After providing the amount of money they requested for me to send (through Western Union) I never received the loan that I was promised to get in the amount of $5000. I was given the option to either pay up front fee of $825.00 which would total 5 months of payments on the loan or I would need to pay for the insurance they offer to cover this loan incase anything was to happen in the amount of $800.00. Once she faxed over to me the contract, I read it from front to back and I also checked with Better Business Bureau, Usa Consumer Complaints.com, Attorney Generals office to see if there had been any complaints on this company and I found none. I thought on it for about a week and then decided that I would go through with it and I felt pretty confident that this was not a scam. BIG MISTAKE!!!
After I had choosen to pay the 5 months up front fee, Jane told me that I would need to send the money western union to a George Moore in Canada (because he was the actual lender providing the money) and then my $5000 loan would be deposited in to my bank account the following day. This never happen, instead I then received a phone call from a guy named Micheal Deckles who stated that he was Customer Service and I would need to send an additional $800 dollars before the lender would provide this loan to me. Of course I about fell out my seat and asked him repeatly "WHY", I did everything that was asked for me to do and it stated on the contract that I siged that I had a choice to either do the $800 insurance or $825 five month payments, it said nothing about me having to provide both fees and not to mention that Jane Hanley insisted to me on several occassion that I would only need to send the $825 in order to obtain the loan.
The customer service guy, Micheal became really defensive and began to tell me that because my credit was so bad the lender didn't want to send this loan with out me paying for the insurance. I told him that I could understand that (my credit sucks) but my credit report was ran before I ever received a phone call and Jane Hanley called to advise me that I was approved for this loan. I DID NOT CALL THEM, THEY CALL ME WITH THE INFO! Once again, he became extremly defensive but only this time he hung up on me when I kept asking to speak with his manager or anyone over him. He wasn't making much sense to begin with and I had a hard time making out the words because he has a really bad accent. He told me that nobody was over him and he didn't need for me to talk to anyone but him. I called back several time only to be hung up on. All I wanted to know was, could I obtain my money back?
Needless to say, I still have not received my money but I have filed reports on them and I will be taking them to small claims court. I also found out that it is illegal for any company to charge advance fees for a loan before the loan is made. Such "fees" include but are not limited to insurance fees, up-front fees, processing fees, collateral fees, etc. To bad I didn't find that out prior to me sending them $825.00...
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