I applied for a personal loan on line. The Adolph Financial Group was one of the companies that responded. I was contacted by Edward Ganza. This company made a reasonal offer (7 % interest rates). I accepted it.
Loan papers were faxed to me. I signed and returned them. Next, a Richard Green called me stating that the loan could not be processed until I paid a broker's fee (763.17 $39.99 service charge). The service charge was to be refunded. I was to send the money by Western Union. My representative was an Edward Ganza.
I told Richard Green that that Edward Ganza had never said anything about such a fee. He said that Edward Ganza was new and did not know about the fee.
I wired the money to Arron Hazard at 11 Union St.in Ajax, Ontario Canada. This transaction took place 06/18/09. Then JJ Jansen called on 06/19/09 and said that I had to pay an additional of $750.00 plus $55.99 service charge.
This was the last fee, and I would get the money that same day. He said that because of the inconvience, they were giving me an additional $2000 at the same 7% interest rate.
I asked if there were any more hidden charges. He said no. This was the last fee. Again, I wired the money through Western Union.
When I did not get the money, I called back. I spoke with JJ Jansen. He said that he was the Supervisor. He said that the money had been sent, but that my bank (Chase) would not accept it. He said that I needed to go to the bank and talk with them. He said that I did not have the correct routing information.
I went back to my bank, and I was told that I did not need anything else. I called back and spoke with a Suzan Howard. She kept telling me that there was a problem with my bank, and the money was out there in limbo.
I called again and spoke with JJ Jansen. He said that I needed to send them $500 $32.00 service chage to have the money released. This was on 06/22/09.
I wired the money to Dwayne Roberts at 11 Murry, in Tickering Ontario, Canada.
I called back and was told that I needed to paid another $900 to convert the money to US dollars. The lender would not pay this fee. At that time, I asked for a refund.
I was told that I had to call back on 06/27/09. I needed to talk with the finance department to get a refund, and it was only opened on a Saturday.
I called back on 6/27/09 and received only voice mail. I called several times that day and left messages. No one called me back.
On 06/29/09, I called them again. I talked with Michelle who told me that there was nothing that she could do. I had to call back on 07/04/09. I asked if there would be anyone there, because it was a holiday. She said that there would be someone there.
I called on 07/04/09 and only got voice mail. I left word No one called me back. I have been calling everyday and requesting a refund.
I have been given so many stories. I was told that the money was sent on 06/22/09. I was told that it would take six weeks to get a refund. I was told that they had not heard from the lender and it was up to that person if I would get a refund.
I was told that the lender was Canadalend. Then, I was told that they could not tell me who the lender was. I was told that filing a compliant would not do any good.
Today, I spoke with Daniel Talski who said that the money was sent to me; however, it was returned. They had they wrong address. He went on to give an address that was not even close to may address. I stated that I never gave them such an address. They were the ones to make a mistake.
He said that they would not pay to resend the refund. Since, I request a refund by check, I told him to resend and that I would pay the postage due.
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