I filled out an application online and immediately got an email response saying that I my loan request was approved for $10,000 and to contact my loan advisor Samantha Clair at 1 (888) 445-7810 Ext 107 to finalize the details. I than called and was told that I needed to pay the first 5 months in advance $ 972.45 CDN. I was hesitant at first as the reason I applied was because I was already in debt and short of money. Samantha told me that she could only hold my loan open for 7 days, so to see what I can do. I was able to finally get together some money to make the payment. I signed the contract and sent it back. I then went to Western Union to send the funds which came to $1,028.45 with the transfer fee (which I was told they would pay back). After the payment she said the funds would be in my account in the next 5-10 hours. I waited until the next morning and still no funds. I called Samantha back to inquire and she said she'd look into it and call me back. Then when she did she said that I had to pay the optional insurance even though our initial discussion she said I didn't have too. The insurance was another $1,000 which was impossible for me to do so she said she would issue a refund. I talked to her once more a week later and she said the refund was in process. Now almost 2 weeks later and nothing! The website is now suspended, no one answers the phone and all these reviews are now showing up. I wish I had gone with my gut feeling and not sent that money but I guess lesson learned! It just sucks because now i'm worse than before I applied for the loan because I went into even more debt because of that payment. Please beware! There are a lot more companies out there that ask for collateral money up front before you receive your loan. DO NOT DO IT! I read on Western Union in the warning section that it is illegal to request money for a loan. That should've stopped me but I guess I was so happy that someone finally approved me for a loan and that the money would be really helpful. I guess not. Not i'm a little worried because I sent them my personal information such as driver's license and bank account number. I feel for everyone who fell into this trap and lost money!
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