At the end of September of I was approved for a $8000 loan. Yeah, with a credit poor like mine, it sounded to good to be true!
Desperate for money, I had accepted the loan. They told me it was an unsecured loan. I would have three options to get this loan - 1.) A co-signer, 2.) something to put up as collateral that couldn't be no more than 2 years old, and 3.) pay for insurance which was $800. My mother had co-signed for me but unfortantely, my mother did not make $40,000 a year so they denied her. I thought really hard at my other options and I REALLY needed this bad so I asked one of my siblings to lend me the money. He was very greatful and I told him I would pay him extra for lending me the money.
So, I had called the guy back and told him I have the money, what do I do next? He told me he would email me a contract and I would have to send the $800 through Western Union. I was a little confused about this situation but I recieved his email, faxed over what he needed from me then proceeded in wiring the money to him but to a different person named, Carlect Fisher. I questioned him why aren't I wiring this money to your financial bank he and said that she is the main person who takes care of the financial paper work. Then he asked for my routing number and account number so they could wire the money to my account in 3 business days. Well on day 2 before the money was wired to my checking account, James Carson had called me and told me there was as issue about the insurance company. He told me they backed out and asked for more funds. He appoligized and said it was very unprofessional for them to do that so he told me that there is other insurance companies that will take my file but it may take up to 2 weeks before he can find the right one. He told me I can request for a refund and he told me that it will take up to 30 business days.
I still needed the money bad so I asked him if there were other insurance companies that were willing to take me as their client. He said no, not unless I pay the additional funds. He said he will schedule a couple of meetings with other insurance companies and see if they will reduce the amount. He said one company is willing take take an additional $300. So, I said okay. I went to a cash advance loan office and borrowed $300. He then again told me to wire it through Western Union and to send it to Falmore Francis. I wired it to him and James told me that my money will be in my account tomorrow morning at 10 am. I asked him if it was a garauntee and he said yes.
Saturday had gone by and still no money in my account. I had called him back on Monday and he said I had to pay additional funds of $300 due to border tax fees. He said that the reason for that matter is because of money laundering and scams that are happening around the world. But... I had to wire it to Falmore Francis again which was kind of weird to me. I asked him why wasn't I wiring it to the Embassy or the border tax office and he said because they need some kind of reciept but I said well they get some kind of receipt anyways when they get the money and he said it's what company policy is. So, again, I proceeded in sending him the $300. James had garaunteed me the funds will be in my account at 6pm on that day.
So, 5 o'clock came by then 6 o'clock then 6:30... Still no money! I had called him at his office and he told me due to the rain, there was a delay of some kind of connections with the wiring so it may take another half an hour to an hour. So I waited till then, still no money. I had called him back and he said he would look into it but in the meantime, call him tomorrow, first thing in the morning.
I called him first thing in the morning and he said the private loan person said he needs security of first months payment and the very last month payment. I told him... No... You gotta be kidding me. And he said it's because of my credit report. He said I had "lousey" credit. I got angry at him and told me that this company is unprofessional and that he needs to get his priorities straight. Then, still desperate for what I could get out of this, my boss at my work had gave me a paycheck advance of $400 and wired it to that Falmore Francis guy or girl. The that stupid guy "James" had promised me that it would be in my account again at 2pm. I gave it until 3pm and still no money in my account so I told him off and he told me it's because the insurance company had backed off to my offer and now I had to pay additional funds for the insurance so then I told him he was a scammer and that I demand a refund. He said okay and he would proceed in the refund.
So Novemeber 22 is the due date of my refund. I had contacted him yesterday, November 9th and he told me I had to pay additional $370 for border tax fees. I told hi Hell no and that I demand him to give me money back. He said no not without the border tax fees and told him no because I already paid the border tax fees and had no loan. So, I had gotten Jamaica authorities involved. Well see what's going to happen next.
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