I received a call from an Anna Feldman from FairView Financials. She left a message advising she had information in regards to the terms of my loan. I initially thought what loan because I had never heard of this company nor had I applied for a loan with them that I could remember.
I called Anna back at the number she provided and she advised that I had been approved for a loan for $8000 and the payment would only be $167 a month. She went on to tell me that the lender required an insurance payment in order for the loan to be processed. She initially said the payment was $800, I advised that I could not aford that. She told me she would contact the lender and get back to me. She called me back to advise that he would accept $550.
When she said he I asked who he was she said Ian Jeffrey. I asked who he was and she advised an individual lender. I became skeptical because I hade never heard of individual lenders before or paying for a loan. She advised I neede to send the deposit thru moneygram to Canada. Sirens started to go off in my head I asked why Canada she advised he was on business there. She said all I had to do was send the money and I would receive my loan in 24-48 hours as desperate as I was I had her e-mail me the loan documents.
Once I received the loan documents I read them and faxed them back to the number she provided but the more I looked at them and had my mother look at the we felt they did not look official I began to look the company up on the web but could find nothing. Another thing that was strange is that when she would call a different number would always pop up on the caller ID and i could never get thru when i tried to call them back. Sometimes they were New York Numbers, or one said dotcom hotel.
I began questioning Anna about the numbers she tried to appear taken aback as if she didn't understand why that was happening. I asked her for their web address so that I can look them up on the internet. She gave me www.fairviewsfs.com when i looked it up nothing came up I checked several times and even while on the phone with her. Her explanation was that they must be having problems on their site.
I did an address search from the address on the loan documents and could not find anything for Fairview financials so I called one of the phone numbers I could find for a suite in the same building and was advised that there was no company by that name their.
To make a long story short I got the money and for some reason I guess all the ones listed above I didn't send the money. Anna kept calling asking did I send the money when was I sending it.
I advised Anna that I found out it is illegal in the US to ask for money up front on a loan she said not if the loan was thru an individual, I also told her that I read sending money to Canada I would have no recourse if something happened beause it's considered another country.
I just wanted to share my story because sometimes people such as myself become desperate to find away out of our financial troubles. Luckily my intuition kept me asking questions and allowed me not to waste money I didn't have. I just want others to beware if you don't feel right or the answeres don't add up don't do it.
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