I was contacted by Impact Cash Loans after searching for a local payday advance company to pay my past due rent. I was told by Max William (Agent) that I had been approved for $5,000. I decided to go with $2,000 which would pay my rent along with extra money to get by until I got paid next month.
I was told by Max that in order to facilitate my loan, I needed to make a "good faith" payment of $271.00 via Money Gram. Once they received this payment, I would receive my $2,000 along with the initial $271.00 I was putting up. I was skeptical because I have taken payday advances before, but never had to put any money up before hand. Max assured me that this was not a scam, he just needed to show his "underwriter" that I was able to show good faith in paying the loan.
When I arrived at the check cashing place, Max told me that I was to send the money to Nesly Adonis in Florida. He told me not to sound or act nervous in front of the teller processing the transfer. I stated to Max that this money I am sending was all that I had to my name and really felt like I should not do this. Again, Max stated not to worry, he would stay on the phone with me until everything was processed "After all, you need this $2,000 to pay your rent so you do not get evicted right? So just trust me, everything will work out fine."
Against my better judgment, I went ahead and wired the money. I was told to stay on the line while he confirmed the transaction on his end. When Max got back on the phone he stated that he received the funds and was going to transfer me to the "IRS" for them to verify my information.
I was transferred to the "IRS" agent who informs me that I need to send an additional $450 in order to process my loan request. I asked why and was told it was to boost my credit score up into the 700 range. I told the gentleman that I did not have this money and was then informed to call my "lender" back to find out what my options were.
In tears, I called the number for Max and after repeated attempts for someone to answer the phone, I finally got through to Max who informs me that the decision by the "IRS" was final. I asked him to please return the money and he stated to me "I do not have the money miss, the Internal Revenue Service has it... There is nothing I can do"
Hysterically crying, I called Money Gram to file a claim. I was told to go file a report with the police and call them back with the report number so they can try to pursue getting my money back.
The moral to this scam is that now I have three days to move out of my apartment, I have an infant who is disabled and no where to go but to the street due to the shelters being full... I am devastated and feel that someone needs to do something to stop this from happening to anyone else.
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