I have bad credit and a bankruptcy. This company offered me a loan of $5000.00. In order to receive the loan they said I needed to pay the first 3 payments out of good will and they would post it to my account meaning I wouldn’t have to pay for three months. I wire transferred the money to one David Holt in Toronto Ontario Canada. I was told that since the money had been wired that I would receive my funds within a couple of hours. I waited and that never happened. I saw the money was picked up and called the loan company and asked when I should be expecting the funds but did not receive a call back. I had to wait two days to get a response from the loan representative, honestly I was surprised she called back but unfortunately it was to get more money out of me. So in order to receive the $5000.00 I would have to pay over $1000.00. This is a total scam. They use a web site that appears to be real, email addresses with the correct name as well as an 888 number. Seems totally real but you will never get your money.