North American Lending/Manul Life Ripoff Scam Markham Ontario Kansas

I applied for a personal loan online due to email received of being approved for a personal loan based on income rather than credit score. I filled the application and the next day received an approval of 20,000. I was required to send in copies of my drivers license, ss card and last pay stub.

Once I faxed this information, Kurstin Cooper send me the contract via email which indicated I would receive 20,000 in funds and would take 12-24 hrs to receive directly into my bank account. The contract also stated that my interest of 11.2% would apply and to insure my acct I needed to pay 4 months payments in advance.

I asked Kurstin if I could pay it over the phone and she said I would need to send cash by western union and her courier would pick it up. Once the monies were received, I would receive my loan amount.

She would not give me information as where I needed to send the money and said to call her prior to making the transaction and she would give that information to me.

The following day, I went to the bank and withdrew the money to send to them. I called Kurstin and she said to send the money to her courier by name of Quianna Patterson in Markham Ontario Canada. I asked her if there was an address and she said no - western union would know the company and address as Quianna has worked for them for 7 years.

I proceeded to fill out the form and handed the money to the western union clerk and before he transmitted the transaction, I asked him if a company showed on his records and he said no - this was going to an individual. He asked me if I knew who I was sending the money to and I told him it was for a loan and he advised I investigate due to scams in Canada. He greatfully refunded my money and no monies were sent.

I emailed Kurstin at the email address she gave me of kcooper@getnorthamericanlendings.com and it was sent back to me as an invalid email address. I checked out the original approval letter and the name on the bottom showed Manul Life Financial and when I googled that name, I saw the scam reports. The address on the bottom of the form was in Pennsylvania so I did a reverse search on that address and it indicated various businesses ran out of Pa - could be all related.

There is a phonebusters you can call with Western Union to report the scenario's but I haven't been able to contact them yet.

Beware not to accept a personal loan when they are requiring monies upfront. My red flag was: sending cash, not visa or mastercard; sending money to an individual with no telephone number or address; and rather than taking the money they require off the 20,000 payment and sending me the balance, they required it upfront. I am glad I didn't complete this transaction as I would have been out 1458.00 and an additional 99.00 to send via Western Union.

North American Lending/Manul Life
Topeka, Kansas
U.S.A.