On november 28 I recieved a phone call from Kaydie Cocks (spelled correctly) who stated to me that I was approved for my loan of $5000.00. She also indicated to me as seen here before in previous reports that I had 3 different ways to secure my loan due to it being a high risk loan.
The first option was of course placing my car as collateral meaning that if it was paid in full and less than 3 years old I could of used it as collateral. The second option was to pay the first 6 months of the loan which was 978.72. The final option was to purchase an insurance policy for $485 which would cover me if I becomed unemployed and so forth.
So I had Kaydie send me my documents and I took them to my friend who was an ex cop to have it reviewed. We looked over the documents twice, looked over the website and did really see anything wrong. So I money grammed the money to their "courier" Mary Dill in kingston Jamaica. Of course I questioned the whole "courier" idea before sending. Kaydie adv me that I could send it to the company but it would take a week to get confirmation they got the money and that the "courier" is assigned to get the money and bring it back to the representative so they can finish the process.
Ok, the next day I get a phone call from a Michael Pidds who has been assigned my portfolio. This is on Friday November 30. He advises me that my loan will be deposited to my account on Tuesday December 4 by noon. I was excited that I would have this money because we had our car payment, house rent, electric, phone and car insurance all due at the beginning of the month so the loan would cover everything. Tuesday rolls around I get up and check my checking account and nothing. So I call Mr Pidds. He advises me that he has not gotten my loan insured and that it will be here on wednesday. Ok,
So I waited again and still nothing.
Getting highly irate I again call Michael on Thursday and he tells me that my loan was picked up by an insurance company called Sunshine Insurance but they indicated to him that they want another $500 upfront to release the funds. So I said ok, and he tells me to again money gram the funds to a "courier" by the name of Charmaine Campbell by noon and the funds will be in my account by 3 pm.
Now I have sent $985 to them, he tells me that Sunshine Insurance backed out and We will have to wait until Monday to deal with another loan company.in the meantime my bills that I have paid have bounced in my account and caused me returned checks of over $400 that I now have to pay asap so I wont civilly get in trouble for.
Ok, Monday rolls around, I'm calling Mr Pidds and he tells me that I "should" have the funds by noon. Noon rolls around, nothing. He tells me the insurance company wants more funds. I said no. Tuesday comes now December 11 he tells me that He had a meeting with Allstate Insurance and That I had a 98% the loan will be done. Not. He said they wanted an additional $500 and we would get the funds w/in the hour.
Now this has caused me overdrawn account, bounced checks, loss of $985 borrowed from a friend, possible loss of car, possible cancellation of car insurance and Possible getting kicked out of our park due to bounced check and unable to pay rent. Tell me How would you feel right now. I'll tell you. I feel like trying to fly to jamaica, go to 4543 upper waterloo road and strangle Michael Pidds for ripping me off. I'm scared to death that I am going to lose everything because of this. NOT to mention, THIS goes against your credit score too.
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