I was applying for loans on the web because i was trying to get a loan to pay for a lawyer. I was contacted by michael dickerson (ext602) from image financial corperation regarding a loan that i was pre approved for in the amount of $5000. Which is the amount that i was applying for. They sent me a bunch of information and requested some info for me. They asked for a picture of my drivers licence, a copy of a recent pay stub and a utility bill. They said that they needed to confirm my idintity. They called me back and said that i was approved for the $5000 and they could have it in my account within 24-48 hours. They asked for my bank information to speed up getting me my funds.
I was hesitant at first but i was so desperate to get the funds for the lawyer that i went with my gut feeling. I usally can make decisions very well going with my gut feeling. This time i should have thought about it and not went on feelings.
I gave them the info then he called me back and said that they found a lender and need to have an insurance company set up to protect them from a defalt on the loan by my part. They had me send them $700 to secure the loan. They had me send it western union to Anaida Avedian in Toranto, Canada he said that he was a currior for the lender. He guarenteed that i would receive my funds i asked him 3-4 times. I explained to him that i was using money that i was going to use to make a truck payment and bills so i need to make sure that i was going to receive the loan. He told me yes dont worry you will have the funds in a few days and you will be able to take care of all of your financial needs. He was convincing.
After 2-3 days i called back becasue i had not received the funds he said that it is taking longer then normal because of the volume of loans going out. So i waited a few more days. I tried to call back and i did not get an answer i left multiple messages and got no reply back. So i started calling diffrent extentions and each person would say that i needed to contact my agent because only he has my file. I asked if i could speak to a supervisor and they said that they couldnt transfer me i needed to call him.
After the weekend and a few more unanswered phone calls i sent a fax telling them that they needed to call me back or i would report them to the better buisness burau. Within about an hour he called me back and said that he was trying to call me at work and the call was not going through. He said that he had my extention wrong. He would check on my funds and call me back. I said no put me on hold and check. I was on hold for about ten min and he said that he had spoken to the lendor and they were requiring another $700 to secure the policy because of my credit. And that i wouldent have to make a payment for 6 months. I said i cant come up with anymore money. He said then they could do a refund but it would take a month to get it back. I needed that money so i borrowed the money from a freind. I was dishonest with him why i was borrowing it. I then sent that payment western union to the same guy in Canada.
He told me since i was so fast at getting them the money to secure the insurance policy that they would get the mony to me in 12-24 hours. I told him that i wouldnt send anything until i got something in writing. So they sent me a promisary note stating what i was told. I didnt get the fax so i called and the refaxed it. I got the fax and it stated what they had told me so i sent the payment. When i got back from making the payment another fax was on my desk it was the first fax. It looked the same but on the side had the items that were edited.
I got suspisious so i looked on the BBB website for the names of the lendors that were edited (Intreped Credit services and Stckwell resources) on the report i got back i stated that these companys were fradulant and had a similiar situation posted. When i had looked up image financial when this first happened. It stated that they were on there and were in good standing 2 complantes and 2 resolved complantes.
This is when i got very suspicious, after a day or so they called me back and said that they were going to need another $700 i went off on them asking why ii need to send $2100 to get a $5000 loan if i had the $2100 lying around i would not be asking for any money. I got him to let me talk to his supervisor and she gave me a bunch of BS and finally i said just refund my money she said ok you will have it in 1 to 2 months. I asked if i got them the funds same day why cant they get me the funds faster and she said somthing about a fund or somthing that they put it into and legally they cant it out. It takes one month for them to be able to get the refund. I said fine just do it. I pretty much knew at this time i got screwed. It has been 1 1/2 months and still no retern and they wont answer the phone at any extention.
This has set me back so much i almost got my truck reposesed, i almost got evicted by this and my girlfriend almost left me. These people screw up lives. Dont trust them. I wish there was something i could do but from what i have read since it was sent to Canada there is nothing that i can do.
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