On August 12 I was informed that I was approved for a $5000.00 loan from Ms. Linda Lee of Intel Financing Resources. I needed this money to pay my back property taxes and to catch my mortgage payment up. I had never applied to a loan company before, but I was desperate because I had until August 25th to pay my taxes or my property could be sold. I did not have any money and work for my husband has been very slow, so we were just making enough for the monthly bills.
So I called Ms. Lee back to get the information about the loan. Because of bad credit and a bankruptcy no other company would loan us anything, so I was excited about this company thinking it was an answer to my prayers. That we would not lose our house.
Because of our history we had to do a secure loan. At first we were given 3 choices to secure the loan. First, have a co-signer that has been at there same job for 4 years and made $40,000.00 a year. The second one was some type of colleteral like a clear title to your home or a car no older than 2 years with title. The third was to pay for an insurance policy which would cost $450.00.
We had no choice but to choose the insurance policy that was for disability, short term and long term, and job loss in case a payment could not be made. It took about a week to get this money but we finally got the money up for the insurance, we had to sell some things in order to get it.
Next Ms. Lee e-mailed over the contract which stated the loan was for 36 months with an interest rate of 17% and monthly payment of $167.68. Remember I was desperate. I also received a welcome letter and a letter from Adverse Insurance Group going over the policy type and the benefits.
I then sent over the signed contract, as well as the $450.00 thru money gram and according to Ms. Lee, since it was a direct deposit to my account it should show up with in 2 hours in my account since I sent the money by Money Gram before 2:00pm. This was on a Friday. Needless to say nothing showed up in my account.
Over this weekend a Hurricane hit Jamacia. I could not reach anyone at this office until the following Wednesday. They told me Linda Lee had lost her house so I would be dealing with Robert Simmons. I informed him that before the hurricane that we had sent over the money and that Linda had told us our money would be in the account. He stated that because of the hurricane everything had been delayed and he would have to check into why the loan did not go through. He said to call back the next day because they were still having phone problems and power problems.
I called back the next day and he stated that the company Ms. Lee said would lend us the money would not now due to some 'unknown discrepincy'. He was going to have to look into finding a new insurance company that would help us, but not to worry he had at least 12 other companies. He then told us to please call back the next day.
I called back the next day he stated that another company would do it for us however they would need another $500.00. I explained to him about the deadline for our taxes and we were told we would have the loan for the taxes by the 25th. We called the tax people and the lady agreed to give us another 5 days since we were getting a loan to pay them in full in a matter of days.
The following Monday I called Mr. Simmons again and he told me the same thing that he could not find another company without me paying another $500.00. He would keep telling me to call back in the afternoon or in the morning for the next few days. Each time we would have to call him, he did not call us back on his own unless we left a few messages.
Another week went by and we missed our tax deadline again. We finally came up with another $500.00 to send with my husband working all sorts of odd jobs. On a Wednesday, September 5th the $500.00 was sent money gram to Jamacia. Again Mr. Simmons stated that because it was before 2:00 the money would show up in our account in a few hours. Of course 3 hours passed and nothing showed up. We called him and said he was going to the finicical office to see what happened and to call him back in an hour or two.
We called back and he stated the finincial office was checking into it and to call back the next morning at 11:00.
We called again and he and a supervisor got on the phone and said they were sorry, the wrong paper work was done but they corrected it and all they needed was a signature to release the funds to call back around 2:00. Called back around 2:00 and they guarentee that the money would be in our account Friday morning before 12:00pm. Well there was nothing again. I called and was told by Mr. Simmons that it would be in the account by 2:00. I had to call back again because the money was not there and Mr. Simmons did not know what was going on. He has never had this happen before, call back on Monday.
Monday the 10th of September rolled around and still no money. I called Mr. Simmons again and this time he stated the state had passed a new law September 1st that all money leaving Jamicia to the US had to be taxed because of money laundering and that $1200.00 had to be paid, but because they forgot to tell us this they would pay half and all we would have to send is $600.00 to their company, then the funds would definitely be sent to our account. I asked if I could get a co signer and they told me it was to late.
I asked to speak with a supervisor and explained the whole situation and he stated he could not do a thing unless I send the additional money. Of course I told him this was BS and unfair and then the supervisor hung up on me. I called Mr. Simmons back and asked if I sent the additional money who would I send it to since it was the goverment ordering that taxes be paid on the loan. He stated send it to his company and they would take care of it. He also couldn't give me a number or anything to contact the government myself to verify this information, he kept stumbling, muttering and making up random excuses. He told me his company could fax me a letter, but that was it. He wouldn't give me any way to talk to the government to verify anything.
I told him at that time I wanted my $950.00 refunded back to me since they broke the contract that they sent me and I signed. He stated it would take at least 30 days because of the paper work involved and his company policy. I told him this was going to be reported to the State Attorney office and BBB and he got very rude and sarcastic and stated to go ahead because there is nothing any of them can do about it and that they did nothing wrong.
Needless to say we are out that money that we could have applied to our taxes and mortgage and we are praying our house will not be taken before we can come up with the money on our own. Beware there are really mean and wicked people out there working together to rip off desperate and innocent people that work hard to make ends meet and make a living.
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