So, I was one of those people who fell for the loan approved scam. I found this company on the internet under a google search for loans for people with bad credit. I contacted the number on the site and received a phone call back in about a day or two from a company rep. This mans name, from what he says is charlie Ficher or Fisher (ext. 684). He told me his company workes not only with the major banks but with private investors, angle invensors and the like to help people get loans with low interst rates, to help them rebuild their credit. This man faxed me a contract that seems very legit. Everything spelled out in the loan, from the amount I would pay every month, to the terms of the loan. The document was signed by this man and I affixed my signature as well. All forms were faxed back and forth between I and him. He then told me that one of the investors that was investing in my loan was from Canada and I would have to money gram her with a 10% down, however, as he verbally explained, and as it's writted out in document form, the 10% was not a fee. It was, after being received by a Cindy Anne Atkinson, from Calgary Canada, to be put back into the loan as the first 7 months payment. I had everthing in writing, everything. And thought I was getting the deal of a life time. I sent 2,550 to this woman in Canada.
Following me sending the money, I was contacted again by this agent and he asked for the confirmation number from money gram. It was given to him and he informed me I would get a welcome packet in the mail. I went to work that night thinking that something was wrong. I researched loan scams on the internet and everything I had just done all lead up to one thing. A big fat scam. The next moring, I was contacted by this companies costumer service. They informed me that according to my contract, the lender had the right to ask for additional collateral after a reassesment of my credit, which they did.in fact, they were asking for another 7 months security of 2550. I have since asked for a refund and it is in my contract that if I ask for one, I will get one. This was also explainned to me by the customer service agent. The money was promised to be back in my account by the 2nd of Jan. Until then, these people have all my information including bank account stuff. If the refund comes back to me, then I guess its not so much a scam, just more of hassle. However, if the money is not given back, such as, they give me some song and dance, I will be contacting the FBI, the BBB, Charlotte Police Dept. And Attorney Generals office of NC. If there is anyone with any suggestions, comments, concerns, please feel free to comment. Ill be updating this information after Jan 2 with further information on weather the contract was true and the money was refunded.
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