I am a single mother of 2 children who were looking to try and get a debt consolidation loan, On 02/22/08 I began searching for bad credit loans on the web and was denied by everyone, Then about 1 hour later I received a phone call from Paul Plimmer at Aylmer Financial Group claiming that I had been approved for a 5000.00 loan thru there company, I explained to him that I did not remember seeing or visiting there web site and how did he get my information, Paul then responded that I applied on there website, so in conversation with him I tried to google there company name and got nothing, so Paul advised that he would fax me over the contract so that I could look over the terms and call him back to discuss any questions that I may have had.in about 45 minutes later I received the fax contract and noted in the bottom it states you may take it to a lawyer to have reviewed, the contract stated that I would have to make my first 5 inital payments up front of 787.50 to secure the 5000.00 loan and I would not have a payment due until August.initally I was leary due to the fact that they were asking for money up front, so I called back and asked for customer service and spoke with some guy who didn't seem to know much, so I asked did they have a website and he supplied me with the web address aylmerfg.com, the thing about that is you can almost google anything on the web, except for them... So I begin my investigation. I contacted the Better Business Bureau to see if there had been any reports placed against them, and at first I found nothing, so I sent a request to have the checked out, in the mean time Paul was still trying to get me to commit to sending him the 787.50 via money wire transfer, I advised him that I would not send any money until I was 100% sure that they were legit, so I continued my search via the web, I contacted the chamber of Commerce in Deleware and searched all financial companies in the state and of course there was nothing on this company, I called several different financial companies in the state of Deleware and no one had heard of them, One lady I spoke with said that she had lived there 48yrs and never heard of that company so she proceeded to check the directory for the company name and nothing... So I continued my search, later in the week I did another search for consumer reports and came up with an Insurance company that just happend to be located at 1523 concord pike dr in Deleware so I placed a call to them and asked if they could look out the window and tell me if 1521 Concord Pike actually existed, she informed me that it did and was located in the same parking lot and due to it snowing she could not go out and see who acutally was leasing the space at suite 304 in building 1521, however she did give me the name and phone number of the person who owns the building, Caplan Managment owns the building it is the BrandyWine west building, I spoke with her on several occasions over a period of 3 days and she informed me that she had been contacting all her current and previous tenants to see if this Aylmer Financial Group was affiliated with any of them and she was advised that they were not, upon conclusion she also informed me that she currently does not have any tenants occuping suite 304 at the 1521 Concord Pike Bld that she owns, and to please take caution because that sounds like a scamm after I informed her why I was wanting the information... So from that I did not bother to call Paul Plimmer back, on Friday 2/29/08 I received an email response back from the Better Business Bureau of Deleware informing me that Aylmer Financial group is not an accredited business and it appears they just opened in February also the BBB verified that this company is located at a mail forwarding address and have no physical presence at the given location, The BBB has also stated that it is against the law for companies doing business by phone in the US to promise you a loan and ask you to pay for it before deliver, also requiring advance fees for loans is also illegal in Canada, per the Federal Trade Commission. Per the report the owner is Daniel Mossland with the main phone # listed as 1-800-963-9161. The BBB states that this company claims to offer loans with upfront fees ranging from 800-1800 dollars in order to obtain the loan... FUNNY THING is after receivning all this information and doing my homework... I received a call today 3/4/08 from Daniel Mossland saying that my file had been transfered to him due to the priority of my status because they had my funds in there account and all he needed me to do was let him know when I wanted to secure my payment by making the wire transfer of 787.50, so already knowing they were a scamm I questioned his were about as as well as inquiring if they were affiliated with the BBB, Daniel assured me that he was not the owner only a Senior Accountant at the company and that they were not affiliated with the BBB, but that the BBB did do an assesstment on there company every 3 months and if there were any complaints they would be on there... So I continued to ask why come you could not google their website and he again replied that I could take the contract to a lawyer, I asked what happened to Paul Plimmer whose ext is 215, he said nothing happened to him, he was just taking over my file. He insured me that the money that I would be sending would only be for the Broker who is a 3rd party lender would be using my upfront fees to purchase insurance incase I default on my loan... Blah. Blah. Blah. Game recognize game... So while still talking to him and informing him I had my 787.50 today, I informed him that I was in the process of googling there company and that is when I came across the Rip off report titled " Aylmer Financial Group Ripped me off for 1030.20" so I starts to read the report to him, he replys with o" i know what that is about, that was a customer trying to fraud us by using false identification. And because the identification was falsafied, the loan was defaulted. He suddenly started to sound nervous and asked if he could place me on hold for a few minutes, within 2-3 minutes he came back and said he was being called into a meeting and had to go... And said he would call me back or I could call him back in 30 minutes... Funny I haven't heard from him since...
*BBB states that this company does not have a State of Delaware Business License nor is it registerd with the Delware State Banking Commissioner's Office*
Also I would advise if any of you have faxed back your contracts to this company that has your bank account information... For a supposedly direct deposit check... Close those accounts now... THEY STILL CAN DRAIN YOU DRY...
Cautious in Texas...
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