This happened over the course of a few days: 9/28 - 9/30.
I was in desperate need of a loan and found this company online. They emailed and said they could lend me $15,000 but I had to put up "collateral." I had three choices, put up my car, buy an insurance policy from them, or get a co-signer. My choice was to buy their insurance policy for $750.00. They didn't tell me until I was approved that they wanted cash only sent through Western Union. I balked and complained, but since I really need the money, I agreed. And they told me that because I was sending the cash via "Money in Minutes" the "disbursement" would arrive within a 2-3 hour window. I did get them to send me the actual contract which eased my mind a bit. I borrowed the $750 from my ex-husband and went to Western Union and sent the money to a third party 'investor' in Florida. (The Co. Is in Connecticut). Of course, the money didn't arrive. I left voicemail for them which made me hopeful. At least they still HAD voicemail. This was a Wednesday evening. I left messages on Thursday, but as the day wore on, I felt more and more that I was scammed. BUT! Early on Friday morning I got a call from a Customer Service person who said I needed to send an additional $550.00 because there was a computer glitch that categorized me as a returning customer instead of a new customer and the price was different for a new customer. Well, I really started to get angry and asked what guarantee do I have that I'll really get this money, blah, blah. I got pretty pissed and raised my voice a bit and suddenly the phone went dead. I knew the customer svc. Rep had hung up on me. I felt so defeated at that point. Then, she miraculously called back! In some twisted way, I thought it was a good thing. She didn't just hang up never to return so maybe this was legit! I still hesitated a bit, though. I had to really beg to get the first $750; this next chunk of money would be even more difficult to get. We agreed to speak the next morning to confirm the additional deposit was a go. Then proceed from there. Well, I sent the additional money, but it took a bit more time then I had anticipated, but still it was done. When I called in to supply them with the Western Union tracking/confirmation number I spoke to a different Customer Svc. Rep, but he said he was aware of where Julie and I were in the process and he would handle it. It is now about 4:30pm PST on Friday. Nevertheless, Mr. Brown congratulated me and said my funds would probably arrive within 2 to 3 hours. I was thrilled! Maybe I wouldn't get evicted afterall! Well, you may have guessed, the funds didn't arrive that night. They didn't arrive Saturday morning, either, so I called and left a message. Julie called me later in the day and asked what happened and I said, "you tell me! I sent the additional money, I did what you said, and if you want me to fax the proof..." The phone was silent on the other end. That b*tch hung up on me AGAIN!!! Now I was livid! I waited, but no call back. No call that evening.
I began calling again yesterday at 4am. I got voicemail. I called every hour on the hour all Monday.By the end I threatened to call the US Attorney General's office, I threatened to call the local Connecticut cops and have them arrested, I accused them of trickery and of being cowards and thieves. Probably wasn't the best way to get them to call me back, but WTF??? I sent a fax today thanking them for f*king with my life. No response.
This certainly has put me in a world of trouble. Now all my bills will be late or I can't pay them at all! I work on commission, so spending all this time trying to secure this loan, worrying about my situation, etc., has made it pretty difficult to do my 'work, work'. I really am screwed. I am waiting for my landlord to start the eviction process (he already gave me a 3 day pay or quit notice) so I am now on borrowed time. Please help. I'm at the end of my rope! Literally! Thank you. I will contact the Conn. State Attny's office in the morning.
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