Tropical Lenders is a fake company. The people I spoke to are Robert Davis and David Rogers. I called many places in Kingston, Jamaica like the Business & Revenue Departments and they told me no such company exist. The scam is this: They tell you that you have been approved for a loan. In order to receive your loan you must send them insurance money. Once you send them your insurance money via western union they tell you that the lender changed their mind after another review of your credit report. However they promise to continue to look for a lender to approve your loan. This takes weeks. Then they call saying they found a lender, but you need to send additional funds. I told them I have no more funds to send. Then they call me to tell me they found another lender that has approved my loan with the amount I originally sent. Robert Davis then tells me he is sending it western union. You guess it I never received the funds. So i call him back and he tells me that the revenue department needs me to pay a fee to release the funds. Luckily I had already spoken to the revenue department and they told me they have no record for this company and not to send them any more money. Since I now know it is a scam, I have been requesting for my money back. They told me they will process my refund which can take a couple of weeks. Well I told them I can't wait that long and that I will file a police report here in America and Jamaica. Also, luckly for me I used my bank card to send the money western union and I will file a claim with my bank also. Please be aware of this scam. It is happening a lot from many different companies here in the states and overseas. I will also try to remove there web page since it is use for fradulant activities.