Carla Manuel at this company said that I had a guaranteed $5000 loan. Signed all the papers and sent back. She said because I was a high risk I needed to send $635. Yes, I know, should have sent a red flag up but I really needed the money. The next day she called and said something about the lender thinking I was a much higher risk and that the only way to fund this loan was to get the "insurance" deposit. Foolishly, I did send the money that she claims never got to them so therefore they could not fund the loan. After sending it, I called her. She told me the reason the lender was asking for more was that Equifax called them and questioned them about their company because they were concerned about me. I immediately called Equifax and they told me they never make outgoing calls. Of course Ms. Manuel said they do make outgoing calls and asked if I had a fraud protection coverage on my Equifax account? What? I again contacted Equifax and again was told they do not make outgoing calls for any reason. This has taken more than a week because Ms. Manuel either did not respond to my phone messages or emails. I sent her an email telling her I wanted either my money back or my loan. She finally responded that they will refund the money (only $635 because she is still saying they never received the second $600) but not for another two weeks. We will see if it actually does get returned. Has anybody else had any dealings with this company? I know it's an embarrassing situation to know that you can be dragged into a scam like this. At the same time, these companies know that you are in a desperate situation and take advantage of that. Now I owe other people money as well and still don't have my $5000 loan! It was obviously too good to be true! Lesson learned...
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