Complaint Review: Superior Lending Limited

I submitted my information on a general website to get a $5,000 loan. About a week later, I was emailed by a Melissa Boyd with Superior Lending Limited. Here is the email below:

Dear **** *******
Re: $ 5000.00 USD Loan Application
We have reviewed your online loan application, and it is our pleasure to inform you that your application has been accepted. We specialize in finding people, like you, who may be experiencing difficulties because of credit problems, income verification, job history, or health. We will try to meet your individual needs, even if you've been denied by other companies. Let Superior Lending Ltd evaluate your situation and use our wide range of loan options to find the right loan for you. A loan that meets your goals, one that you can live with comfortably, and lowers your total monthly costs through our debt consolidation program.

If you have received other offers from another lender, a local bank, or an online service-give us the opportunity to compare them to the many advantages of a Superior Lending Ltd Loan. At Superior Lending Ltd we're structured to provide you several options very quickly and efficiently.

My name is Melissa Boyd and I will be the Loan Representative handling your application. I can be contacted at 1 866 786 5010 ext 3212. I look forward to hearing from you.

Best Regards
Melissa Boyd
Superior Lending Ltd
1080 Holcomb Bridge Rd
Suite 135
Roswell, Georgia
30076
Toll: 866.786.5010
Fax: 678.228.1453
www.superiorlendingltd.com

Note: Superior Lending Ltd reserves the right to declare your application null and void if any representations made in the loan application are incorrect or if there is any adverse change in credit, assets, outstanding obligations, employment or security property prior to closing.

So, or coarse, I called her and got her voicemail. I received no return call from her, so I, again, called her 2 days later and left another message. She called me back the next day around 7:30 pm which I thought was a little strange because banking hours are usually 9-5.

Nevertheless, she advised me I was approved for a $5,000 loan which was repayable at $228.42/month, 9% interest, for 24 months. She also said that since this was a secured loan, she would need me to Western Union $700 to Kayla Samuels in Tilsonburg Ontario, Canada for the insurance. She even offered to look up the closest Western Union location to my home.

After she went through the details of the loan, she advised she would email me the loan documents to review and sign and send back with a copy of my drivers license, social security card and paycheck stub/proof of employment.

At this point, I asked her if she was able to just deduct the $700 insurance fee from my bank account. She said, "Unfortunately not. These funds would need to be sent by Western Union, but once the loan is set up, we can deduct the monthly payments from your account". I thought that was a little strange.

So this morning, I did some research on Superior Lending Limited; I found a couple reports on ripoffreport.com, nothing on BBB's website, and nothing when I did a google search.

Thankfully, I haven't sent any money or documents to them.

Anonymous
Norfolk, Virginia
U.S.A.