Pretty much, about two weeks ago, I was looking for a loan. I couldn't exactly get one because of my "not so great" credit. I filled out a bunch of inquiries online and got denied, denied, denied, but then one day I got a call from a Walton's Financial Group and said they would try to find a lender to get me approved.
A few days later I get a call from "Emily Sonne" that I was approved and at that point the contract was sent to me and looked incredibly legit. I was impressed. I even had my manager and my brother look at it and they agreed it looked pretty standard. I was a bit reluctant because the company was based out of Canada. But because I was desperate and got the "ok" from the people around me, I signed the contract. The lady told me i needed a cosigner or pay the insurance fee due to the fact that they would be taking a high risk. I paid the $900 fee. It was wired to a Craig Thomas in NY. It was picked up and they told me that my account would be funded two days later.
Two days came and went. I never got funded. I called and they would hardly ever pick up the phone. I would leave messages and finally a Michelle Lipinksy picked up and said she would look into what the hold up was. She never called back that day but the next day she said that it was held up because of the interational tax bracket fee of $465. She said i could pay that or get reimbursed for the original $900. I said I would like to be reimbursed.
She never called me back. The day i didn't get funded I got curious and looked them up in the BBB for Canada and apparently they are known to pull the "advance fee" loan scam on Americans. They were known to be under other names as well.
Pretty much where it stands right now is that I'm out $900 or $985 if you count the Western Union fee. Western Union said I could get back the money unless the person would be prosecuted and convicted. They suggested i file a case with the NY police department and with my local police department. I called the NY police department and the lady said they couldn't do anything because it was a "civil" matter.
How can I file a civil case if that company is "non existant"? I'm extremely frustrated. My bank said they would try their best to get my money back if western union wouldn't cooperate as long as I filed a report with my local Police Department, which i will be doing today after work. I doubt I'll get back the money. It doesn't even matter to me anymore. It's the fact that these people may be pulling this on other americans.
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