Stansfield Solutions RIP OFF! SCAM ARTISTS! North York, Ontario, Canada

STAY AWAY FROM THESE PEOPLE! I know you have heard this before but I am NOT kidding. I was desparate for a loan and applied and their website. Paul White called me and told me since I am a 'high credit rish' they would need security or collateral against the loan. I was approved for a $5k 'loan'. the security would be 6 mths worth of payments- $927 and my loan would be in my account in an hour. I moneygramed the money to them (STUPID MISTAKE!)

The next day, my loan wasn't in my account so I called again. This time I spoke to the President of the company, William Roberts, and told him I was a little leery that he wanted more money due to 'Canadian taxes and currency rates'. That was ANOTHER $530! This was two weeks ago.

I have talked to Paul White a couple of times. First he told me they were having problems wiring the money into my account, they were going to FedEx it to my house and I should have it no later than Monday (this was a Thursday). Tuesday I called because I hadn't received my 'loan' or a refund. Mind you, I have to make no less than 50 calls a day to get someone to answer they phone. They don't return phone calls or emails. Before the next time I spoke to Paul, I had filed complaints with MoneyGram for wire fraud, and on the FBI's site, something called Internet Compliant (IC3). Money gram said they would forward my complaint to Attorney General's. I have never heard from any such people.

I got a letter from my Criminal District Attorney stating that since I wired money to Canada, they couldn't help me. I filed a complaint with the BBB-Ontario ( their website says they are registered with the BBB- they are not, they just use their logo without permission). So far no one has bothered to contact me to help me. The next time I called and talked to Paul he said "Since they have seen your credit, and they know about the complaint you filed with the BBB, they don't want anything to do with you. "Since they've seen my credit?" DUH! He told me in the beginning I am high risk credit.

Oh, I also talked to the FTC (Federal Trade Commission) and that lady so RUDELY grated me for sending in a fee for a loan ,she was actually yelling, wish I would have gotten her name. Needless to say, they can't help me either, BIG SURPRISE. I am no moron, but I had no clue that these types of loan, 'advance fee loans' are illegal. Didn't find out til I went on the FBI's website. DO NOT SEND YOUR MONEY IN FOR A LOAN! Those people take it and run with it. They don't send you ANYTHING and you are stuck. NO ONE WILL HELP YOU! They act like you are a bother and wasting their time by talking to you. Then, you are stuck trying to figure out how to pay your bills since you sent your bill money to them to get a 'loan'.

In these days and times, everyone needs a tad bit more money, but please, please, please don't get sucked into this or any other company like them. I wish I had listened to my gut instinct, but I guess I was just hopeful and optimistic that people really don't take advantage of people like that. I wish someone would prosecute them. That is wire and internet fraud and a 'advance loan fee' scheme. This is direct from the FBI's website:
Common Fraud Schemes
The FBI is warning the public about an ongoing scheme involving jury service. Please be aware that individuals identifying themselves as U.S. court employees have been contacting citizens by phone and advising them that they have been selected for jury duty. These individuals ask citizens to verify names and social security numbers and then ask for their credit card numbers. If the request is refused, citizens are then threatened with fines. Details Common Fraud Scams
- Telemarketing Fraud
- Fraud Alert
- Nigerian Letter or 419 Fraud
- Impersonation/Identity Fraud
- Advance Fee Scheme
- Health Insurance

Investment Related Scams
- Letter of Credit Fraud
- Prime Bank Note
- Ponzi Scheme
- Pyramid Scheme

Internet Scams
- Internet Auction Fraud
- Non-Delivery of Merchandise
- Credit Card Fraud
- Investment Fraud
- Business Fraud
- Nigerian Letter Scam

Fraud Target: Senior Citizens
- Health Insurance Fraud
- Counterfeit Prescription Drugs
- Funeral and Cemetery Fraud
- Fraudulent "Anti-Aging" Products
- Telemarketing Fraud
- Internet Fraud
- Investment Schemes

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Telemarketing Fraud

When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.

Warning signs -- what a caller may tell you:

- "You must act 'now' or the offer won't be good."
- "You've won a 'free' gift, vacation, or prize." But you have to pay for "postage and handling" or other charges.
- "You must send money, give a credit card or bank account number, or have a check picked up by courier." You may hear this before you have had a chance to consider the offer carefully.
- "You don't need to check out the company with anyone." The callers say you do not need to speak to anyone including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.
- "You don't need any written information about their company or their references."
- "You can't afford to miss this 'high-profit, no-risk' offer."

If you hear these--or similar--"lines" from a telephone salesperson, just say "no thank you," and hang up the phone.

Some Tips to Avoid Telemarketing Fraud:
It's very difficult to get your money back if you've been cheated over the phone. Before you buy anything by telephone, remember:
Don't buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.

Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, unfortunately, beware -- not everything written down is true.

Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state Attorney General, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.

Obtain a salesperson's name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.

Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.

Before you send money, ask yourself a simple question. "What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?"
You must not be asked to pay in advance for services. Pay services only after they are delivered.
Some con artists will send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.

Always take your time making a decision. Legitimate companies won't pressure you to make a snap decision.
Don't pay for a "free prize." If a caller tells you the payment is for taxes, he or she is violating federal law.
Before you receive your next sales pitch, decide what your limits are -- the kinds of financial information you will and won't give out on the telephone.
It's never rude to wait and think about an offer. Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor.

Never respond to an offer you don't understand thoroughly.
Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.
Your personal information is often brokered to telemarketers through third parties.
If you have information about a fraud report it to state, local, or federal law enforcement agencies.
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Nigerian Letter or "419" Fraud

Nigerian letter frauds combine the threat of impersonation fraud with a variation of an advance fee scheme in which a letter, mailed from Nigeria, offers the recipient the "opportunity" to share in a percentage of millions of dollars that the author, a self-proclaimed government official, is trying to transfer illegally out of Nigeria. The recipient is encouraged to send information to the author, such as blank letterhead stationery, bank name and account numbers and other identifying information using a facsimile number provided in the letter. Some of these letters have also been received via E-mail through the Internet. The scheme relies on convincing a willing victim, who has demonstrated a "propensity for larceny" by responding to the invitation, to send money to the author of the letter in Nigeria in several installments of increasing amounts for a variety of reasons.

Payment of taxes, bribes to government officials, and legal fees are often described in great detail with the promise that all expenses will be reimbursed as soon as the funds are spirited out of Nigeria. In actuality, the millions of dollars do not exist and the victim eventually ends up with nothing but loss. Once the victim stops sending money, the perpetrators have been known to use the personal information and checks that they received to impersonate the victim, draining bank accounts and credit card balances until the victim's assets are taken in their entirety.

While such an invitation impresses most law-abiding citizens as a laughable hoax, millions of dollars in losses are caused by these schemes annually. Some victims have been lured to Nigeria, where they have been imprisoned against their will, in addition to losing large sums of money. The Nigerian government is not sympathetic to victims of these schemes, since the victim actually conspires to remove funds from Nigeria in a manner that is contrary to Nigerian law. The schemes themselves violate section 419 of the Nigerian criminal code, hence the label "419 fraud."

Some Tips to Avoid Nigerian Letter or "419" Fraud:

If you receive a letter from Nigeria asking you to send personal or banking information, do not reply in any manner. Send the letter to the U.S. Secret Service, your local FBI office, or the U.S. Postal Inspection Service. You can also register a complaint with the Federal Trade Commission's Consumer Sentinel.

If you know someone who is corresponding in one of these schemes, encourage that person to contact the FBI or the U.S. Secret Service as soon as possible.
Be skeptical of individuals representing themselves as Nigerian or foreign government officials asking for your help in placing large sums of money in overseas bank accounts.
Do not believe the promise of large sums of money for your cooperation.
Guard your account information carefully.
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Impersonation/Identity Fraud

Impersonation fraud occurs when someone assumes your identity to perform a fraud or other criminal act. Criminals can get the information they need to assume your identity from a variety of sources, such as the theft of your wallet, your trash, or from credit or bank information. They may approach you in person, by telephone, or on the Internet and ask you for the information.

The sources of information about you are so numerous that you cannot prevent the theft of your identity. But you can minimize your risk of loss by following a few simple hints.

Some Tips to Avoid Impersonation/Identity Fraud:

Never throw away ATM receipts, credit statements, credit cards, or bank statements in a usable form.
Never give your credit card number over the telephone unless you make the call.
Reconcile your bank account monthly and notify your bank of discrepancies immediately.
Keep a list of telephone numbers to call to report the loss or theft of your wallet, credit cards, etc.
Report unauthorized financial transactions to your bank, credit card company, and the police as soon as you detect them.
Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.
If your identity has been assumed, ask the credit bureau to print a statement to that effect in your credit report.
If you know of anyone who receives mail from credit card companies or banks in the names of others, report it to local or federal law enforcement authorities.
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Advance Fee Scheme

An advance fee scheme occurs when the victim pays money to someone in anticipation of receiving something of greater value, such as a loan, contract, investment, or gift, and then receives little or nothing in return.

The variety of advance fee schemes is limited only by the imagination of the con artists who offer them. They may involve the sale of products or services, the offering of investments, lottery winnings, "found money," or many other "opportunities." Clever con artists will offer to find financing arrangements for their clients who pay a "finder's fee" in advance. They require their clients to sign contracts in which they agree to pay the fee when they are introduced to the financing source. Victims often learn that they are ineligible for financing only after they have paid the "finder" according to the contract. Such agreements may be legal unless it can be shown that the "finder" never had the intention or the ability to provide financing for the victims.

Disgruntledconsumer
Somewhere in, Texas
U.S.A.