I was online searching for a loan and I entered a little bit of personal information; the next day Emily Sonne, if that's her real name, from Walton's Financial Group, called and stated that I had beem approved for 5, 000 dollars. I was email information about the company and forms requesting info such as: my social security number, driver's license number, references, job location etc.
I recieved the contract, promisary note, etc, and Emily Sonne stated that I either had to buy a 835 dollar insurance policy, that I would have to pay up front or get a cosigner with 10, 000 dollars worth of collateral. Desperate me, agreed to go along with the insurance policy that I had to send via western union. I had to have the test question and answer activated, I now know that people do that when they do not want to use an identification card to pick up the western union.
I had to send the western union to Craig Thomas in Verona, New York. Once this was completed, I had to call Emily Sonne and she asked for the MTCN number off of the western union. She said that I had to wait for my call from my account representative, Michelle Linsey, 1-416-822-3765, so that she could verify my account information and that my funds should be in my account between 12pm and 5 pm.
Of course I didn't have not one red cent in my account from Walton's Financial Group and of course I was furious. I called Michelle Linsey back and she said, pretending to care at the time, "that is ridiculous you should have been had your funds and that she would look into it and call me back. She called me and said that my money should be in my account before 6pm that day. Of course It was not.
I called the dishonest Michelle Linsey again and she said that she didn't know what was going on and that she would look into my account and call me back. She called back and stated that there was a hold on my account because of International tax and that I could not get my money until I paid an additional 435 dollar tax fee. Desperate me agreed and sent the 435 dollars via western union to Michael Johnson in Verona, New York.
I had to have the test question and answer activated for this western union also. Once that was completed I contacted Michelle Linsey again and she asked for the MTCN number, money transfer control number, and she stated that I money would be in my account before 6 pm that same day. It was not there yet again and I called her back yet again.
Her attitude had changed by this time, Michelle Lindsey seemed nonchalant about the whole situation. She told me that she would look into my account and call me back. This woman had the audacity to call me back and say that my insurance contract expired and that in order to get my loan that I would have to go woith a new insurance group and pay an additional 330
dollars.
Michelle Lindsey told me that the creditors reviewed my full credit report and that they had to charge the full amount of the insurance policy because of the problems that were on there. She said that there could be past problems such as non payments, late fees, etc.
I went ballistics and I refeused to do so. If I had all this money to give to them, then I would not need a loan. I told her that I wanted a refund and she told me that she would call me the next day with my western union information, once she has talked to the refund department. She never did call me.
I called her for several hours with no answer and there was never a point of leaving a voicemail message with Michelle Lindsey because she never called back. I finaaly got in contact with her and she told me that I could not get my money until May 11, 2007 because they have scheduled dates for refunds.
Isn't that just amazing, they can take my money just like that but they cannot refund it back to me just like that?
She didn't seem to care even after I told her that they just took my last bit of money and that I had no money for my bills. She kept telling me to calm down. What how was I supposed to calm down when this lady on the other line is feeding me nonsense?
She told me that she was gonna try to get the refund date pushed up and that she would contact me in 2 business day. That date will be tomorrow, March 16, 2007, I will see what she has to say then. I bet she will not call me and that I will have to keep calling her.
I also bet that she will feed me the same bull. I am willing to do everything in my power to get my money back and let everyone know about this fraudulent company.
Shelly
Baltimore, Maryland
U.S.A.
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