I was first contacted by Vitech Financial services on Saturday, December 30 by a man named Eric Williams regarding my online loan application. I called to speak with Eric Williams but I could never reach him then finally on January 10, I spoke with Paul Cook. He told me that I was pre-approved for a loan amount of $5000. He faxed me some information and the contract agreement. He told me that part of my contract agreement to receive the $5000 that I had to send $865 via Western Union to a Mark Smith in Canada. Once the Western Union payment was done, I called Paul Cook and gave him the Money Transfer Control Number (MTCN). He told me that I would receive my funds within the next 24-48 hours and as agreed per the contract that the funds would be deposited into my checking account. 24-48 hours passed and no funds were deposited into my account. I called Paul Cook ext. 22, and he told me that because of my credit that I am high risk and that I will need to send the insurance amount of $989 once again via Western Union to Mark Smith in Canada. I understood and agreed to do the payment on January 12. Before the payment, I asked Paul Cooke for a guarantee that this would be done after this payment was received to his company. He sent me a fax stating that the funds will be released to me once I did the payment of the $989. I again, called Paul Cook back and gave him the MTCN number stating that the Western Union payment was done. He said that my funds would be in my account in the next 6-12 hours. I checked my account and again, no funds were available. I called Paul Cook and it took me about 10 times to call before he decided to pick up. This time he told me that I for some reason was not approved with Vitech America and that they had to put me through Vitech Canada and now it would be an additional $1,100 for me to get approved for the loan. Once again, I have a contract stating that I was approved for the loan and now they are stating that I am not approved for the loan. I told him that I did not have the funds and that I wanted to have the total of $1855 refunded back to me. He told me that I would have to wait 30-45 days before I could receive my refund. I told him that it should not take that long to have the funds refunded back to me. He told me that it was company policy. I told him that no where in the contract agreement or on their website does it state that it will take 30-45 days to have the funds refunded back to me if I at any point do agree to continue with the loan. He said it was company policy and that it is not written. He also kept putting me on hold. He placed me on hold at least 6 times throughout the conversation. He told me he had to go to a meeting. I then asked him, "what kind of a sham is this and that I would like to speak to his manager." He stated to me that he was the manager and that he will have to disconnect the call because I called his company a sham.
I do not think that anyone should be treated like this. I do not care if a person's credit is not the greatest. I have just lost $1855 and I really do not think that I will get it back. Currently, I am going to write to the better business bureau and I am going to contact a lawyer regarding this situation. Something has to be done about this company. It is completely unfair and if was up to them... They will leave you flat broke. Anyone who is contacted by this company... Do not follow through with it. The company is a fraud. I have documentation to prove it. Now, I don't know how I am going to pay for my car to get fixed.
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