I applied with Birks Capital because they offered what appeared to be a "too good to be true" financial arrangement which would enable me to consolidate debt, start a business, and make some needed purchases. They asked me to Western Union 950 dollars to insure the loan, stating that I would receive it all back plus the 80 dollars to send it once the loan was paid in full. The money was sent to Calgary, Alberta, Canada. The payments were 156 dollars a month for 6 years. Once I sent the money, I was unable to contact the company and they would not return any of my calls. The gentle man I dealt with said his name was Timothy Vaughn. He said he was located in Cleveland but when I checked the phone service he used, it was in Canada.
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