A few weeks ago I applied for a personal loan on a website that refers your request to several lenders to find you the loan you want. I was contacted by a loan representative from Reactive Solutions Inc. Named Shannon Lockhart who told me I had been approved for the loan I was looking for in the ammount I had requested. She said they had found a private lender and that I needed to fill out the loan agreement to get the process started.
She said I qualified for a secured loan and that I would need to deposit $800 into my loan account to secure the loan. This $800 would guarentee my first and last payment and would be re-distributed to me after 6 months of timely payments. I filed out the paperwork and visited the website frequently. Also, Miss Lockhart kept in great contact with me, answering all of my questions and making sure I filled out all of the paperwork correctly.
On January 10th, I called to make the $800 deposit. She told me that I had to wire it to them because they couldn't take it directly from my account and that I could send a check, but it would slow down the process. I should have been skeptical, but I was just so happy I was going to get out of debt that I went ahead and did it. She told me that the loan money would be deposited into my checking account within 12 to 24 hours. 12 to 24 hours came and went.
Then a day, then 3 days. All the while she answered my phone calls assuring me that the loan would be deposited into my account by 9:00pm the following evening. Never a specific answer as to what the hold up was, just excuses. I never saw any of the money. I called her on Saturday Jan. 13th and, sure enough, the phones were "temporarly disconnected".
Furious, I began to send a barrage of emails to their site demanding that someone contact me and let me know what was going on and why I was being led on. The final phone call came on Sunday the 14th when she left a message that the funds would be transfered by Monday night. I sent an email that night telling her that I wanted to talk to her about this and possibly get my deposit back and forget the whole thing.
I threatened to contact an attorney because I felt that I had lived up to my end of our contract and that they had misled me about the time it would take to transfer the funds. "Attorney" was the key word there. Since that email I have not heard a peep from Reactive Solutions Inc, Shannon Lockhart or my $800 and loan transfer.
I have sent MANY emails and tried again and again to contact them by phone (where a message tells you the phones are temporarly disconnected), fax (which still picks up even though no one may be there) and email. No one has bothered to contact me or email me since then. They have disapeared. My $800 is in their hands and I have no loan money. I will continue to attempt to contact them but have lost hope that I will ever see the my $800 much less the loan they promised me.
What is worse is that the deposit was not money I was prepared to afford to lose. It has put us in a serious financial hole.
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