I applied for a loan on line through the internet to the Harris & Burke Financial. A so-called representative named Samuel Everett answered my application and called me back and left a message on my answering service that my loan had been approved and I needed to return his call.
I called Sam Everett back and he went over the procedures with me and told me that he would be emailing me some loan agreement documents that I would have to sign and return to him. Because I had applied for a $5000 loan he stated that the Lender would want $903.56 upfront to process the loan and that I would not have to pay until October because the Lender was requesting 4 months of payments since I did not have any collateral on this unsecured loan and because my credit score was not 600 but close to it.
The loan papers seemed very legal and I did look up this company on usacomplaints.com in which at that time I did not find anything bad about this company. Since I was asking for that much and I did not have a co-signor nor any collateral, I thought paying a security down payment was ok and that I would not have to pay my monthly payments until October which will be deducted from the principle of the loan. All of it seemed very legit. The loan agreement papers were set up very professionally and legal.
I read the Loan Agreement papers and they stated that after the Lender reviews the Loan Agreement that the Lender could ask for more deposit on the Loan. I was told from Samuel Everett that all the Lender wanted was the $903.56 at that time. Sam told me to send him my Bank account info and my identification (driver license & social security card) so that they could forward the money into my account the next day after I sent them the payment of $903.56. He also told me that if they took it from my bank account it would take a few days, but if I wanted to send the money to them faster in order to get the $5000 from them quicker, I could send my deposit by Western Union. So I sent the amount of $971.00 by Western Union to the Lender, Roger Carloson in Toronto Canada. This is the person that Samuel Everett stated was the Lender. Western Union charged me $68.00 to send this money to Canada.
After the money was sent, I called Sam Everett and he told me that the Lender wanted another $903 in order to process the Loan because after he reviewed my credit report, he needed more security on that Loan. I stated then to Samuel Everett that I could not and would not do that and that I wanted my money refunded. I did not think that I should have to pay another $903 for a $5000 loan, because then it made it seem that I would be getting only $3000, even though Sam had stated that this amount would be deducted from the principle amount and that I still would be getting the $5000 deposited into my account. I still agreed not to send anymore money. Then Sam stated that the Lender would return my funds on June 3, the monthly billing cycle of the Lender. It's also stated in the Loan papers. I said ok, again thinking that these people were legit.
A few days after giving this situation some careful thought, I called Samuel Everett about my refund but now there is only an answering service - no live person to pick up the telephone. I then faxed Samuel Everett to tell him that I wanted my refund back immediately. I stated why does the Lender have to wait 30 days to return my refund when he knew the day that he received my security deposit that he did not need to post my funds to his account. It is now May 13th and since May 4th I have not heard from Samuel Everett. I have left messages on the phone that he had provided and there has been no return call from Samuel Everett. I wrote their so-called customer service that is listed on their website. No one has responded. Now I know that I don't have to wait until June 3rd because I have been scammed.
I want to take this situation further with the authorities because this is very bad business that these scammers are preying on poor people that are already in need of money and they are ripping them off of what they have just because they have bad credit. These people need to be stopped before they carry this scam any further. Not only do they scam you out of your money but also your identification and bank account numbers all in one. Now I maybe a victim of identity theft because of these thieves. So by any means necessary, I am willing to help the authorities to catch these thieves that prey on other people. I read the other people on this site and what this company had done to them.
June 3rd is not here yet and I believe that I will never hear from these people ever again for the reasons stated above, unless it is in court.
I'm just sorry that I didn't see any information about this so-called company before I got involved with these thieves. Maybe if someone reads my information, it will help the next person. Thank God and the person who invented this website to allow me to spread this information here.
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