On 5/29/09 I applied for a loan on the internet, to Apex Lending Group (3 S. Frederick St. Suite #800, Baltimore, MD 21202). On 6/02/09 I was contacted by Melissa Richards, via my cell phone at whit time se stated that she would email me the with the contract because I had been approved for a $10,000 loan, I was to fax it to her office ASAP. Once I faxed in the form I contacted Mrs. Richards by phone and informed her that I had faxed the form, and that I had the collateral payment of $1,320. I then spoke with a male Jonathan by phone who stated that the loan payment would be deposited into my account by 9:30am on 6/03/09. I checked my account on 6/03/09 at 10:30am at which time the money had not been deposited. I then contacted the company and spoke with Jonathan, at which time he transferred him to his supervisor, Phyllis Young. Phyllis Young informed that I would have to pay the policy premium of $1,900 because I applied for other loans and they were concerned that I would not repay their loan. I called back later and spoke with Jonathan at with time he told me that his supervisor Phyllis Young said he could reduce my policy premium to $950. On 6/05/09 at 10:16am I sent the $950 through Western Union. Jonathan the stated that the loan amount of 10,000 would be in my account in about an hour.
After waiting a little over an hour I checked my account and the money was still not deposited into my account. I then called back at which time Jonathan directed me to Phyllis Young. Phyllis Young told me that the accounting department had changed their mind and that I need to pay the policy premium in full, therefore, I needed to send the additional $950 and then I was assured that I would receive the loan. On 6/08/09 at 4:17pm I sent the additional $950 through Western Union. Phyllis Young advised me then that the money would be in my account first thing in the morning which would be 6/09/09. On 6/09/09 I checked my account several times ant the money had not yet been deposited into my account. I the made numerous attempts over a span of several hours to contact Apex Lending Group by phone. I continued to get a recording that stated Good Bye. After I kept on calling I began to get messages stating SCAM, SCAM, SCAM. After several more attempts I did make contact and with Phyllis Young, at this time she told me the I needed to send $841 for half of the sort for the taxes they had to pay on the Western Union transaction. I told Phyllis Young that I was unable to make that payment and I asked for a refund. Phyllis Young stated that the process for the refund would begin on 6/10/09 and that I should receive a check in the mail with (10) to (15) days.
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