Shame on me. On or about March 5, April Harris contacted me and stated that I was approved for a $15,000 loan. She was referred to me by a site that I had visited to search for lenders. She stated that the name was called Financial Beginnings.
She stated that in order to receive the funds, I needed to put a deposit of $1,500.00 down for insurance. (My credit has not the best in the world lately, due to circumstances beyond my control so I thought it was legitimate.) As I really needed the cash at the time, it took me a month to produce the $1,500.00 amount requested. We communicated on several occasions while she gave me time to produce the funds. She had Reggie Noble (Accounting Department) to email over all of the loan documents which included the Truth and Lending Disclosure, Promissory Note, and Loan Agreement.in that email was also included a copy of the State of New York office of business Registrar to Certify that Cadeco Financial Services #MLB-37740-4569 had complied with provisions of Title 28, Chapter 46 of the United States Code and is hereby nationally authorized to make regulated Private and Consumer Loans at their address.
The instructions were to fax over Valid Id, SS Card, Proof of income, and 2 (Two) Reference.
I was somewhat suspicious and did ask a few questions, but she always had an answer. I even checked the Better Business Bureau Listing, and did other checks. Some brought up information and others did not.
Once I told her that I had the money. She said that I need to take it to Western Union and send it to Christopher McFarland for the Insurance who happened to be in Canada. I asked her why Canada. She stated that that is how her company did their business as well as some other excuse. I really became suspicious at that point, but as I had been talking to her off and on for a month felt that she was on the up and up. Not so. She told me that the money would be in my account within 24 to 48 hours after I sent to funds to Christopher McFarland for insurance. I called her the next day and she said that she was going to her accounting department to see what happened. To date, she will not answer her telephone OR return my message. Beware, beware, beware..!!!
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