Was good to find this com again. Had one of their reps at the door the day I turned 65.
Unfortunately for him, I had my ducks in a row; so to speak, however, today was my background check on the organization. Sorry to hear that those above were scammed

They called my aunt from 858-209-1082 and identified themselves as Medicare and wanted to come over and discuss all the changes in Medicare. She was smart enough to tell them no.

Who are they?

I suggest trying a local Savings & Loans. The net is a dangerous place to look for bad-credit loans. If you google "bad credit loan," I bet the first 20 that show up are all scams. The scammers are looking for borrowers who are desperate enough to agree to send an advance fee for a loan that they'll never receive. The FTC says advance-fee loans are illegal in this warning here http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm that states "It is illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they deliver." Can't recommend a payday loan either because there have been many reports of extortion scams using borrower data from payday loans, not clear how scammers are getting the info.

SO DOES ANYONE ON HERE KNOW OF SOMEWHERE TO ACTUALLY GET A LOAN IF YOU HAVE BEEN TURNED DOWN EVERYWHERE ?

For future reference... Amerilife Financial Group IS NOT the same as Amerilife Group! Amerilife Group is an insurance company!

Amerilife called concerning my mortgage package, I told them to get lost. then called back the number and was told it is a debt collection agency, by recording. the Number 1-800-511-1278 there is no reason for a debt collection agency to call me! there using a different number, and there is a ongoing transaction in progress with my bank at this time! Caveat Emptor!
Some how they are getting our personal information, don't give out any information call your bank first to verify any activity on your accounts.

I'm sorry but the legal system cannot do anything for the type of trouble your in. It's one of those things I guess you just have to take it as a learning experiance and move on there's no way of catching these a***oles. At least for the most part. Some will be brought to justice. Even if it's not through the legal system.

Good Luck Michele - The only problem is Amerilife will very soon shut its doors just as Glenbrook Investment Group did for me.  And then the lawyer or police officials can not locate these awful people.  Please let me know if you do get anywhere with your lawyer and then I will go that route also.  I can tell by the intro on the phone that the people under Amerilife are the same ones under Glenbrook Investment Group.  They are all related and just start new companies with new names once they are found out by people like us.

i too just got scammed by amerilife, and have left several messages for the loan officer,
re the money not being in the bank, but fortunately, I have him on recorded line, going over the loan details, and I have informed him
I am seeing an attorney, re the issue, I had called after reading these
rip off websites, and was assured they were not a scam ect,
I am seeing an attorney, and if anyone else, has this problem I suggest that going the legal way is what should be done, if they are to be stopped, legal action is the only way to go,

That is a good question.  I will ask my daughter to ask her friends mother if there was a contact number.  Because my daughter was a third party in the whole thing she doesn't have much information except the name of the people in Canada.  Her friends mother is supposedly trying to get my daughter her money back but I am not holding my breath.  My daughter learned a huge lesson..... If it seems to good to be true...it probably is.  And she will listen a little more to her mom.

That is exactly what happened to all of us.  Asking for more money when we didn't receive the loan in our bank accounts.  I felt stupid too afterwards that I fell for it.  Being that the number they gave you is still working (I just called it), maybe the police or FBI can do something.  By the time I contacted them, the number I was given was disconnected (only 2 weeks after I was scammed).  These are very sick people.  Unfortunately, the FBI said they couldn't help me because the dollar amount was very small in their eyes.  But all of these hardworking people in the US continue to get scammed.  I don't know what to do about it!

Just a follow-up to this on-going story, I was contacted today by a "Sr Loan Officer" from Amerilife Financial Group, his name was Ken Miller, he called my home phone and left a message. The incoming number was "unavailable" (big surprise there), he left the same number 866-203-7543 X-512, I contacted him later in the day.

He said he understood I had not received my loan yet, I told him that was correct, he said due to my 'poor credit' he needed another $787.50 for me to receive my $5K, I told him I was onto him and his companies scam, I have contacted the FBI, the BBB and also the FCC, I lost my temper big time and by the time I looked down at my phone, he was gone.

I hope this helps somebody else

My wife and I were desperate for cash (with poor credit) and applied for a few online "pay day" loans in July of 2008. Someone must have found my information on the internet, they contacted me and told me they could get me a loan for $5000 thru a 'private lender'.

My wife and I discussed this and decided we should move forward. I contacted the "loan officer" the next day, the name she gave me was Pamela Steeles and the contact number for her company 'Amerilife Financial Group' was 866-203-7543.

She informed me that since my credit was poor, she would need $787.50 to be wired to the 'lender' up front for the first couple months payments (covering Aug - Sept). I did not have that kind of cash available until I got paid the following week, Pamela got pushy and told me this was a one time chance at this private lender, I was kind of apprehensive, but we really needed the cash, so we decided to borrow the money from a relative.

My wife even contacted the so-called company and had a tough time getting someone in 'customer service' to give her a valid website, we found it, in addition to the documents Pamela sent us previously made this seem like a valid company.

She told me to wire the money using Money Gram instead of Western Union (maybe WU is onto the scam??) She wanted me to contact her from the line in Walmart, she would 'walk me thru the process', she also insisted I use the 'red form' at Money Gram (not sure why this was either)

We went to a Walmart near our house and used Money Gram to wire the money to a person in Canada (Pamela claimed this was the lender) by the name of Lance F Letrelle.

Pamela stayed on the phone with me up until the money was wired, she needed the confirmation number, she said we would have our $5000 loan sent to our checking account the following day by 2pm, it never came and now we realize we were scammed, we just don't want this to happen to anybody else in the same situation as us.  

We now are out almost $800 (on top of owing our relative the money he lent us), please be aware of scams like this that prey on people with bad credit that can't get loans anyplace else.

The fax number Pamela gave me was 952-487-1588, she said she was unable to email anything to me, the more I think about this, the more foolish and pissed off I feel, because I fell for it, and because people like this exist. The address on the faxed paperwork was
Amerilife Financial Group  
405-8400 Normandale Lake Blvd
Bloomington,MN 55437

My email address is dld_z8@yahoo.com

Hi Theresa -
Since your daughter was recently scammed, does she or her friend's mother have a different phone number as a contact for these loan sharks?  Everyone else on this site has 1-888-405-4046 as a contact number.  That number has not worked now since end of May.  If your daughter has a different number that is currently working, maybe we can get the police on these guys.

My daughter was just scammed out of over $3500.00.  Her best friend is in jail and his mother was trying to get bail money.  She told my daughter she was getting a loan and that they needed $2000.00 sent to them through Money Gram.  So my daughter sent the money from Kentucky and put on the receipt that the senders name was the mother of her friend.  I warned her not to send it and that it looked like a scam and so did the lady at the desk where she sent the money gram, but her heart was leading her and she sent the money to "Oschner Luis" in Canada.  The the mother called her and told her that the loan needed Insurance and they wanted another $1500.00.  So my daughter once again pulls money from her brother's account (she has power of attorney and he is stationed in Iraq).  and she sends that money to "Audrey Massey" again in Canada.  I called the number 1-888-910-3210 and they only gave me the web site of www.Ic3.gov and said she needs to report it, but the problem is that she sent the money using the mothers name and her name isn't on there anywhere.  All she has is the orginal receipts.  The mother called her after the second money sending and cried that she wasn't getting the loan and that she would pay her back in two weeks, but I don't believe that she will be able too.  If she was desparate enough to work with people that she couldn't verify because she doesn't have any money I am sure she doesn't have any money to pay her back.  THIS SUCKS!  Mom of a 21 year old who was scammed.

Kevin & Laura -
I also filed a complaint on this website:  https://www.recol.ca/intro.aspx
It is a canadian phone busters website that works with Canadian agencies.  I was advised to file a complaint here by the Federal Trade commission.

Hi Kevin -
I finally did contact the FBI (my local office).  They informed me that for $900, they could not open a case.  But they said that I should report my complaint online at www.ic3.gov.  They said if others report it there also, it will build a case and then they can investigate.

Sorry for the delay I've been out of the states on business. Contacing the FBI couldn't hurt but how helpful they might be i'm not sure, nothings too drastic if you want your money. The only problem that might arrise is there sbility to work in Canada, where funny enough all our money went to. The address given was just a random location they found i've talk to the person who actually works out of that address and she had never heard of that company and had received other calls from multiple people asking the same thing.
-Laura- If you have talked or are planning to talk to the FBI please ask if they are able to work in or with people in Canada. If not I'm afraid they'll hit dead ends.
I'm still working on any means of tracking but all my leads are hitting dead ends. I'm slowly sorting through everything I have to find an answer.
but as they say never give up, never surrender.
-Svitalia- On another note it might help if you call Eloans, at 877-341-1162, if you applied with them they might be able to tell you if they are the ones that indeed gave your information to them, if so they should have more information about the "Company". If they where the only place you applied at let them know that some how information was either taken from there sight or given to them through a person.
Sorry That I can't be of any help at the moment but my search is far from up. If anyone wishes to contact me personally you can reach me via e-mail at Freeradical200011@yahoo.com
            Peace and Semper Fi.

Kevin -
Also, I have the same address for them as Laura does - in Oklahoma City.  The fax is 918-516-0656.  We can email privately about this if you would like.  My email is svitalia@sbcglobal.net.  Thanks.

Kevin - Thank you for responding.  Sorry for my untimely response.  Does it help to contact the FBI?  I haven't done that yet.  Only filed with the FTC and BBB.  And I put a fraud alert on my credit reports.  Here is the information from my transaction.  The "Senior Loan Consultant" I was working with was David Hanes at 1-888-405-4046 x275.  He already had my information so that is why I thought it was valid.  He had my SS#, name, address, etc.  He said the information was forwarded from another lender I applied to on Eloans (where I had truly applied).  I also checked them out on the BBB and the report at the time had no negativity and no complaints.  This was on 5/7/08.  My transaction wired to Canada was $909.16 - $895 for the loan & $14.16 for the wire fee).  I did not know that advance-fee loans were illegal in the US and Canada until after I was scammed and I did some research.  I sent the money to Jane Painter in Waterton, Alberta, Canada.  After I did not receive the loan the next day, I talked to the "Customer Service Manager", Reuben Jenkins at 1-888-405-4046 x792.  He said there was a problem insuring the loan and that another $895 was needed if I wanted the loan.  I told him no and that I want a full refund.  He said I could get a refund and they would overnight it to me, but not until 5/23/08, their "check cutting" day.  I said fine.  On 5/22/08, I called Reuben back to confirm that he was cutting my check the next day and he said yes.  Of course, no check arrived on 5/24/08 (a Saturday) or on 5/27/08 (a Monday).  Then on 5/27/08, I called and was put into voicemail for both David Hanes and Reuben Jenkins.  Later that day, the phone number no longer worked and hung up on me when I called.  On 5/28/08, the website no longer existed and I checked the BBB and now there was a negative report.  These people need to be behind bars.  I do not know how they sleep at night with this on their conscience.  I really appreciate anything you can do to help us get our money back or to just prosecute these individuals and fake company.  
Thanks for your help.

Kevin, We got scammed, actually my daughter did, but we gave her the money a total of $1550.00 plus $28.32 to wire the money to a Michelle Clayton in Alberta Canada.  Phone #given was 1-888-910-3210 pin #3164685479 to wire money to them. The same contact number was given 1-888-405-4046.  Website is down-of course.  Have an address of 701 North Broadway Ave. Oklahoma City, OK 73102.  I've contacted the FBI here in Grand Rapids, MI today 6/2/2008 and am awaiting a reply from an agent.  If you can help please do e-mail @ laurajhanson@comcast.net.  Lets put these guys out of business.

Dear Svitalia,

Sorry you fell for it as well. I have posted things on various websites and promised to keep people informed. There website is based in Hong Kong, Their
Fax is located in Oklahoma City and there phone is untraceable. I have gotten the various reports from BBB and the Attourney General and have discovered many things. The people are located in Alberta, Canada. I have talked to the location where my money was received and have received a picture of a late 20's early 30's, Hispanic women, and a close friend is running her face through a United States Log and hopefully will get A hit. If not my next move will be going to Canada and trying to locate them manually (with some assistance). Canada is actually a very helpful place.
If you can give me some of the information they gave you I'd be appreciative. Like the phone # you called, the Fax Number they Gave you and the name of the person as well as the location of where you wired your money to. Please leave your personal info out of the responce this is a public website all can look. Peace and Semper Fi.

Dear Kevin - Please help me to get my money back when you find a way!  I fell for it too.  I feel really unintelligent for not going with my gut.  Please advise.

This Is A Scam. Don't beleive a word these idiot's say. I found them online looking for a loan. they called me and money was exchanged and got bitten in the a**. Thats OK though I have my ways of getting my money back. After all being ex-military has it's advantages. I'm pretty sure there located in a small part of canada for the most part. they claim to be located in Oklahoma City, Oklahoma, but they had me send money to Canada. That's fine though I have a name and that's all I really Need. Funny how getting scammed will change your veiws. but thats okay i'm a chrisian man but I beleive in Karma. Things have a way of coming around.

FRAUDULENT NUMBER- COMPANY DOESNT EXIST