I had applied for a loan online and on July 6 I was contacted by a group named Cardinal Soultions. The Lady stated her name was Monica Greenway and that I had been approved for a $25,000.00 loan and they work with banks and lenders all over North America. She informed me that the loan papers had been send to my email and I needed to read and sign them and get them back to her as soon as I could that the contract was only good until July 13. After reviewing the documents which looked like they were very legal and they were even signed by the CEO Danielle Tetp of Cardinal Soultions, I faxed the papers back to Monica Greenway who is reportadly a Senior Loan Consultant. I then received a phone call from her stating that the independant consultant that approved my loan needed the first and second monthly payment up front before he would release the loan because that is what his Insurance company told him. Monica Greenway informed me that I needed to Western Union money to Reginald Manin in Onterio Cananda. I asked her way it wasn't a company, and she said that it was a private investor, but she explained to me that I needed to be quick about it that it was on a Saturday and they wanted to get this money into my account as soon as possible and once Reginald Manin received the money they would wire the money into my account within 45 minutes. I explained that my bank was not open and that it wouldn't be in my account until the following business day on Tuesday. She explained to me that we were running out of time and I needed to send this money today. I went down to the Western Union and sent the money to Reginald Manin and she called me to get the MTNC number from the Western Union form and told me she would call me back. She called me back around 5PM my time on Saturday and informed me that he had picked up the money and everything was good to go, but Cardinal Solutions was closing for the day but she would be in on Sunday to get this taking care of because of all the problems we had. On Sunday July 8 around 12:30 PM I received a phone call from Monica Greenway again and she stated there had been a problem with the Insurance Company and after reviewing my Credit Report a second time they needed an additional $642.00 and then I would not have to make a payment until December. I explained to her that I had discussed this situation with my mother and my fiance and that I felt that this situation I had gotten myself into was a scam! I told her I would contact her back on the following working day. Then on Monday, July 9 Monica Greenway called me back around 2PM and asked me what I was going to send the extra 2 additional payments. I explained to her that I was not sending any more money out that I knew this was a scam and I wanted the whole amount that I had spent on Western Union refunded to me! She explained that she would contact Regianld Manin and that he only did refunds to people at the end of the month. I explained to her that he was in such a hurry to get his money for the loan, and now I was not signing the contract with him and I wanted my money back today. She said she fully understood and that she was going to talk with the CEO of the company and see if they could not pay the extra $642.00 because I kept telling her that I had been scamed and that she was very upset because she takes her job very seriously and that this company has helped thousands of people over a 20 year period and she had been with the company for 15 years, so she was going to make this right and that she would call me back in 20 minutes. I never have heard from her again!!!
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