On Thursday night, Nov. 2, I applied for a loan via the Second Chance Lending Group website at www.secondchancelendinggroup.com. I then waited for a few days and then Nina Pollard x712 called me back. (I have the phone records to also show when and from what number they've called me from. I pulled it up and it shows to be from Toronto, Canada.)
Anyways, she then told me to fax over 2 paystubs, copies of my drivers' license, and my social security card, and the terms of conditions that she emailed to me. I sent those to the number she gave me 888-310-3350. That was on Thursday, Nov. 9. I did not hear back from her until Saturday, Nov. 11, and she told me that she would transfer me to Michael Spencer x717, who would then give me the payment instructions, and that I would receive my loan of $10k in a matter of 5-6 hrs. She asked if I had spoken to anyone else regarding my loan, and I told her no, because I thought that yesterday the 10th was a holiday. She said that it was not for them.
She then transferred me to Michael, and I waited on the phone for about 10 mins. She then picked up the phone and tried to transfer me again and told me to just leave a message. I left one and didn't hear back from them. I contacted Nina and told her that I didn't get a call back yet and she transferred me to Michael, who gave me the directions to wire money for a deposit in order to receive my funds. I left the office early and then went to a Safeway to transfer the money in the amount of $1791. Michael then gave me the instructions to wire my money and stated that he was going to cover a portion of the funds therefore I only needed to send $1450. I was reading the Western Union instructions to Michael on the phone and told him that I was unsure as to why I would be sending this to an individual and not a company. He told me that the girl, Tiffany Lorde, would be picking it up and she's the courier for the bank that would be funding my loan.
The Western Union paper stated "Stop Consumer Fraud", and it gave me a warning to NOT send to individuals that I did not know and if it was for a "guaranteed loan" to stop the wire immediately. I told him that I was uneasy and then he said, oh wait, I'm sorry, it's not Western Union, it's Moneygram that we need. Although I was uneasy, I believed him, and thought I was being too paranoid.
I then went to Walmart to do the transaction via Moneygram (Reference # 51966783), and wired the funds as he instructed. Michael told me to call back in an hour to verify that they had received the funds, and I did so. Michael told me that everything was good and that I would have my funds by the next day at noon and to call back.
I then called back the next morning and was shocked to find that their number had been disconnected. I was bawling and crying, and called the Roseville police and filed a report Case # 318-06-15287. I went home, and my friend called me to tell me that their # was up and running. I was so excited and relieved.
Then I called Michael and he said that their system was having problems and that their wiring was backed up as well, and that since my last name was towards the end of the alphabet, I wouldn't have my funds until the next day. I then told him that I thought he took off with my money and I was crying and he assured me that they wouldn't do that to me. I have placed several calls today, Nov. 15, and I finally got ahold of him and he stated that I have not rec'd my funds yet b/c I need to give a total of $2k. I told him I want out and he got argumentative with me. I told him that I took all of my savings out and went on a limb to give them the money in the hopes that I would get a loan. He said that giving my money would not be a problem, I just have to sign documents, and to give him 30 mins to receive the documents via email. I never received a call back and when I called again (I've constantly called them - like 30x a day) and I spoke to Michael again and told him I have not received an email from him and he said that "the internet in this building is slow"- like I'm going to fall for THAT ONE!
I am praying that I do get the funds back and that they get stopped. I KNOW that fraudulent activity is going on, I have 3 babies to take care of, and now I don't have money for their Christmas gifts. THEY TOOK OFF WITH ALL OF MY MONEY!
I have yet to receive a phone call back - I've left them several messages that I've contacted all of the appropriate authorities and will be happy when they get caught.
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