This is yet another loan ripoff from a team of thieves posing as a legitimate lender. Here is how they work: (1) The call you and tell you that you have been approved for a loan at a decent interest rate; (2) they send you by e-mail somewhat legitimate looking documents for your loan, but you can see if you look hard enough how cheesy these documents are and how unprofessional they are. (3) They claim on their documents that there is an insurance company that will insure the loan and that you have the option to pay the first and last months payment that will both go toward your payments as well as insure the loan acting as collateral. They used a company in Canada on our documents as the company that would be insuring it -- on their "Promissory Note", they had Optimum General Insurance/P&P Ltd. -- I called them and they confirmed that this company is a scam and has been fradulently using their name for some time now. (3) But ... it gets better -- once you wire the first and last months payments, they tell you that the Canadian government has issued a "border tax" on the loan -- I asked for documentation for this and they sent me a Word document with a pasted top border from, this is funny, the dept. of natural resources! (What would the Canadian Dept of Natural Resources be doing issuing border taxes on loans??)
So far, these creeps have committed three felony offenses: defrauding the consumer (you never get your money), impersonating a lender and forging government documents. When you send in the border tax (of course by wire) they tell you that the money will be deposited in hours. (4) When that does not happen, the real fun begins. The most infuriatin part of this scam is that everyone you speak to to resolve the issue and give you verification on where your money is asks you to call back, and when you do, you can never reach them again. (5) The scam is completed when you have now called numerous times to resolve the issue and they block you phone numbers so you cannot get throught to them. I was no longer able to reach the numbers they gave me on my home phone, so I called on my cell -- they answered and quickly got off. Then I was no longer able to get a hold of them on that number. I called on my wife's cell, same story -- quickly off the phone, and no longer able to reach them on this number. I tried my cell number and reached the man who said he would get back to me -- he was so shocked I was on the other line, he quickly hung up, and you guessed it -- I was no longer able to reach them on ANY of these lines! I asked my sister in law to call them during a time where they could not be reached on any of my phones after repeated attempts -- she reached them effortlessly on the first attempt. Stay away from these people -- they are not who they say they are!