I tried to get a $5000 loan from this phony company and fortunately I backed out at the last minute. The guy there (almost definitely the only person there, yes he goes by the name Carrie, which in most cases is a female name, but there are exceptions) told me that I was approved for a 3 year loan, where I would pay $160 per month. It sounded reasonable and he faxed me paperwork. I signed it and then he told me that due to my credit, I had to secure the loan by paying $800 up front (the first 5 months). It made me suspicious because I figured—why not take that money out of the $5000? Also, if I'm asking for a loan, it would mean that I'm short on funds and asking for 5 months up front before receiving anything sounded strange. He wanted for me to send the $800 through Moneygram. I went to the closest location and got the paperwork that he told me to ask for. He had said that I would be reimbursed for the $14 and change needed to complete the Moneygram transaction. I called him and asked him where I should send it and after telling me that it's going to the individual lender and giving me the name Elizabeth N. Reister and sending it to Willow Lake, Alberta, Canada, I sensed that something wasn't right here.
I then did some research online and everything that this guy did was listed as a red flag for an Advanced Fee Loan Scam. The address in Independence, Ohio is a real address (it's an office building in an industrial park), but there is no Moneta Lending Group there. There appears to be a legitimate company with a similar name in St. Louis, which this Carrie crook is using. Using a similar name to a legitimate business is one of the typical things that creeps like this do.
The website—www.monetalending.com—while saying it's an over 20 year business, the domain name was created on November 21st. The IP address points to India and the website was registered in the Netherlands. And this Carrie (obviously a phony name) claims that they are a legitimate lender and that there are no negative reports by the Better Business Bureau. Obviously there aren't, since I was communicating with him less than a week after he opened his illegal, scamming company.
This heartless animal has probably appeared with other names with other companies. What kind of life is that—going around scamming people who are having temporary financial burdens? What a complete loser! This guy did get some personal information of mine, but I made the necessary steps to prevent him from using it for identity theft, which I'm sure that he will try to do.
The lesson—as much as you feel you need a loan, don't fall prey to these diseased people. I read stories about those that did send and have their money stolen, which I feel very bad about. Believe me, if this guy had stolen my money, I wouldn't be writing so nicely here. I had $16 stolen from my sneaker in college when I was playing volleyball and I was annoyed. This guy tried to steal 50 times that. I would have dedicated whatever free time I had to track him down. Nobody is going to steal money from me and get away with it, especially a slimy weasel like Carrie Young.
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