They are calling with bs stuff

Scammer, called for a loan. asked to send funnds for insurance. NO reply after. AVOID AT ALL COSTS! Went to authorities

The took $1000 from me

Things to remember about loans offered by phone or e-mail:  (Pay  attention to item #4!)

Loans
1.    No reputable lender will lend you money over   the   phone.
2.    No reputable lender will lend you money by e-mail
3.    On-line lenders are nothing more than conduits for another loan scam.
4.    Advance fees for loans are always illegal.    At  least in   most    American states and I suspect in Canada as well
5.    If   you want to borrow money,   go to an established brick and mortar   lender that has been around awhile.
6.    If you receive a call from someone with an Indian accent either a.  threatening you or b.  offering you something, you know it’s a scam and you should hang up immediately.
7.    These people are predators, the calls are not random, they have information that they have bought from various sources and know your financial history.  If you have ever taken out a pay-day loan, they have all your information.  They know who they are calling.  They like to pick on women, single mothers, the elderly and sometimes  members of the immigrant community.   Also,  those who might be in financial difficulty.
8.    Report them to your  anti-fraud authorities.

Gary Richardson @ Rosinton Financial
This is a scam, they will ask for money up front to secure a loan which is illegal. The loan will not be released and they will continue to call asking for more money. Report to authorities.