On 02/08/06, I was looking for a loan and enter my information on www.ww-ss.Co, Worldwide Savings and Loan because I came across some unexpected expenses.
This website states that no credit issues would be turned down, so I applied and waited for a response. On the same day, I received an email stating that I wasn't approved by the banks but through a private lender in the amount of $5000.00.
I was very excited so I signed the agreement as the email stated and faxed to the number on it along with a voided check to ensure prompt monthly payments. The email also stated that once received, a check would be issued on the same day. I didn't receive a confirmation that the fax was received so on 02/15/06, I refaxed the information again.
Still no confirmation but on Saturday, 02/18/06, I received a certified envelope that contained a $7000.00 check from Worldwide Savings and Loans. $2000.00 more than I was expecting. I thought that I'd gotten approved for a much bigger amount and that the company would sent a revised agreement reflecting the change. The address the package came was Canadian but the bank was based in California. This should have been my first sign...
On 02/21/06, I deposited the check into my account and was waiting on it to clear. Exactly 7 days after the check was deposited, it was returned to my account. You can't even imagine the world I was in because my payroll check was in the mix of this mess along with numerous overdraft charges when the amount was removed.
I've tried numerous times to contact this company via phone but it says "thank you" and hangs up, emails are returned due to the box being full, and all faxes are being ignored.
I've contact everyone from the bank the check was issued from to the police to see if I can file any charges. I know that we can sometimes think that nothing like this could ever happen because you're super careful, but I did everything to ensure that this company was legit.
I checked the Better Business Bureau, the bank, the paperwork... Everything, at least I thought. This company should be brought up on charges for FRAUD! What can someone possibly gain from making another person go through something like this? What is the benefit?
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