It is to be noted down that no legitimate lender will ask for any fees associated with the loan prior to applying. So, if you encounter any sort of lending firm, file a report to the police to help establish the crime in the financial world.
The Little Black Book of Scams provides you with great insight into the scams you have to watch out for, not just in Canada, but pretty much everywhere. There are a number of reasons that people fall for scams, whether it's love, money, or just the wish that something could be true.