Omg! Reading the reports of others who have been taken by these vultures makes me realize there are lots of good people who need help and the internet is NOT the place to go to receive it!
My story is similar to others I've read. Around the first of December I was looking for a way out of a lot of payday loan debt and wanted to have some Christmas money. So I went on line and found Credithub.org. I plugged in some information and received a call a couple of days later.
The first scammer in my case was "David Harper". He was a REAL smooth talker.in his first message left on my voicemail, he congratulated me for being approved for a $5000 loan. First red flag!!! I wondered how I was approved so quickly. But desparation definitely clouds your judgment.
So I called him on December 7th to get the details of the loan. It was then that he explained that the loan would need to be secured as I didn't own property and my credit was tarnished. He stated that I would have to send a security deposit of 6 monthly payments totalling $911.64 before I could get the loan. He explained that a certified check was the usual method of paying the deposit, but that exceptions could be made for clients in dire need of funds in which case I could send the money via Western Union. Second red flag!!!
I couldn't send the money until my next payday, which was a week later. I kept forcing the thought out of my mind that this was a scam. But you know what they say about things that are too good to be true! Anyway on payday I called David and he explained that there would be fees totalling $50 to $60 to send the money and seemed genuinely concerned as if I had the "extra" money to spare. He talked me through completing the Western Union forms paying special attention to the spellings of names and cities. The clerk at the store ran into a few problems while wiring the money and hindsight now tells me it was my last way out!!!
I sent $910 to a Jennifer Reynolds in Ontario at a cost of $86! When I called David to give him the MTCN number he assured me that the cost to wire the money would be refunded and that the loan should be in my account no later than 5pm the next business day and a welcome package would follow a week later. He even seemed concerned that I not be in a public place as I gave him my account information for the deposit!
The next day, I received a call from the Customer Service manager, Andrew Davis, advising that there was a problem with my loan! Third red flag!!! When I called and couldn't reach him, I called David back to see what could be the problem. He assured me that it was probably something minor. I was numb because I knew that I had been scammed, but my morbid curiosity made me call Andrew just to see what angle he was coming from.
As soon as he told me that the investors had rejected my collateral as being too low for a loan in the amount I asked for, I lost it! I yelled and told him that I would contact the BBB (which he egged on and encouraged me to do). He said that he wasn't going to go over my options because I was being unprofessional, so I hung up on him! He called back and left a message telling me how immature I was and that he couldn't believe that I work where I do! I calmed down, called back and listened to my "options" which were, of course, to send more money. I explained that I couldn't afford to send more money and that I just wanted him to cancel the loan. He agreed to so and stated that I would get my refund on... January 11th! At least his story was consistent.
I filed a complaint with the Central Florida BBB that day and received a response a week later. I was told that the company was a scam out of Canada and that my complaint had been forwarded to the Royal Canadian Mounted Police.
After reading the accounts of others who had been scammed, I wanted to make my peace with the situation knowing that God has all power and what you sow, you will reap! So all of the scammers involved had better watch out!
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