Archive for January, 2013

High-profile crimes mask sharp drop in bank robberies

Thursday, January 31st, 2013

It was a year of high-profile bank robberies in Calgary, including a heist committed by a former university student union president and a theft that had bankers offering a $10,000 reward for the capture of a criminal dubbed Old Man Winter.

But despite a number of the headline-grabbing crimes, police say their statistics reveal a different story: a remarkable 50 per cent drop in bank robberies in 2012.

Including banks and fast-cash loan stores, there were more than 50 heists at financial institutions in 2011 — a number that has since been cut in half.

“I can remember years where we had 60 or 70 bank robberies in a year,” said Acting Staff Sgt. Stu Keown of the Calgary Police Service’s robbery unit.

Keown attributes the decrease to catching robbers earlier on their sprees. Instead of single robbers hitting as many as a dozen banks, they’re identified and caught earlier before they can victimize others.

“Some of what’s happened this year is we’ve been lucky, … or we’ve had good work by us or the guys on the street,” Keown said.

“Maybe, cross your fingers, criminals are finally starting to realize that robbing a bank is a really poor proposition for making money.”

Making matters easier for investigators, financial institutions have made big strides in improving surveillance in the digital age, police say.

“In the old days, we used to have the VHS tapes, and now pretty well every bank has a digital surveillance system, which provides a much sharper image,” Keown said.

The most notable case of the past year saw the former president of the Students Association of Mount Royal University rob a Servus Credit Union. She was quickly arrested.

Meghan Melnyk pleaded guilty in court and blamed a gambling addiction for her actions. A sentencing date has been set for April.

In October, the Canadian Bankers Association offered a $10,000 reward for the arrest and conviction of a man dubbed the Old Man Winter Bandit because of his age and the season he typically strikes. At the time, police said he was responsible for 10 heists in Western Canada — including two in Calgary — and had eluded them for three years.

In November, police made an arrest in the case.

Leonard Richard Collins, 46, was charged with nine counts of robbery and two counts of theft under $5,000.

And in February, police say a gun was fired in a robbery of a Royal Bank in Signal Hill. Police said it was the first time in years a shot was fired during a bank holdup.

Police filmed a Crime Stoppers re-enactment of the incident but have not made an arrest in the case.

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Payroll Cards – Are They the Answer to the Direct Deposit Conundrum?

Thursday, January 31st, 2013

The payroll card can be a win-win situation for both employers and their employees. As an employer, payroll becomes much easier as no paper checks are needed and the funding of payroll is done in a single action rather than reconciling a payroll account where the cashing of checks may be staggered over the course of days and even weeks.

For employees, the obvious advantage is the convenience of not having to travel to a bank or check-cashing service on payday. Employees may also save money, as some services assess a fee to cash payroll checks. Then there is the ability to pay for items with a card, which decreases the need to carry a large sum of cash, as well as an online portal to track balances and spending.

For young employees the payroll card can provide valuable experience in using and managing a debit card and balancing an account without the fear of incurring overdraft fees, as the card can only be used up to the amount that is available.

Card program considerations

When evaluating payroll card programs, companies should look for a low-cost solution that provides the company with an easy means of ordering and funding employee cards. The program should also provide multiple channels in which employees can access funds, such as through an ATM, cash advance terminal and point-of-sale.

Do you think your business and employees may benefit from a payroll card program? Contact a Horizon Bank branch near you to learn more about how PayCard may benefit your business.

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Payday Advance Loans – Compare Salary Stretcher Loans from Top Lenders

Wednesday, January 30th, 2013

MEMPHIS, Tennessee, January 15, 2013 /PRNewswire/ —, the McAfee Secure certified loan matching site, is able to help consumers find a good lender with its new Salary Stretcher database. Catered especially towards US borrowers from all credit backgrounds, the free service can be used by entering some simple details into an online application form on the site. Within a few seconds, the site can match would-be borrowers with fast paying lenders that can lead to loan funds being made available as fast as the next working day.

All information submitted on and through is secure and confidential. Increasingly, matches services such as the one through PaydayLoansOnline allow for multiple, convenient instant applications to numerous lenders that are connected to the site. is not a lender; rather, it is a comparison specialist that has details of hundreds of reputable American lenders stored in the Salary Stretcher database. By carefully cross-referencing lenders and their products with the details provided by the applicant, the site can give consumers a wide range of choices and options from lenders. Once the matching is complete, the applicant is provided with a shortlist of approving loan companies. It is then the decision of the consumer to select one of the lenders for the short term loan, or continue searching for another match. made the announcement. is pleased to announce the availability of our new Salary Stretcher database. This comprehensive new service is populated with reliable and well-established payday advance loans companies, with a wide range of products. Different interest rates, amounts, payment and re-payment terms can be considered with no obligation. We invite consumers to complete the 2 minute application form to see which companies may be in a position to say yes to that wage-slip extender. We also advise consumers to spend time considering their options for free before selecting a cash advance loan from one of the featured lenders.

PaydayLoansOnline is an independent aggregator and cannot guarantee the approval of any applications made through its database to lenders. To learn more about the range of available loans online through the matching service and to apply for free via the instant online application, go to:

Sam Milo :
Tel: +1-678-666-0100


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Resources Page on Now Updated

Wednesday, January 30th, 2013

Los Angeles, CA — (SBWIRE) — 01/09/2013 — The owners of have made recent changes to their resource page, ensuring that the company provides valuable links for people in need of financial help. From bankruptcy to auto insurance, there is a little bit of everything for people to sift through in a time of need.

Payday loans are often needed when finances are tight for people. At, the company figured the best way to further assist people would be to provide trustworthy links to other similar services.

Each link provided by the website has been tested and received good reviews for providing a valuable service to people. While some might be initially intimidated by the amount of links provided on the website, they are sorted by way of what they can assist people with. Every single link is slightly different, and a short explanation of the services they provide are posted to the side of the website.

To learn more about everything that is now provided on the resource page for people to look through, visit

Rapid Payday Loan is a leading cash advance website, serving the United States in all 50 states. Customers can start the application process directly on the website, or they can opt to read through the number of articles and other resources before starting. Most applicants will receive their payday advance within one business day.

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Avoid Getting Scammed (Payday Loans) – Comparison Site Publishes …

Tuesday, January 29th, 2013

SAN FRANCISCO, January 8, 2013 /PRNewswire/ —, the McAfee Securetrade; certified independent loan matching site, has shared details about some articles published on its site. Geared towards helping expand consumer awareness of the pitfalls of the payday advance loans industry, the site hopes to prevent many from falling foul of unscrupulous lenders. The platform works with a number of reputable and reliable lenders and hopes to increase customer vigilance against scams within the sector.

Watch the video:

News First Five initially reported about a Colorado payday loan borrower (not from one of the companies featured by PaydayLoansOnline) who received a phone call from the fictitious American Department of Law and Investigation. The site features the video reportage and an article explaining that this phone call formed part of a scam from an unknown source making threats to take the borrower to court for missed payments. The borrower in question was, in fact, fully up-to-date with his repayments.

Although it is not certain how the caller obtained the personal details of the borrower, such as his phone number or the name of the store-front payday lender he used, believes that this information was obtained through a loop-hole in the Terms amp; Conditions of that lender, which state that third parties can be given access to details of applicants. and all of its associated lenders do not share any applicant data with external parties and maintain a strict privacy and confidentiality policy. made the announcement about the articles in the following statement.

As well as being an objective and non-biased independent loan introduction service, prides itself on being a source for factual information about the cash advance loan industry. We advise and invite all consumers seeking loans online to peruse our extensive catalogue of articles on dodging scams and making sensible decisions regarding short term borrowing options before taking the plunge. In addition to this article on avoiding phone scams, we will be continuing to publish further educational and information pieces in the coming months.

A review of the website also revealed a detailed bad credit consumer manual with actionable tips and various easy-to-follow video guides.

Read the article at:

Sam Milo
Tel: +1-678-666-0100


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Credit-union embezzler gets 7.5 years in prison

Tuesday, January 29th, 2013

The former manager of a credit union that was founded to aid the citys Latino community was sentenced Thursday to serve 7.5 years for defrauding the government and embezzling $2.3 million, leading to the institutions liquidation.

Ignacio Morales, 50, was the former bank manager of Borinquen Federal Credit Union, once located in Hunting Park at 629 West Erie Ave.

The credit union was founded in 1974 by a Catholic social-service organization to serve as a Spanish-speaking lender/banker to more than 7,500 members, primarily Latino residents of Northwest Philly.

Morales pleaded guilty to income tax fraud, money laundering and drug-trafficking charges in September 2012.

His scam came to light when Angel Maldonado, a drug dealer now serving a 25-year prison term, was arrested in April 2010. Federal agents discovered a letter from Morales in the dealers house vouching for a $14,000 cash loan.

Authorities discovered that from 2006 to 2011, Morales stole hundreds of dollars at a time from BFCU for his own personal use, including buying kilos of cocaine.

He took a 20-percent commission from credit union depositors refund checks – despite the fact the National Credit Union Association forbids federal credit unions from acting as check-cashing entities, according to court records. He further cooked the books to hide his deception.

The NCUA seized the BFCU on June 24, 2011 and a month later liquidated its remaining assets.

Morales was also ordered to pay $7.3 million to the IRS for unpaid taxes.

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Shorter Online Personal Loan Application Saves Time for the Consumer

Sunday, January 27th, 2013

Henderson, NC — (SBWIRE) — 01/24/2013 — has just launched a website that offers a much shorter payday loan application that can save their new customers a great deal of time. The new system will also give the customer the ability to compare different lenders in minutes.

The company has noticed over the years, that a lot of people were completing the online applications from their employer and many times, they did have enough time to fully complete the application. With there new system, this is no longer the case. All the client needs to do is complete their basic information, which would take about 2 minutes.

Payday Loans

Once the company has received the basic information, their online system will automatically match the information with over 100 lenders that can approve their Payday Loans. At this point, the customer can compare all of the offers to see which lender will fit their financial situation.

Not only will the customer be able to use our short application form at work, but they will also be able to get their loan approved in 2 minutes. The company states that this is another added benefit that has become available to their customers.

Their new online loan application makes it possible for any customer to complete the short loan application from work and by the time they get home, they can take a few minutes to review the payday loan offers. has made it much easier to complete the application loan process and receive a loan in less than 24 hours. The company states that as long as an individual has a reasonable income, they can find a lender that will approve their loan. There is never a credit check and they can use the cash loan for any purpose. All credit levels are welcome to apply. Even if they are new on your job, will accept your loan application and deposit your cash loan directly into your bank account by tomorrow.

The website has been providing bad credit loan solutions online for over 10 years. They offer cash loan programs for all credit levels. Some of their loan programs include auto loans and computer financing programs. The company states that they can locate a no credit check lender for just about anyone that is 18 years of age and earn at lease $800 per month.

For more information about their loan programs, go to the url below:

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Business Cash Advance Leader Merchant Cash And Capital Eclipses $10 …

Sunday, January 27th, 2013

Growth, expansion of programs and geographic reach to be key strategies for 2013

New York, NY (PRWEB) January 03, 2013

As it continues to aggressively expand its strategic initiatives, Merchant Cash and Capital, LLC,, announced that it has eclipsed the $10 million per month threshold for merchant cash advances in a single month for the first time. The news highlights the significant growth in the category and the marketing efforts MCC has been promoting to expand opportunities and access to financing for business that both take credit cards and those that do not.

“We are excited to have reached the $10 million milestone and we see even more opportunity in the small business market,” said CEO Stephen Sheinbaum. “We know there are many challenges that remain for small businesses in need of financing for a variety of different needs. With everything from the “fiscal cliff” to issues overseas impacting lending we are confident that our merchant cash advance programs will remain attractive for some time to come.”

MCC has been actively building financing products to help broaden small business access to its programs. In addition to introducing a program that is based on bank deposits and not tied to credit card processing they are actively looking beyond the domestic market for growth opportunities.

“Our next milestone will be to eclipse the $500 million total in financing of merchant cash advances and we are very near that goal now. We believe that while the economy is growing the pace of that growth is likely to move along slowly for quite some period. That means merchants will be looking to alternatives to traditional lending to help them meet their business objectives. We plan to have Merchant Cash and Capital there for them when they need the most help.”

About Merchant Cash and Capital

Since 2005, Merchant Cash and Capital, LLC has been one of the nation’s business cash advance funding leaders. MCC has provided nearly $500 million in financing to over 12,000 distinct customers and a total of over 20,000 advances. For more information about MCC and its innovative small business-focused cash advance programs, please call 1-866-792-9366 or visit its web site at

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Bellaire Police Report

Sunday, January 27th, 2013

Jan. 14

About 12:29 am, an officer was dispatched to a vehicle stopped in a moving lane of traffic on Interstate 610 West Loop. Upon arrival, the officer approached the 2008 Volkswagen Jetta and observed a woman passed out in the driver’s seat. The keys were in the ignition of the vehicle, engine running, with the transmission in park. The driver was observed to have bloodshot watery eyes and to smell of an alcoholic beverage. As the driver began to exit the vehicle she reached for an open alcoholic beverage in the center console. She was unsteady on her feet, admitted to drinking and performed poorly on Standard Field Sobriety Tests and was taken into custody for suspicion of driving while intoxicated.

At 9:54 am, an officer was dispatched to the lobby of Bellaire Police Department to meet a reportee who was instructed by his employer corporate office, by email, to report to police a possible fraudulent case. The reportee indicated the suspect came to the Cash Store July 22, 2010 to apply for a cash loan. The suspect pledged his vehicle for collateral to the Cash Store, but the lien was rejected on a different day because he had already had a pending loan at another loan company. The suspects vehicle was found to be repossessed by the other loan company for nonpayment.

At 3:20 pm, an officer was dispatched to ther 1200 block of Howard regarding a burglary of a habitation. It was discovered that the suspect made entry by breaking out a back door glass and removed property without consent. The victims desire prosecution.

At 4:27 pm, an officer was dispatched to the 800 block of North Second in regards to a burglary of motor vehicle (BMV). Upon investigation, it was determined the victim’s unlocked vehicle was burglarized by an unknown suspect and property was stolen, victim desire prosecution.

Jan. 15

At 9:38 am, three officers responded to a call of a family disturbance in the 4900 block of Linden. There was a heated argument between two sisters, and their father attempted to de-escalate the situation but requested police assistance when one of his daughters threw a glass object on the ground.

Jan. 16

Close to 9 am, an officer was dispatched to the Holloway Day Care in reference to a burglary of a vehicle. The victim had left her purse inside her car while she dropped off her children, and a unknown suspect broke out the window and stole her purse.

At 10:20 am, an officer was dispatched to the Bellaire police lobby in reference to a theft. The victim stated an unknown person stole two semi-automatic pistols from his house.

Jan. 17

At 11:26 am, an officer was dispatched to the 5900 block of West Loop South in reference to a theft. An ex-employee had stolen money from cash payments received from clients and designated for presentation and fee agreements for bankruptcy cases.

At 12:17 pm, an officer was dispatched to the lobby of Bellaire Police Department to meet a reportee in regards to a theft. The reportee indicated a person contacted her by phone, identified himself as an attorney and advised the reportee she owed $1,600 and an immediate payment was needed. The reportee was not aware of the amount of money that was owed, but she provided her checking account information to the unknown person. The reportee gave consent for $150 to be paid electronically but $450 was withdrawn instead.

Jan. 18]]gt;

About 1:39 pm, an officer was dispatched to the 5100 block of Maple to meet a Houston ISD police officer in reference to a student’s stolen wallet containing Visa credit card, cash, keys, and several miscellaneous gift cards. The student advised that unknown person(s) stole her wallet out of the girl’s volley ball gym locker room while it was sitting on the bench some time between 10:45 -11:30 am that day.

At 3:28 pm, an officer was dispatched to the 5900 block of West Loop North in regards to a four vehicle crash. After further investigation, it was discovered two of the four vehicles involved had left the scene of the crash without exchanging information. One of the vehicles that left the scene without exchanging information was the at-fault vehicle in the crash.

At 9:17 pm, an officer was dispatched to the 4600 block of Bellaire Boulevard in regards to a failure to stop and give information incident. The victim was traveling northbound in the 7300 block of West Loop 610 when his vehicle was struck from behind by a gray Dodge vehicle. The driver of the Dodge fled the scene of the crash without providing information as required.

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New Short Term Cash Advance Options Information for Small Business …

Saturday, January 26th, 2013

New short-term cash advance options for small business owners provides flexible, easy business capital for a variety of different businesses.

(PRWEB) December 30, 2012

New short-term cash advance options information for small business is now available at RetailCapital, the leading provider of merchant cash advances for business, recently announced. The new information published at RetailCapital describes how short term cash advances for business can help small business owners get through slow times in business with flexible financing options that work well for restaurants, clubs, retail stores, medical offices and other businesses.

As reported by RetailCapital, merchant cash advances work well for small to mid-size business owners who have bad credit or who simply need a faster way to get business capital to make improvements or to open new locations. Designed for business owners who have been operational for at least six months, merchant cash advances from RetailCapital are not loans, and they don’t require a complicated application or perfect credit score for approval. To apply for a merchant cash advance, business owners can fill out and submit a short application online. Funds are typically available within 72 hours of the application being approved.

Merchant cash advance services provided by RetailCapital are a smart alternative to traditional bank loans that can help businesses that are struggling to keep their doors open during the off-season or simply due to a slower economy. Instead of closing the business, business owners can get the cash they need to buy new equipment, pay off bills or make improvements to their facilities with merchant cash advances.

RetailCapital provides merchant cash advances that are a simple and convenient alternative to traditional small business loans from the bank. They serve small to mid-size businesses by providing an alternative to traditional sources for capital that can be difficult for business owners to secure, by offering a flexible, hassle-free solution for business owners who need immediate access to cash. For more information, please visit

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