National Trust Financial group is a total fraud. I applied for a loan on-line and a few days later received a call from Richard Goldman of National Trust Financial. He said he had a loan offer for $7,000.00 for me from a private lender at an interest rate of 7%. A traditional lender would not lend to me because of my credit. This was to be a secured loan and I would have to send 5 monthly payments for a total of $1,075.00. I only had 2 days left on the offer, so I had to act immediately.
This sounded great, it would give me the opportunity to pay some bills off before having to begin paying back this loan. I explained to him that I absolutely could not send this money unless I would have the $7,000 deposited in my bank account within 24 hours. He assured me it would and had the accounting department send me a letter guaranteeing me the $7,000.00 loan.
I had to send them a copy of my driver's lisence and a check stub from my employer. This was to prove I was really who I said I was and to prove I was employed.
The next step was to wire the money to an Annette Miller in Coral Lake, Canada. She was the representative for the private lender. I needed to go to a Walmart because they were the cheapest to wire money. I was also told to tell them I knew the recipient, or I would have to pay a business tax.
Well, 24 hours later, no money but a call from a Terry from customer service. The insurance agency for the lender felt I was too much of a risk, and required another $1,075.00 security deposit. I told him that Richard had sent me a guarantee of the loan and he said it was invalid, because the contract said the lender could change their mind. I was not sending another dime and requested an immediate refund of my original deposit. Of course he said I could not get that until December 31, as this was according to my billing cycle.
I then asked Terry to fax me a letter explaining that my loan was denied and that I would be getting this refund. After a second request to him and rude treatment, he did send a fax just for the refund, but it was dated to be refunded for 1-01. Again I called him back and asked for a corrected date, which he did not send. Another call landed me with Peter who immediately faxed me a letter with the correct refund date, but it was a receipt for the refund. How could they send me a receipt for a refund I hadn't received. Since then, they have not answered my calls, customer service is always busy.
Well, my refund is due today, via Federal Express (as per Terry). But Fed Ex. Has no record of an envelope/package for me. I need a tracking number from the sending company. As I figured, when calling National Trust, it doesn't ring, the recording just says "good-bye". I guess that is to me and my money.
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