On November 21, I signed a contract for a $10,000 personal loan from Pendergraph Lending Solutions in Chicago, IL. The loan was at a good interest rate and the payments were $272.49 per month for 84 months. I was told by Erin Lee, a Pendergraph representative that the company required two months' payments in advance, totaling $544.98. The money was to be transferred via Western Union to Hilary Grant in JAMAICA. Ms. Grant (Pendergraph's underwriter) decided she needed an additional $544.98. I cancelled the loan because I could not come up with another $544.98 and realized that this was ILLEGAL (at least in California). I was informed by Ms. Lee that I would receive a refund for my already-paid $544.98 in January. I have yet to see this money. I am in the process of filing a report with the Chicago FBI.
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