the county and they said that the building is an abadoned warehouse!! Do NOT get Fooled!! I was lucky and didn't send them money.

September 21, 2007 - I was scammed by a Mr. Jackson/Mr. Victor from Nigeria with sending them funds for a $20,000.00 loan, which never took place. Mr. Jackson tells me he took the money but because his secreatry Mr. Victor absconded with the money I need to send him another $600.00 for the loan. Be aware he preys on people by using the name of God as a man of honor. Admin notes: We advise that you not send money to Nigeria, or to anyone who calls himself God.

September 16, 2007 - I sent 1040.00 to Greatwell Financial Resources in Toronto for "insurance" for a 7000.00 loan. I wish I had done more research to know that it was bogus. Their website and phone numbers are still active be careful don't send these scumbags your money!!

September 6, 2007 - I have a real bad feeling about a 'loan company' by the name 'Corner Stone Investments' a girl there by the name Nicole Tompson would continue to call me everyday telling me that I have been approved for a loan.Finally I said ok where should I send the money.(They needed 1600 dollars up front).So she said hang on I'll call you back in 10 minutes.Well she called me back telling me to go to Wallmart and send a money gram to a guy in Canada and that they would reimburse the fee.

Well all kinds of red flags went up for me. And she also seemed very concerned that I wanted the money sent by a currier and not direct deposited, Because she even asked are you sure because if you just give me your checking account number you will get it a lot faster. I said NO THANKS! However, I am upset with myself because she does have a copy of my Driver License, paystub and social security number. Admin notes: If someone has your driver's license and SSN, consider getting a new license and signing up for services at www.lifelock.com to help protect you against identity theft. Indidentally, there are real organizations that work under the name of "Cornerstone Investments". So, be aware that scammers may try to use their good name. Be sure to do your homework and never wire anyone money (or send anyone cash) ahead of any financial service.

August 26, 2007 - I applied for a loan on line; a lady by the name of Donna White called me at work saying she was with a company called ELoan. She said that a loan in the amount of $5,000 had been approved and in order for the loan to be funded, I would need to send in $770.00 either by Western Union or MoneyGram. She told me to wire the money to Mashida Kone, Brampton, Ontario, Canada. She also said the fees to wire the money would be refunded. In looking over the loan documents she sent me, it looked like a Word document. Not real loan papers. And I thought it was odd to send monies to Canada when this company was supposedly from California. Yes, I needed a loan, but I would be worse off if I had sent the $770.00. Admin notes: Of course E-Loan is a legitimate lending organziation. However, the people you spoke with are using E-Loan's good name to hide their scam. Beware that scammers do this frequently. The Real E-Loan will not tell you to wire money to them ahead of services. Congratulations for following your instincts and not sending the money!

August 11, 2007 - We belive we have been scammed by a company calling themselves, "Hartford Lending", after getting a call saying we were approved for a $5000.00 loan, but we had to pay $800.00 up front and we would receive the loan next bussiness day. Well next day no money as they would need another $700.00 from us, for insurance purposes. We didn't have that so we didn't send it. They said they would give us a refund the end of July,and now they keep giving us the runaround on which day its coming in the mail to us. All they say every time i taik to them now is your money is on the way and hang on me. i have a wife and two kids and we can't pay some of our bills and we are very upset how these bastards get away with this. They are ripping people of who are just trying to get ahead, and they should be put away for along time. As the saying goes " what goes around comes around." Please let me know who else i can report this scam too. have already reported it to BBB, but I want to know who else i can go to. We want these people to pay for what they did. Thank You. Admin notes: We are looking to see if there is a legitimate Hartford Lending, that may also be a victim of these scammers (using their good name illegally). Anyone who knows, please contact us. The basic principal applies...don't wire anyone money, regardless of who they say they are with. These scammers have been known to use big names, like Countrywide. So be smart.

August 8, 2007 - I wanted to let you know that I was contacted by a company named 'Credit Solutions' to let me know that I was approved for a loan of 8000, but I needed to send them $750 by money gram to pay for insurance. I of course did not send them any money plus I tried calling during their non-working hours and the same person answered. There number is 1-800-263-4814 and the person's name is Jason Matthews. He now also has my social security number, which I am afraid that he might try to use. According to the paperwork they sent they are located at 1280 finch ave. west suite 411 Toronto ON, M3j 3K6. Admin notes: To set the record straight here, the scammer is illegally using the name of a LEGITIMATE company to hide their operation. The REAL Credit Solutions has a great record, and is based in Dallas, TX, not Canada. Just remember that anyone requesting moneygrams or Western Union wires upfront are bogus.

July 31, 2007 - I was to scammed by a loan co. called Tripar Financial for $5,000 the same way you are all reporting by sending collateral paying a few months of payment up front for insurance sent to Canada. The person i spoke with was Rachel Hobbs. They assured me I would be able to get my money back for any reason, but it would take 15 to 30 days. Then of course the number started rolling over to voice mail and would just say thank you good bye. Now the number 866-899-1451 in New York is on hold until they contact their provider. I have reported it to the BBB the ic-3.gov i reaserched the number further and found out yesterday the number and address in new york is either now or was register to Altimax Financial looks to me as if they are the same people just hoping around areas and scamming unexpecting people like ourselves. I have never received my money back, but i have been looking to see if i can find them set up under another name good luck to you all.

July 25, 2007 - I have been scammed by a company for over 1400 dollars and now I'm paying for it in a bad way. Here is the letter I received:

Admin Notes: This is another example of the scammers using a name similar to that of a legitimate company to hide their operation. "Vangaurd Financial Corporation" is not related to the REAL Vangaurd Group, and Vanguard will NOT email you or call out of the blue you to offer you a loan.

July 20, 2007 - I believe to have been conned by the business know as ALTIMAX FINANCIAL, supposedly doing business out of Atlanta, GA. How suprised I was by finding out that I was 'approved' for a $5000.00 loan. I called the number (888.690.9865) was spoke to a 'Todd Stover' (ext 4617) and he said in order to 'secure' the loan I had to Western Union $800.00(16% collateral) to them. Would you believe I even asked people I had no business asking to secure this payment. I was then told to wire the money to 'Shawn Barnett' in Northyork Ontaria Canada. After that I was promised by Mr. Stover that the money plus the WU fee would be in my account the following Monday, Of course it wasn't. I called their customer service to find out that they need another 16% to cover the insurance policy(for high riskers like myself). Again I wired(second time) to the same 'Shawn Barnett'. I must have been dumb as h--- because I waa awaiting for the money to come in, after calling numerous times, 'Russ' the CS supervisor offered to overnight the check (which I blindly agreed). Another Monday came (no check) I called and came to find out that they needed (for whatever reason) another $200.00 for release. I requested a refund(we're at 1734.00 plus $200) and to this date no sign of refund. I called both CS and Mr. Stover's ext and they divert to the message machine. I do a WHOIS on the fake a-- website and it comes up private, which the domain guy says requires a COURT ORDER. Still, I aim to get these guys! NO MATTER HOW LONG IT TAKES!

July 19, 2007 - I received an e-mail from Bill Daily of Canadian Loan Group advising that I had been approved for a $30,000 personal loan. However, I wuold be required to forward by Western Union a $3,000 surety payment in advance of receiving the loan. He said once they receive the $3,000, they would direct deposit the $30,000 to my bank. When I asked Mr. Daily where they were located, he said 145 King Street. When I asked him if that was King Street East or West and the suite number and postal code, he put me on hold and we got "disconnected". I looked up Canadian Loan Group in the Canadian white and yellow pages directory and there is no listing for this company. BEWARE. They are scammers. The phone number they are using is (416) 236-4944.

July 15, 2007 - I was sent a letter with a check in it for the amount of $4,992.00 for taxes from the amount i had won of $262.000 in a lottery. The lottery check seen so real that i took it to the bank and in less than 24 hour it was available to use. From that advance i eas to send some tax mony to a Debbie Lovette in ajax, canada. Everything was a scam my account was clear by this person an a cindy hayes with the number of 705-770-0755 don't be full just bring the check to the authorities and have these person thrown in jail. Admin notes: Beware that scams span far beyond loan scams. The scammers also use lotteries and other phoney means to get you to overnight or wire money to them quickly. Just don't do it.

July 13, 2007 - Nearly got scammed, but dodged a bullet well before I read this website, fortunately. Pacific Financial advertised in a major local paper offering loans foir those with bad credit. After a 20 min. conversation, my alarm bells rang off the hook with the request I create a "moneygram" for "default insurance". Unfortunately, the only info he got ( named Mike Howard as a contact) was the last 3 of my Sin #, my address and full name. I'll be alerting my credit bureau's for a fraud alert. I also called the BBB, with no info on this company, so I tried Alberta Services, again no info, and lastly phonebusters who confirmed with me immediately it was a scam.

It's illegal in Canada to pay money upfront for a loan of any kind, and no legit institution will ask for a western union or moneygram as they will steal your money simply with the reference number you provide.Valuable lesson learned and feel very fortunate to have avoided these bottom feeders.Hope the law nails them eventually!!

July 12, 2007 - My son received a phone call from "Levitate Financial Group". They were offering to help him improve his credit by offering him a 15,000 loan. He was later told he needed 900 for insurance. They only gave him information when he asked for it. (What the name of the bank was, where they were, how to pay the loan etc.) Today they mailed him a contract when he asked about signing a loan agreement. Then they told him to send the $900 to a woman in Albert, Canada (that she was actually a private wealthy woman who helps people restore their credit by giving them low interest loans). So, I did some checking on google and yahoo and my other son did some checking with a site he belongs to. He found this site. Interestingly enough the phone number he had is the same number given by someone else here for Altimax. I'm grateful to find this information today. He was going to send the money in the morning. Now to see how much personal information they got and start damage control. Admin notes: The number we have been given that "Levitate" is using is 888-233-4610. I am glad that you found the information before he sent the money.

July 11, 2007 - I was a victim of internet fraud and loan scam. As many of the other people said before about requesting random loans on the internet and getting approved for a collateral free loan I was shocked!!! DO NOT TRUST ALTIMAX FINANCIAL. I was amazed that I was approved for $60,000, I was desperate and almost cried from being so happy that someone out there understood about debt consolidation. I received a random call on my cell. I was told to fax over my pay stubs, Bank account info for direct deposit, DL, and Social Sec. Card. Everything was like a typical loan. So I did and received the contract via email, signed and faxed it over. Then I was told for such a high amount I was told to send $3,600 for collateral which would be applied to my loan, so I Western Unioned it to Canada; divided up to two different people Anthony Rolpoll and Randy Blair. I was told that I would receive my money w/in 24 hours. No money. So I called and was told that I would have to pay insurance of $1,650. So again, even though my gut said not to do it. I was so caught up in that fact that I can pay off so much money and do so well for my family.

I used up all my cash advances in my credit card and sent the money once more Western Union. I was then told that I would receive the money w/in 24 hours. No money. So I called the company and asked to speak to the manager; a man by the name of Abraham answered and I asked him where my money was. He told me that Todd the person I was dealing with first told me the wrong amount for the insurance and that I was to send $1,550. He emailed me a contract stating that after I sent this money that I would not owe anymore money and that the 60K loan will be sent direct deposit to my bank account. So instead of paying my mortgage payment I used that money plus more cash advances from another Credit card to pay him. I was sick to my stomach and I chose to ignore all the signs that it was wrong to do this. Besides the fact that I was hiding it from my husband; I wanted to surprise him with lavish gifts for home improvements after I had received the loan. So I western unioned the money and sure enough 24 hours went by and no money. I called Abraham and cried on the phone he sounded like he had somewhat of a little sympathy and told me that I would get a refund the following Thursday.

I called the Monday before and sure enough Abraham acted like he didn't know me. I asked about my money and he yelled at me saying that I’ll get it back in a month and hung up on me. I tried calling back but it goes straight to voicemail. So now I have 2 credit cards that are maxed out, one at 25% interest because of cash advancements, my mortgage check that I sent in the mail will bounce back due to insufficient funds; and I will receive either a late payment and/or return check fee. I am -2,500 in my bank account, and I also have pending bills that I can't pay, as well as my babysitter that can't receive a check for the two weeks she spent watching my 2 y/o. I have no cash available except $50 that I was able to find around my house. I volunteer for charities, support local churches, special Olympics, MDA, and community activates and this is what I get in return.....I am not holding it against anyone but this company but I am disgusted that these people live there lives ruining it for others.

July 2, 2007 - On May 8 2004, I was in desparate need of a loan, I began submitting loan applicatons from various sites. The following day I recieved a phone call from a business called BWP Financial. Not even recalling that I had submitted an application, I was contacted by Ralph Garland stating that my loan had been approved and the process could be as soon as 48 hours, once I submitted a paystub, a utility bill 2 pieces of ID and a deposit of $750. Ignoring the feeling that this is not right I submitted all required information along with $750. It got to the point where I was supposedly speaking with the CEO of BWP Financial, who had issued me a promissory note stating that BWP promises to pay me $15000 CAD in which I was approved for. To this day (July 2 2007) I have not heard from these people and have put myself in greater debt. The number being used was 416-207-9971. They have 3 mailbox addresses with the UPS store. When i spoke to a gentleman that works at the store he said that this company recieves a lot of mail, and the mailbox is emptied daily. I have already sent phonebusters an e-mail, however please advise whether I should get the police to investigate the mailbox. This operation was executed in Toronto, Ont.

June 28, 2007 - I applied for a loan through Altimax Financial. And they wanted me to send $2700 for a $15000 loan. But when they told me I was to send it to some one in Canada I chose to not send it, but I did fax back our personal info to them. Also we applied through the Levitate Financial Group, and was “approved” for $15000 but we had to buy “insurance” on the loan, the people sounded very legit told me to check them out on the BBB to “see for myself”. I send my stuff back, did my research, and found nothing on the BBB site that indicated it was a scam. They then told me to send a money gram to Natorie Mullings who is “on business” in Jamaica, but that she would be our lender. I told them that I will wait for her to come back 1 st before sending any money. Well, they called me today from a number. Dot com hotel pop up on the caller ID from 347-562-2648. And that is not the number I call them previously (888-233-4610). That is how I found out I dodged a bullet again. But they now have my info again. What do I do about that? They can't get too far with my credit or bank account since there is no money. Admin notes: There is no telling what they can do with your personal information. They can try to open new accounts in your name, or sell the information to third party phishers and other scammers. Keep an eye on your credit report and watch for suspicious activity, inquiries, and accounts that are not yours.

June 27, 2007 - I was scammed this very way through a company called Altimax Financial In Atlanta, Ga. I sent them $1800.00 and then they told me that it was not enough, that I was suppoed to send them another $1000.00 to someone called "Dulcie Foster" In New York. They further told me that the bank they were using was out of Canada. I have not got a return on my monies, what can I do. Please help me.

June 22, 2007 - On May 18 I sent a company $750 dollars for a loan. They claimed to be BWP Financial and sent me the paper work for a $10,000 loan. They held me off for 3 weeks, saying that the company was going through a "merger" and all funds have been put on hold. Eventually, on June 12, I was told that I would have the loan sent to me by Western Union, but it never came. Nor did they ever call me back. No e-mail, nothing. I had pawned my computer just to get the money for them and now I cant afford to get it back.

June 13, 2007 - On 4th June, 2007, I used the link on an e-mail offer that promised a loan that same day. I got "approval" from someone claiming to be "United Credit Corporation" in New York, who then asked me to send $700.00 as insurance for a $7500.00 loan. The loan agreement I signed stated the direct deposit option would take 24-48 hours. Then on 5th June, 2007, I sent a payment of $700.00 via Western Union to a person supposedly called “Michael Graham” in Toronto, Canada at the request of the United Credit Union representative, Charles Ferguson.

It has been eight days, but I still do not have a loan. Repeated phone calls to Mr. Ferguson, plus two faxes on 8th and 11th June have yielded nothing. He finally contacted me at the end of the day on 11th June, claiming the lender was processing many requests, thus the delay.

Yesterday, 12th June, however, someone sent me several complaints about them from RipOffReport.Com. I contacted them on 12th June, and spoke to Mr. Ferguson's colleague, Heather, and made it clear that my money is not returned by the end of the day, I would file a criminal complaint. However, they did not respond. Therefore, I filed complaints with my local police, the Better Business Bureau, a government consumer group and the New York Attorney General. These people are the dregs of the earth. I am fairly business and scam savvy, yet they got me. It is my fervent wish that they get everything they deserve, prison included. Their various numbers are (866) 503 4942, (866) 909 1527 and (347) 562 2648. Admin notes: The scammers are possibly using the name of a legitimate company to hide their operation. Please be cautious about emails and cold calls from anyone claiming to be from a particular company.

May 29, 2007 - A company claiming to be American Corporate Services and using the number 866-909-1527 wanted insurance monies upfront. Admin notes: The scammers are probably hiding behind American Express and their "corporate services" image. There are other reports filed at ripoffreports.com.

May 23, 2007 - I was scammed by Prime West Lending Group, who claimed to be out of North Dakota but was actually a scam out of Canada. They have since shut down their website but they have renamed it with the hopes of scamming more people out of thousands of dollars.

May 22, 2007 - I got scamed for $1037.88 from "Performance Financial Services" from a Michelle Turner who promised a $5000.00 loan if i wired 958.88 plus western union fees to a Daniel Cavallini in Ajax Ontario needless to say the loan was no good....When the money did not come she told me i had to wire an additional $700.00 to them to get the loan. I told her i wanted a refund on the first money she said it would be 15 to 30 business days before i could receive money. Still do not know the outcome of that yet but i'm sure i just lost it.

May 22, 2007 - I was desperate for a loan of 5000.00 and found a company in our local newspaper and called them because they help people with credit problems. They faxed me forms and i filled them out then i had to fax them back and Western Union them some money, which i did. I didnt listen to the feeling in my gut or the hairs standing on the back of my neck after I sent them the money. They called me back and requested more money to finalize the transaction. I had no more and told them to give me a refund. This whole process took a few weeks and really seemed real. Thenwhen I called to find out where my refund was, the number was disconnected, and the ad was gone out of the paper. I never told my spouse how stupid i was.

May 18, 2007 - I became a victim through a company named "Kennedy Lending Services" that claimed to be located in Florida. I wired them over $2100.00 to Canada on 3/26/07. They were supposed to deliver me a $15,000.00 loan check within 24 hours via fed-ex. Needless to report that I never received the loan that they told me I was approved for and I am now deeper in debt because, at their urging I went out and borrowed the money that I wired to them. I only wish that I had known about your web site and the scam alert before I became involved with these people. I just wanted to get out debt and buy a car.

May 16, 2007 - Sent anonymously "Foresthilllending.com must be fake, because they sent me to docs and want me to pay $930.00 up front for a $5,000 loan." Admin notes: The domain "foresthilllending.com" was registered in the whois registry on May 5, 2007. It was registered for only 1 year. Not a good sign, especially since the copyright date on the website is 2005. Inconsistencies like that are not a good sign.

May 14, 2007 - I was almost scammed. Thank god I am smart and did some research online before I ever sent money to these assholes. They promised me $400.00 for a $4,000 loan promised in 24 hours, the lady sent me the paperwork via email and wants me to send it back with me id, pay stub and Social Security card, then she would give me the western union info. Funny how when she first called I was jokingly stating are you sure this is real, because you know about those fakes from Nigeria who want all your info then take all your money out, she laughed and said "I am not from Nigeria". I knew it was a suspicious when I called her 888 # and it went straight to a pager, when I asked her about that, she said she gets a million calls a day and cannot answer all of them. She called again today to see where my paperwork is, and what do you know she called from a Canadian #, although she told me the company was in Ohio. Admin notes: Note that the scammers ask for your id and pay stub. Once they have that information, they have your identity. Good job on doing your homework before sending them your money!

May 8, 2007 - A company called "North Point Lending" told to send a moneygram to pay the first four months of a loan that I was "approved" for. I did, then no money. Then they said they needed four more months for the loan so i did. Then no money. They said the bank they had backed out, then they said they had another lender to back the amount that was higher, but I would have to get more money to them.That's when I stopped, and now the phone number is not working to talk to them.

May 4, 2007 - I was told by Becky Morris that I would have to send money in order to secure a loan through your company, but your website states not to ever send anyone money through Western Union for any reason. What should I do? Admin notes: The name "Becky Morris" is also being used with this loan scam. Lately, as mentioned below in some of the other cases, the scammers have been placing OUR name and slogan on their phony documents to hide their operation. Since tracking is more difficult with Western Union, the scammers in Canada (or elsewhere) have your money long and are back in hiding long before you start wondering where your loan is. By that time, you are left with only OUR contact information. Clever, huh? The scammers also use fake names such as "Becky Morris", "Adam Parker", and "Debbie Newman".

May 2, 2007 - Is there a debbie newman that work for your company # 1-866-904-4719? Admin notes: No. This a "fake" name of someone working for the loan scam operation. The 866 number you mention is used frequently with this Canadian Scam.

May 1, 2007 - I received information from a company stating that I had been approved for a $5000 loan, however I had to send a security deposit of $780 before they would release the funds to me. I trusted the lady whom I was in contact with and needless to say, I am now out of $780 + $66 western union fees. I have filed a complaint with the New York BBB, but there has been no resolution to date. I have been evicted from my apartment and am now living out of my office and SUV.

April 25, 2007 - I was contacted by someone, that claimed he worked for DIS,  he advised me that I needed to send in $635.00 by money gram for "insurance" on a unsecured loan for $5000.00.  Lucky I have read went to your web site and realized that it is most likely a scam!!!  Thank you for your information,  it help one person from getting scammed, hopefully this will help others!!! Admin notes: I am glad we were able to help. Spread the word :)

April 22, 2007 - I have came in contact with a "loan specialist" using your company's name and had to send them money to "insure" our loan because it was an unsecured loan, and I have been waiting almost a week now for the loan that I was supposed to be approved for.  Please contact me if you are the company that I am dealing with or if you can help, they wiped our bank account completely dry and we have no money now at all. They said the money was coming from Canada. Admin notes: A loan coming from Canada is a red flag. As mentioned below, the scammers pose as legitimate companies. In this case they are using OUR company name. We will never ask for fees up front, nor will any other legitimate lender.

April 19, 2007 - I think I may have been scammed.  I sent $635 via money gram today for a loan to be deposited into my account and never received it.  All of the info that I received said "Direct Lending Solutions" on it and the loan officer was Mr. Thomas please let me know if you can help me figure this out. Admin notes: The scammer in this case is using our company name. We will NEVER ask you to send money for a loan, nor do we work with any lenders who will. The lesson here is to beware that these scammers could say they are from anywhere.

April 18, 2007 - I have just been scammed by a company named ****. I sent over 800.00 moneygram to Canada.  I was told I was approved for a loan of 4000.00.  I have not seen a cent and they told me my check was in customs in Canada and now they want 300.00 to get it out.  No way will I send them anymore money.  I was scammed.

April 10, 2007 - A company operating under "Wells Financial" scammed me out of $2000. -Anonymous.

April 10, 2007 - I was recently scammed by GA Trust Financial for the sum of 1400 dollars. I have been trying to contact them for the past two weeks to get a refund for my down payment but have not been able to reach them. -Anonymous.

April 8, 2007 - GA Trust Financial scammed me out of money. This story will be on the action 9 news 4/9/07 monday at 6pm. -Anonymous.

April 8, 2007 - i was victim of one of these scams. desperately in need of a loan to consolidate bills and provide financial freedom for myself and my family i got scammed out of $500. they told me i was approved for $12000 but i had to send in $890 for an insurance premium for the lender to be covered. it seemed to make sense at the time they even sent paperwork saying they were with lending tree, the company that i had applied with. being dumb i sent in $500 western union. then thinking that this sounded kind of fishy i contacted lending tree and they have never heard of the people that i was dealing with. they didn't even have an office located were the people were at! so I called back to get my money back and they said they were going to refund it but they only do refunds at the end of the month. i have never heard of a company doing this, so basically i am out $500 and there is nothing i can do about it. what a dumb move on my part.

April 7, 2007 - I received a phone call stating that I was approved for a loan. The loan amount was for $25,000.00. They said that I would need to send a down payment because my credit was somewhat bad. I could understand that because it was somewhat like a security deposit in case I would not be able to make the loan payments. So I sent the money several times by western union. I sent $600.00 on 2/12/07, again by Western Union. The western union fee was $52.00. On 2/16/07 i sent $650.00, with a western union fee of $59.00. On 2/23/07 i sent $1250.00 and the western union fee was $89.00. On 3/1/07 i sent $300.00, and the western union fee was $9.99. On 3/09/07 i sent $175.00, and the western union fee was $33.00. All the western union address was sent to Canada I have all of the receipts for the western union. I also have a contract that was faxed to me. The phone number that I have for them is 1-866-236-7309. it is a recording. i have made several attempts over  the course of a week and no one has called me back. They told me that the money would be in my checking account on 3-12-07. No one has returned my phone call and there is no money in the bank. I hope there is someway that you can help me out. I thank you for your time and consideration -Anonymous

March 29, 2007 - I was recently scammed by GA Trust Financial, a phony company out of Atlanta, GA which promises loans to folks whose credit deems them 'at risk'.  They ask for 10% to secure the loan and they ask you to send it to them via Western Union.  Depending on the loan amount.  I was 'approved' for a $5000 loan and I sent them a Western Union last Tuesday and someone picked it up last night.  I was promised by the 'owner' of this business that first the funds would be deposited either Thurs or Fri of last week and now he said it should have been midnight of last night.  I spoke to this character today and after I accuse of scamming me, he tells me that his company is legit and that I was approved for the loan, I now have to call a customer service number to find out what happened.  I did a search on Google and it seems that others have went through the same thing I am going through now.  I'm giving these folks the benefit of a doubt, and I don't hear from anyone by Thursday, I'm reporting them to Atlanta Police.  Just wanted to share my story with you. -Anonymous

April 11, 2006 - I applied for a loan about 2 months ago. The lending company kept saying they sent my money with the deposits I made since it was unsecured. But then I would tell them I never got it, and they'd tell me that I needed to send them more money for a deposit. It's now been 3 weeks since I've asked for a refund, I was told I would have it last Friday, and haven't received it. So today, I called again. Now they are saying that I have to pay them 500.00 to get my money back which is a total of $1,294.00 that does not include all the fees sent to Western Union. Then I'm told I have to send $500.00 to get my money back, and they can't take it out of my refund.  I don't have a lot of money and can't afford not to get my money back.  This whole thing has seemed like a big hoax, and now I'm out 1,294.00. What is it I'm going to have to do to get my money back? -Anonymous