Do NOT do business with Patrick Vivian (FRINGE FINANCING) advertising "unsecured loans" in various craig's list communities (FINANCIAL). This is a total SCAM, you will be met by Patrick who will ask you for $500 cash to join as member in his finance co-op. In return he promises loans from $10, 000 to $500, 000.
The loan will never materialize after months of lies, cancelled meetings, no return correspondence of email or phone calls. When Patrick does decide to return correspondence after months of lies, you will be told that you have been funded......but no loan funds materialize.
Please note that Patrick is currently under investigation by various authorities due the numerous complaints against him. Save yourself $500 and months of agony.