I have bad credit and was looking for a way to pay off my debt and get my credit back to good standing. I went looking on the web and found a webpage where I put in my name, number and the amount I wanted to borrow ($2500). I received a phone call on 3/15/06 from George LePage @ First National Credit Group and he had "Wonderful News" his company could help me.
So I listened to his speil and was told the lowest amount they loan is $5000 and I envisioned having money in my savings account again and that made me feel secure. He also told me that I needed to secure the loan by paying the first 4 payments ($895) with the lender due to my bad credit. I told him I had to think about it and would let him know.
I researched this company by checking with the Better Business Bureau (nothing there on them) and I called the police dept in Southfield and they told me they were a business at that address. I talked with George LePage on 3/20/06 and told him that I was ready to go ahead with the loan, he faxed me the loan agreement and I signed it and faxed it back, he then gave me the info on where to send the money and that his company would give me back the $79 it would cost me to send it Western Union.
In the meantime I had talked with my best friend and she loaned me $800 towards the $895 I needed to "secure" the loan. On 3/21/06 I sent the money western union to a Hilda Jones in Regina, Saskatchewan Canada, called George Lepage with MTC number and he guarenteed me that the $5000 would be in my account by 5pm the next day.
On 3/22/06 the money was not in my account so I called George and left him several messages begging him to call me back, which he never did. On 3/23/06 I tried calling him again and finally spoke with Edward in customer service. He told me that George was "out in the field" showing property they are selling. He then told me that I needed another $925 sent to the lender as insurance on the loan. I told him I could not do this and that did he realize his company was ruining my life even more as I had told these companies I was going to pay them in full at my next payment due date.
I talked to my best friend about what happened and she agreed to give me the money. She even spoke with Edward and he gave her the same promise as me, that once the money was sent western union to Kathy Jones in Canada the $5000 would be in my account by 5pm the next day.
The money was never deposited so I called Edward again and was told the lender had backed out and that First National Credit Group has a Class Action Lawsuit against this lender as I was not the only customer they backed out. I thought I was going to have a heart attack.
I then demanded that the $1974 was put back in my account ASAP as this was money borrowed from someone who trusted not only me but this company. I was told that they could not replace the money until their next billing cycle on 4/14/06. I told him no way; this money was sent ASAP at their request and I am now expecting the same from them to me. He refused and I told him I wanted to speak with the owner of this company. He told me that they do not come to the phone.
I told him i wanted their names, he gave me the name Ryan Robertson and then fumbled for a minute so I asked him who Gordon Brady was and he said "yeah Gordon Brady" (this is the mans whose name is on the loan contract). I asked him to give me their extensions and he refused. I told him I wanted the money replaced ASAP and that I was contacting the Attorney Generals office and the police. He said "Maam, please do not do that as I promise you the money will be replaced on 4/14/06" I told him no. I wanted the money ASAP. He then hung up on me.
I called him everyday for a week and left him messages saying "this is Kathy Lynch and I want my money NOW!"
On 4/11/06 I had a message on my home answering machine from Edward asking me to call him back ASAP. I spoke with him and he told me that I was going to be supeoned in the lawsuit they had against the lender who backed out and that I stood to win 30% of the total amount they are hoping to win in the lawsuit. I told him I was in no way going to Michigan as I could not afford it and he said that they would pay all my expenses. I told him I did not trust him and I would not come to Michigan but that they could call me and get their info over the phone.
I also asked that he mail me the paperwork proving to me that there is even a lawsuit pending. He said he would, surprise, surprise nothing has ever showed up in my mail. I also asked him if the money was going to be put back in my account and he again guarenteed me it would be on 4/14/06.
As of 4/17/06 the phone number and website for First National Credit Group are gone/no longer in service, the money is still not in my account, my best friend hates me and I am now getting a second job and selling off what I can to get her paid back.
The moral of my story is: DO NOT GET SUCKERED IN BY A TOO GOOD TO BE TRUE STORY"
I lost a lot. Not just money but a friend who means a lot to me and that is the worst. I can replace money but I cannot replace the friendship lost.
Kathy
Canastota, New York
U.S.A.
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