I picture a small group of people sitting in a house answering phones pretending to be lending institutions. However, it has to be more complicated than that. They have automated answering systems and 800 numbers. Also, I'm guessing most of these "companies" are the same people operating the scam. Do they just pick up their stuff and move to a different house in Canada after a certain period of time? These scammers should be rich by now. Also, I've read that when victims send the money, it's picked up in various locations throught Canada. Sometimes in eastern Canada, sometimes western.