On April 12, 2006 I applied to a newspaper ad titled "NO CREDIT-BAD CREDIT" and call the toll-free telephone number (800-367-0063). A woman answered the telephone and I gave her my personal information, to apply for a loan. On April 19, 2006 I received a message from a man (I use that term loosely) named "Ray Peters" stating I was "approved" for a loan and he would like for me to return his call (416-848-9691) to discuss the terms of the loan. I returned his call later in the afternoon and "Ray Peters" told me I was approved for a loan of U.S. $6, 000. "Ray Peters" said for me to receive the loan, I would need to send "Jason Smith in Toronto, Canada" a "security deposit" of U.S. $820 because of my credit, which was to be refunded after three months (to include the Western Union fees) if I did not experience any difficulty making the loan payments. I was excited over the fact of being approved for a loan, and was not thinking rationally (why would I need to send a security deposit for a personal loan?). Anyways, I agreed with the terms "Ray Peters" offered me and he said he was going to fax me the loan papers that explained the loan further. Also, he explained to me wanted me fax him pages 4 and 5 (a page for me to enclose my bank information for the direct deposit of my loan and a signature page) along with the receipt from Western Union. After doing so, I was to have U.S. $6, 000 deposited into my checking account within 48 hours. On April 22, 2006 I did not receive my loan and I called "Ray Peters" to ask if there was a problem. He told me that he needed me to send U.S. $700 because of my credit. I told him I would not send him any more money, because we previously agreed to the terms on April 19. He asked me if I wanted a refund, which I told him I did. He told me afterwards that I should receive a refund check in the mail within a week to include the Western Union fees (total of U.S. $922.99). A week passed I did not receive the check. On May 2, 2006 I contacted "Ray Peters" due to not receiving my refund check and I was told I should receive by the end of the week. I did not believe him and ask if there was a way he could verify it and he told me his computer says I will receive the check on Friday (May 5, 2006). Another week passed and I have not received the refund check. I contacted "Ray Peters" on May 8, 2006 and ask about the status of my refund check. I was told I needed to wait and I will receive the refund check by the end of the week. Since the phone call on May 8, 2006, I have not received a refund check from "Global Financial". The two contact numbers have since been disconnected, but I believe "Ray Peters" and his female accomplist can get caught in the act. I have notified Project Phonebusters and the local authorities. I wish I could go up to Toronto and let "Ray Peters" and "Global Financial" know the made the wrong person angry, but I've discovered they use fake names and stolen cell phones. I just wish I was thinking more rationally that day, and not send $820 that was suppossed to go towards bills, and cause me to be in the bind I'm in now. I hope somebody read this before being scammed like myself and other already have.
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