On September 10, I was contacted via Telephone buy a person going by the name of Ashley Harper. She told me that she was calling from a company called Taylor and Walton Investments, and that they had approved me for a $10,000 loan. She told me that the condition of my approval would rely on a deposit of $825.00, and that the reason for this deposit was because of my poor credit making this a high risk loan. She stated that she would send me my loan documents via email.
On September 14, I received an email with my loan documents and filled them out and sent them back to Ashley Harper via fax who was the person that was taking care of my loan. She called me back to let me know that she had received the documents and that as soon as I wired the $825.00 the company would release my funds. I was given instructions to western union to a man which I don’t remember the name. This alarmed me a little and I asked Ashley Harper why it was being sent to a person and not the company. She told me that it was because that person was the collections manager. I was still apprehensive and told her that I felt uneasy sending the money to a person and that I wanted to do further research. She told me that she could have her supervisor call me the next day to answer any questions I had.
A couple of days later, I received a call from a lady by the name of Emma Whitney. She stated that she was told by Ashley Harper that I was uneasy about the conditions of the loan that was being offered. She assured me that this was a legitimate company, and that as soon as they received the $825.00 they would release the $10,000 loan that they had approved me for. She told me to western union the money to a person named Jennifer Diaz and to call her back with the confirmation number. I wired the money and called her back and gave her the confirmation number. She then told me that that the funds would be deposited into my bank account in 6 to 8 hours. 8 hours later, the money was not deposited. The date of this transaction was September 19. I made numerous calls the next day to Emma and she finally answered after the 10th time. I asked her what happened to my money and she told me that the deposit for my loan had been stopped because they received a call from the Experian credit agency telling them that I have had a lot of inquiries in the past month and wanted to validate this loan. Emma stated that due to this phone call my loan had been suspended because it sent up red flags and that the only way I could get this loan now would be to send another $600 to for some insurance policy to secure the loan. I told her that I felt like I just got ripped off and that I was not going to send any more money and that I wanted my money back. She told me that they could refund my money but that it would take 15 business days, because they had to cancel my loan documents and make sure all my information was secure. She said that it would be deposited into my bank account and provide me with a confirmation number. It is now, October 13, 15 business days later and as I thought no refund.
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