USACASHADVANCE.COM Non secured loan-dishonest, fraudulent, scam artists & predatory very inconsistent within their industry Internet

I was contacted via phone by Sam Wilson.  He offered me a $2,000 loan with interest of $400.  He said that Icould make 12 payments of $200 per month.  He also said that a checking account was not required.  He also said that I would need to make my first payment of $200 via a particular pre paid card. " The first monthly payment has to be made through Vanilla Reload Network Prepaid Reload. " 

At first, it didn't seem to matter.  After questioning Sam about this, he said that they must receive their first payment this way.  I asked him why I couldn't use my prepaid card, he said no etc.

I called back several times and also spoke with Paul Amber, he described him self as a sales associate.  Finally they explained that I would need to go to CVS or Walgreen's to buy this card.  They also said to call them when I am at the store to make sure that I was buying the right card to make the transaction.

I stopped at a local CVS and talked with a seasoned employee.  When he saw what I was buying, he asked me why I was buying it.  I told him about the loan etc and he cautioned me with some very good advice.  He said that there have been many scams and rip offs by companies asking people to make payments this way.  He said to not do it.  I thanked him and left the store without buying the card.

I looked at the link from his web site.  There were several major contradictions in their web site from what he told me.  It appears that the web site could be another company's or they are just flat out lieing and ripping people off.

When I got back home, I called the same number, 206-395-3317 . I talked with Paul Amber, a supervisor.  I again asked them why I couldn't just pay the $200 from my own money card. Again he gave some bs and crappy explaination.  

Since they said that were in Seattle, I asked them some questions about the sports teams in Seattle.  He refused to answer me and became very very beligerant and interrupted every time that I began to ask him another question.  Both of us raised our voices some more and then he finally said to never call him again.

Here is the email that they sent to me:

From: Sam Wilson [mailto:accounts-manager@usacashadvance.com]
Sent: Monday, June 24, 2013 3:41 PM
To: 
Subject: Loan Approval

Dear Mr. Tom _____

    Please read the details set out below carefully before signing the deal with U S A Cash Advance. We are pleased to inform you that your loan application for the loan of $2000 has been successfully accepted with our company. The quotations, information and content provided in the e-mail are not subject to change for the complete term of loan.

Quotations:-
Loan Amount: $ 2000
Term of the loan: 12 months
Monthly Repayment: $ 200
Rate of Interest: 1.20%
APR: 5.7%
Payment starts in August (Second Monthly Repayment).

Terms & Conditions :- ( Unsecured Loan)
1 .This is an unsecured loan which our company is offering.
2 .We don't require any guarantor for this loan.
3 .The maximum period for the completion of the loan is two working hours
4 .There is no redemption charges/penalties for the early repayment of this loan after making 6 monthly repayments on time.
5 .There is no fee/hidden charges involved in this loan.
6 .To complete the loan we charge the first monthly payment in advance. The further payments will come through direct debit on the scheduled date as guided by the customer.
7 .The information shared with our company will not be passed on to anyone as per the regulations of DATA PROTECTION ACT OF US 1998.
8 .The customers is required to pay the monthly payments on time otherwise the organization is authorized to take legal actions.
9 .The information provided here is based on our understanding of current financial law.
10 . The first monthly payment has to be made through Vanilla Reload Network Prepaid Reload.

Loan Reference No: - SR ____
In case you have any query regarding the loan you can call us on our.
Helpline No: 2063953317,
Web: www.usacashadvance.com

(U.S.A CASH ADVANCE)
Thanking You

For your own sake, never do business with this company.