We applied for a personal loan and was granted the loan and had to pay close to $2000 for the insurance of the loan. Thomas Keef (loan officer) told us the loan was from a private lender in Canada and that we would receive the loan the next day. We never received the funds and now they will not answer the phone and will not return our calls. They have a New York address but they are not located at the address so far as we can tell. Their phone numbers are in Toronto, ON Canada and are cell phones. We are in the process of Investigating them... read full review »