Well this time it wasn't Guardian Financial calling me (they were too rude to keep alive very long - making people suspicious). This time it was a real sweet talking lady at Central Support & Savings (she said) and she was trying to do the exact same thing as guardian. Trying to get me to ok her to take $299 out of my checking account for a $2,000 credit line on a VISA card, not a catalog credit card (she says). So this time I asked her what city was she in and when she said Champlain New York, I told her that's exactly where this other place was who scammed me (but I got my money back real fast, though I didn't tell her that). She said well you can get your money back from scams like that from your bank. They have to get your money back to you. Well she was right about that, cause if your bank is a decent bank, they will file a regulation E file on the rip off and put in a charge-back to get your money back into your account within about 2-3 days. Pretty simple, at least for me it was. But that doesn't mean I was not stressed out over worrying about the $249 I had let Guardian take from me, before I knew how to get revenge on them!
This lady at Central Support & Savings (these were her exact words - yet in the Better Business Bureau's search-enginer for fraudulent companies, they are listed as Central Supply & Savings out of Champlain, but with the identical phone # that I had) was very nice... Her name was Jennifer Carter, employee number 7139 (she told me). She answered every single question I asked her and there were a few believe me, after the Guardian scam, and she was so nice, and informative and all. But I still sensed a red flag when she told me she would call me back around 3 hours later after I've had time to think. That's a little desperate-sounding to me. A legitimate company wouldn't rush you like that.in fact they would just assume you come to them, not them come to you - like a starving maniac...
I remembered everything I learned on the scam from Guardian. If it sounds too good to be true, it is, no matter what. Regular banks and credit companies DO NOT lend money out the yang-yang to people who have proven in the past to be a risk! It's just not the way America does business. She's a smarter country than that! She tries to bank on solid reputations - after all in this country, your rep is all you've got to tell people what your like and I'm sorry I ruined mine with messed up credit and all about 10 years ago. I'm now working to get my credit back on track - but guess how? The hard way - by having secured credit cards that don't trust you, and make you put up a security deposit first, then you make payments on time to prove yourself. And also by having my rent reported to the bureaus every month too - after all i'm throwing $800 a month into a rental situation, it may as well have a positive impact on my credit somehow - cause I cant be a homeowner just yet, till I straighten out my credit big time. So my working hard, paying what small itty bitty loans you can get, on time, and proving to companies that your word once again is good, then you get a real credit company or bank to give you a real VISA or MC with a $1,000 or $2,000 line - once you've proven yourself again. Which takes time too, about 4-8 years, and it's tough. But you sure feel good in the end when you know you did it all the honest way, and you paid your dues. It stinks when you know your name is no good to most creditors!!! I hate that...
But No Creditor or Bank in their right mind is going to loan someone $2,000 up front, unsecured, with a bad name... Trust me!
So, here's to you Jennifer, at Central Support & Savings in good ol Champlain, New Yok. NO! The answer is NO NO NO NO!!!
I will not give you my hard earned money to never see what i paid for... No ijust won't let you scam me...
I'd rather have my money in the bank to buy something necessary like food, gas, or pay bills, than to let you take it because you said you will give me more... NO WAY...
And thank you Guardian Financial for causing me to be A learner and I got so much smarter after dealing with you... Now I know how to say no real quick, and not even listen to the lies and scams.
Beginners, DON'T DO IT - You will be sorry. Take it from a poor girl who has learned the hard way. I don't have money to throw to these punks. Do you? No one does. Not even a rich person would stay rich long if they did that. But us poor folk who have to work every single day for next weeks bills to be paid, it hurts us a little harder because we have a lot less...
Don't do it -a million times... Don't do it. Tell them no no no.
0 comments