I was in the process of purchasing a small business and needed some additional resources. Searched over internet and found these people - EZUNSECURED.com. Filled out application online and was contacted by Leo Davis.
After I negotiated their success fee from 10% to 5% I thought this is the comapny I will go with, since I had other people calling me too. But EZUnsecured has as they call it, Professional Services Fee, which in my case was $1,500. Leo told me I had to pay that upfront and sign the package and fax it over to them otherwise they will not start working on my file.
He said you are guaranteed to be approved for $200,000 with your credit score that you are stating. And I have my credit report in my hands.in fact I told them it is 806 but report shows 836. And I am sure my credit score is higher than they are requiring. Everything sounded too good to be true, I was hesitant for couple of days, but decided to go forward with this. I asked several times what if I do not like the interest rate or some other terms, like lengths of the loan, etc, will I receive my money back. Leo replied that I can back out any time and receive my money back. Now they are telling me to forget my money.
After several days I received an email that I was rejected and that they can apply for personally guaranteed loan for me. I said I am ok and I specifically stressed out that as long as it is not less than 2 X $100K lines. Next day I receive an email that my package was submitted to bunch of companies: $100K, $35K and bunch of $25Ks. I asked them to stop that ASAP, was not I clear enough in my email. The replay was they only had one institution for $100K. I said O-OK-ey let's go only with one line for $100K. Then I receive an email that I have to call the company and apply for the loan myself.
At this point I started realizing that I am dealing with wrong people. Why am I paying the so called Professional Services fee and why am I even wasting my time with these people. I asked to cancel everything and I want my money back. The reply was I do not qualify for refund. I said but I confirmed it with Leo several times that I can back out any time and receive full refund. The reply was that I signed the Package docs according to which I do not qualify for refund and that Leo had no reason to mislead or misrepresent. But I guess everyone will agree $1,500 is more than good enough reason for them to lie.
This is how these scammers are making money. The question is why are they keeping my $1,500, I did not receive any professional services from them, they are total mess, right hand does not know what the left hand is doing. I cancelled it because they could not deliver what they were promising. On their Agreement they state I a have right to cancel without penalty, then what is the $1,500 that they are not returning, isn't it a penalty? I decided not to use their services, why can't I receive my money back. This is vey HARD EARNED money and I can not afford to loose it.
LUCKY ME I HAVE RECORDED MY CONVERSATION WITH LEO, thank to today's advanced phone technology. They asked for the recordings, but guess what I am going to send these recordings directly to the Financial Department of Nevada. These type of businesses have to be shut down and scammers like these have to be punished and they have to answer to the justice.
Bottom line is stay away from this company and do not be the next victim: EZUNSECURED.com - JADE ROCK ENTERPRISES - LEO DAVIS - PAMELA DIAZ - KARLA THOMPSON - Monique Johnson. All these people are involved in this scam.
By the way I checked online and I'm not the only victim of theirs, I found at least two other people are their victims too. I hope that State of Nevada officials will finally knock at their door and EZUnsecured will have some explaining to do.
Next thing I will be doing is filing my claim with the State of Nevada Financial Department and hope they will at least loose their license to do business if not more.
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