I was called by Jason Banks and told that due to my online search for loans, I would qualify with their company for $10,000, but needed to put the first eight months of my monthly payment ($192.90) up front, by sending a Money Gram in the amount of $1540.00 to a Ms. Alice McFadden, and my $10,000 would be wired into my Wells Fargo Account within one hour.
I was faxed the contract, which specified these exact terms, signed by Richard C. Davidson, CEO — I signed it, faxed it back, and proceeded with wiring the money. I was phoned the next day by Dennis Weaver, who introduced himself as the Customer Service Manager, explaining there was a 'Complication.' He said that upon further review, my poor credit standing would require I send yet another $1540. Upon calling Mr. Weaver back with the Money Gram Reference No., he told me the money would be in my account the next day (Sat.); and 'Worse case scenario, Monday.' Interesting enough, I could not get ahold of Mr. Weaver at all today, upon not seeing the $10,000 had been put into my account. After relentless calling, leaving messages and finally calling the 'Original' Account Executive, Jason Banks, I was told by him that Mr. Weaver was in a 'Meeting, ' (for six hours?), and that he would leave a note on Mr. Weaver's desk to give me a call! Upon my third call to Jason Banks, he gave me the name of a Mr. David Oliver, asking that I call him becaue he could not transfer me as he didn't have a 'Switchboard (??).' Mr. Oliver put me on hold for quite awhile, saying he had to 'Retrieve' my file. He got back on the line and then delivered a story of how he'd been working on my file for SIX hours trying to find a solution, since the lender (Ms. McFadden) had backed-out. I immediately responded, saying, 'I have no more money I can put forth, ' to which he WENT OFF YELLING and SCREAMMING at me, saying that he wasn't even going to help me if I didn't stop interrupting him. He did his best to be highly intimidating.
He proceeded to tell me he'd found another lender, one who has millions of dollars in Stanford Financial and he's NEVER backed-out, however, this lender is only willing to lend $20,000, but under the same repayment terms of $192.90/mo., but for ten years; however, AGAIN, I would need to Money Gram another eighteen months of premium, a total of $3080.00, and now to an Alicia Jobby in Canada and the $20,00 will definitely be wired into my account within four to six hours or they could refund the $3080.00 I've already paid, but not until Dec. 15.??? He did not respond when I asked why so long? When he sensed I was thinking about it, Mr. Oliver calmed way down... Yet when I requested he send me a new contract first, he said that would be sent with my 'Welcome Package, ' AFTER the fact??? When I pressed further as to what would happen if something else 'Complicated' came up again tomorrow, as has been doing, he became frustrated insisting this lender has NEVER EVER backed out and 'That's not what we're looking at!'
So, is this company a total scam NEVER intending to even reimbursing the money I've borrowed to do this, or do they stall, to make money on the interest they're accruing as they jerk you around, until they get the full amount they require in order to be secured to release the funds?
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