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| Loan Scam Reports from Our Visitors
By Direct Lending Solutions Visitors
WARNING: We will never ask you to send us money in advance of a loan and we have no up front fees. Though Western Union and Money Gram are excellent services, we advise that you never use them or any other medium to wire cash in advance of a loan. Legitimate lenders will not require this from you! Learn What to do if you have been victimized. We keep these reports anonymous, unless otherwise requested by the submitting consumer. Only in the case of extensive documentation will we mention a company name. In most cases, we simply do not have the resources to investigate all of the reports. The important information here is the consistent story line. We hope you have found our website BEFORE wiring someone money for a loan. Read some of these stories. If you have already become a victim, you might notice some similarities. Though there is nothing we can do to help you recover your money, we are hopeful that your testimony will help educate other consumers. Submit your experience (we do not provide any advertising links, so spammy website submissions will be ignored). If our staff are able to provide some additional information, it will appear as "Admin notes". If you are the owner of a business that has been victimized by the scammers (using your good name), and you would like for us to make a note of it here, please let us know using the submit form. Please note: We are having a difficult time keeping up with these scam stories because of the high volume, but we are posting them as fast as we can. Some we can't post (about 50%) because of redundancy (others reporting the same scam). The bottom line is: the stories are ALWAYS the same. We can't repeat it enough: It doesn't matter what the name of the company is -- if they are asking for money to be sent to them up front for ANY reason, it is a scam. If you are asked to send money, then go searching online for the validity of the company, you are wasting time. Your instincts are already telling you such an operation is a scam -- so don't do it. Please note that we make only minimal corrections for grammar or spelling. Post A Scam (This board is moderated before posts go live) January 12, 2010 - Regus Investment Group - I was scammed by a loan company named Regus Investment Group. They say they are located in Cedar Rapids, Iowa 52401. The phone # is 877-234-4701. I was told by a Tina Bishop ext. 230 that I qualified for a loan but that I would have to send $800 via western union as colateral. I have never done something like this before but I was desperate. Needless to say the next day Tina called me to tell me that I needed to send more to secure the loan and I refused. She said she would send the money back to me via mail and that I should get it within 7 to 30 days. This was on November 25th. It has now been over 6 weeks. I have been calling there office for 2 weeks now and have not recieved a call back. I should have gone with my instincts and never accepted the offer but like I said I was desperate and now I am out $800. I need help in reporting these people. I am now more in debt because of this. I have documents that I signed regarding this loan and these people have my personal info. They have my bank account number and social security number along with my home address, work address, etc. I feel like such a fool. I have read tons of stories about people who have been scammed and I feel there pain. January 6, 2010 - Silverton Financial Trust - I applied for a loan through Silverton Financial Trust. I was approved for $5000 but had to send a $500 security deposit which I would get back after 1 year of keeping my payments to date. As it turns out they kept my $500 and I haven't been able to contact them since. I now have the BBB looking into this, so please be very careful who you apply to. December 28, 2009 - Emerald Solutions - A person calling himself Fred Dixon called me saying he was from a place called Emerald Solutions and that while they could not grant me a student loan, they could approve me for a $5000 personal loan at the rate of 6% fixed for 5 years. This was not the same company to which I applied for the student loan. Sounded too good to be true of course. The person who did not fall for the scam from this phony place calling themselves Emerald Solutions should consider themselves lucky. I sent almost $800 the first time and they said because the insurance policy underwriters would not accept my credit that they would need an additional $800. Against my better judgement I sent it via Western Union again based upon the promise the money would be in my bank account on a certain date. When the money was still not deposited on the date promised, I called and they wanted yet another $1600 sent on the promise they could guarantee me a $10,000 loan. Unfortunately as bad as I hate to admit it, I know I have been took. Today is the day they promised to refund the money into my bank account and when I call the number which is listed as the same number the other person reportedly called when they tried to reach Emerald Solutions,1-877-430-9522, all it says is Goodbye. There was even supposedly a woman named Claire Warner who they were claiming was the one handling and then denied the loan because of my credit. I even had to send the money to that name. The last person I talked to had a supposed name of Peter Hudson. There was one more I cannot remember. PLEASE READ this and beware. They prey on people like myself who do not have the greatest credit record and they know how desperate times are. It's such a shame they cannot be stopped. I know I should have known better, in fact did at the time, but I have 4 kids and it was right before Christmas so I borrowed the money to send them and now the people I borrowed it from are the ones who are suffering as well. December 25, 2009 - Emerson Financing - I was desperate for a loan and now they are telling me that I was not approved and they need another $500.00. I am now out $400.00. The are in Kingston Jamaica. Beware. December 21, 2009 - Stillwater Equity Group - Was told by Stillwater Equity Group that i was approved for a loan of $5000.00 but had to make the first 6 payments up front because i had filed for bankrupcy in the past....the next day....no money in my acct. and the rep called me back and said i had to pay 7 more payments because the insurance company with the lender wanted the extra security because of my credit rating but nothing would stop it from going to my bank...the next day still no money and said i could now apply for 10,000 and and pay 24 months ahead(needless to say i refused this). Requested that my loan request be cancelled and my money returned and was told they cant return my money until next month on the 5th when all returns go out.....beware...they are makin money off of your money in that months time and have yet to see if im really getting my money back.....they ask for the money to be wired to canada.their phone number is 877-215-1019. December 18, 2009 - Bernard Lending Solutions - I had a phone call from a guy from the loan company and his name was (Steven Hagger) saying that i was approved for a loan of $20,000 and that my monthly payments would be $348.00 and then hey wanted to me to fax info tho them and then they sent me some loan documents and then on that they wanted me to send them $1740.00 to secure the loan so it can put the money in my account in 8 hours.. The phone number for this company is 1-877-268-0830. I didn't get scammed but i think it is. December 16, 2009 - Bernard Lending Group - Steer clear of Bernard Lending Group, supposedly located in Baltimore MD and D and P Finiancial Group out of NY. Both are HUGE scams! Funny thing is they're both in the US but reps all had accents, and their automated systems were exactly alike. Was approved for $5000.00 had to pay 6 months upfront $964.39 because of my credit. I was weary and did some research, didn't find much on either but thankfully I went with my instincts, and the fact that the whole point of applying for a loan was because I needed money so how did they think I was going to come up with a down payment???? Karma , they'll get what's coming to them!! December 15, 2009 - Regent Financial Group - I was scammed by Regent Financial Group (www.regentfg.net) They called and said that I was approved for a $5000 loan, but needed to put down a cash collateral due to my poor credit. I sent them the money via Western Union and was told that the money would be in my account the next business day. The next day, I receive a call from Andrew Davis, claiming that additional collateral was needed to secure the loan. Once again, more money was sent and I was assured of funds. Then this person calls me back and says that the lender has backed out of the deal, but they found another lender, but yet another collateral is required. These people are located at 9102 Southpark Center Loop in Orlando, FL. They are scammers. DO NOT SEND THEM ANY MONEY! December 9, 2009 - Save On Business Solutions - I wish I could have found this website a week ago! I wouldn't be in the trouble I am now! I noticed a post about Harrison Capital Group, I too was approved by them but they wanted the money sent Western Union to Nicaragua! I didn't thankfully! Then I found a company called Save On Business Solutions! This company is reportedly out of Denver, I believe this company is a complete scam as well, they have taken me for $2778.54, and I have yet to see the money or the courier that is supposed to be bringing my loan check! I have been trying to contact this company for 2 days now and imagine this....they do not return phone calls!!!! Now I find myself with a signed purchase agreement, and no financing! I am a single mother who is renting a home, the home I am renting is scheduled for demolition on Dec 28th! My ex has screwed up my credit so bad and mortgage inquiries have taken the rest! Anyway, I called both the better business bureau and attorney general's office before I signed anything with Save On Business Solutions, and this company appeared to check out! Come to find out the address given is actually one for a large medical facility in Denver, and there is no such suite number! So if anyone is contacted by John Berry from Save On Business Solutions (877-465-4493 ext. 200) RUN THE OTHER DIRECTION!!!! This guy will do what ever he can to con you out of your hard earned money! December 8, 2009 - CreditLine Solution Center - I was contacted by CreditLine Solution Center indicating i was approved for a $5000 laon that i applied for on their website. I had never heard of this company however had applied for some loans online via different websites. After receiving their website address i tried repeatedly to access the site and was not succesful. after talking with my loan representative and informing him that i could not access the website a few hours later i was able to view the site. the loan representative informed me that i would either need to send $960 for the first 6 months payments or purchase an insurance policy for $1500. he wanted me to send the money via western union and once i called him back with the 10 digit reference number the money would be deposited into my account in a few hours. he stated that after the security payment of $960 i would not be required to make a monthly payment for 6 months. i was preparing to send this money tomorrow morning 12-10-09 which would have been an entire 2 week paycheck because i really am in need of a loan. after reading the many stories on ths website i have decided that this is definately and scam and i will not be participating. please be on the look out for CreditLine Solution Center. November 20, 2009 - Emerald Solution - I'm pretty sure that I was almost a victim of a loan scam. The company calls itself Emerald Solution, and I was told by a man who called himself, Ben Jenson, that their website was emeraldsolution.net. This site doesn't exist. I was told that I qualified for a $25,000 loan at 8% fixed annual rate for $436.74 over a 72 month period. It would need to be secured with $2,620.44 (6 months payments), and I wouldn't have to start to pay until June 2010. I was told that I had 2 weeks to think about it, but that might be able to be extended. Luckily, I was raised by parents who said that if it sounds too good to be true, it is! I immediately searched loan scams and found your site. The phone number for the company is 1-877-430-9522. Ben Jenson's extension is 221. I can't confirm that it is a scam, as I am not willing to risk my money to find out! Thank you. November 16, 2009 - Harrison Capital Group - I was told that I was approved for a loan through Harrison Capital Group and to send money in advance to Toronto, Canada via Western Union. I did it like a fool and lost over $1200. My family was devastated from the incident. They had a company phone, customer service, and the works. The one thing that I should have picked up on was their names so that I could google them. The names were Chris McFadden and Pamela Dogra. There was another one in so-called "customer service." They are always available for consultation until you send the money and then their phones go dead when its time to deposit money into your account. It will take a while to recover from this one. November 4, 2009 - Credit Leader INC - Boy am I glad I found this site.. I would like to share my story. I was contacted by a man named Wilson Greenman. He said I was approved for a 5,000 loan, but needed to send 300.00 for loan fees as I was bad credit. I got the gut instinct when he asked me to send it Western union, and told him I would not send it.. well he called me and talked to me for over 1 hour, and convinced me to send the money. he called again when he got the money order, and said the he got a call from the tax office, and I needed to now send 500.00 for insurance. I refused, he called me for 2 weeks trying to get the money from me..this was a company from the UK. Since then, I was contacted by a lending Firm here in Canada called Credit Leader INC. was approved, for a loan, now they are telling me that I need to pay a broker fee upfront, and that I need to transfer it via email transfer through the bank.. I know this is a scam,now that I have been through this once already.. the phone number I have for these people is 514-564-9790. also when I looked online, I can find nothing for them, and can not find their number in the Canada 411 directory. Please be careful. these people are getting smarter, and with the email transfers now, they have a new way to collect the funds. Be advised that when you do send a email transfer, it can be deposited into ANY account, as long as the person has the answer to the security question, that you will provide. These scumbags need to be stopped. I am so glad that there is a site like this out there. November 3, 2009 - Clear Path Lending - I applied for a $80,000 personal loan and was called by Hope Usen.After giving my ss# and birthday they call back 24 hrs later and say i am approved but either need a co signer with a 720+ credit score who makes 75-80k per year or pay $2000.00 for loan insurance(which i did not send).then i found this web site (after my wife tried to find them and thier fake insurance co name online)now i am going to have to put a credit freeze on myself to protect my credit.luckely i have little to no equity in my house and my revolving credit is high so hopefully no dings or theft.these people had a web site and a name similar to other legit companys. October 22, 2009 - Tridon Financial Services - I was contacted by Diane Clark with Tridon Financial Services stating that I had been approved for a $5000 personal loan with a low interest rate of 6%. She informed me that I would need to send $962 for an insurance policy and to cover the first three months of payments. I asked her to e-mail me the information. I looked over the documents that she sent me and also looked at the website. Neither of these things looked very legitimate. The initial phone number that she contacted and the information contained in the e-mail and website stated that the business is in Newport News, VA me from was a Staten Island, NY number but I was instructed to call back to a toll free number. I called Diane back and asked her who I would be sending this money to and she informed me that she could not disclose that information to me until I was prepared to make payment nor could she disclose who the lender was due to my poor credit history. October 19, 2009 - Cedarway Financial - called me as well asking for $723.00 in advance "collateral" as they say. It didn't sound right to me and I searched the internet and searched to make sure this company wasn't a scam. Well after I searched I found you guys on the internet. I haven't sent in any personal information. They sent the contract, but it still did not look legit and I found misspelled words as well. I also saw on the application that they asked for your surname (most foreigners use "surname" to describe your last name In America we say "last name"). The application is not legit. Thanks for posting this information so I won't be scammed. October 14, 2009 - JH & CL Loans & Financing - I was scammed out of $1,900.00 from a loan company called JH & CL Loans & Financing. I wired the money through Money Gram and I was told that once they recieved the funds that I would have the funds in my bank account within 24 hrs.I called my account nothing was in there,so called the agent that was assisting me into getting scammed she went by the name Alias Beckham which I'm sure was fake too.Alias told me that it should have been in my bank account that she had to call and see what was going on.She never called me back so I kept calling, my calls would go to a voicemail, without her greeting this time.I left plenty of msgs. she never returned my calls. I called trying to disguise my voice leaving her different numbers to call back but she would never call back.This company was out of Los Angeles Ca. October 7, 2009 - Cedarway Financial Group - Out of Washington D.C. 1-877-834-7017 using website cedarwayfinancial.com. I was looking for a personal loan to help me get ahead in some bills. I recieved a phone call from a David Hatcher about being approved for a loan in the amount of $5,000. I called him back and got the information. He said I would need to have the first 6 months up front to recieve my loan. My "Security Deposit" was for purchasing "Insurance" in case I default or go bankrupt then they would be losing the $5,000. I was thinking this sounds too good to be true. I got curious amd had him fax me the "contract" It all looks legit and I called him asking about it being a scam. He said " you can check us out on the BBB." So I did and they were not there. I also googled the address. Yeah I didn't go with it. I have reported it to the FBI and now I will be with the FTC because who knows if they have me SSN and License. Not like they can do any more harm because I have crap for credit!!! Good thing I checked this out. MONEY SHOULD NEVER BE BOUGHT FOR MONEY. October 5, 2009 - Westcom Continental Funding - I was contacted by the company Westcom Continental Funding based out of miami florida, they told me i was approved for a $10,000 loan and it was through a private lender and that he required 5 months payments in advance and it i did it before 1pm then it would be released the same day so i did, and i never received the money, they claim it was because it was on a weekend and so i waited for monday and still no money, i was behind on bills and tried to catch up but this company is scamming , there phone number is 1-866-571-0703 and i talked to Marilyn Dacosta ext 438 and now they want money for insurance because i am high risk, i filed a police report and talked to western union and also did a bbb on them as well, the man i sent the money to was anthony clarke in ottawa, ontario canada. They are a new company and they will go down fast, website is westcocof.com dont trust them. October 4, 2009 - Gastley Investment Corp - I was approved for a $10,000 loan with bad credit through one of the suppose-to-be lenders in Canada. I was told that I was a high-risk client so I needed to pay $1,800 for insurance before the loan could be released. I refused at first because I did not have the it. Then weeks later they called bac stating that I could receive a $1000 grant and only be resposible for $800. I sent $800 and the next day the grant was denied. So I ended up sending another $800 then $730 for border taxes and another $500 for USA border taxes which is a total of $2800 plus the wire fees that I have sent. Now the lender has backd out because I wouldn't send more fees. So Real Financial Freedom is suppose to be refunding me,but at this point I'm not sure that is going to happen. We are in the process of sueing this company and filing a report with the police. I was trying to catch up on bills that had fallen behind,now I deeper than I was before. Please beware of these companies and lenders like this because if someone had told me about thid then maybe I would have been aware!!! Stay away from Gastley Investment in Portland Maine and the sister company called Real Financial Freedom. The numbers are 1-800-850-5720 ext. 8848 Nancy Hamilton and 1-888-716-3666 ext.21 Joyce Booker who has avoided my calls and now the number doesn't work. The number that shows up on the caller id is 347-562-2648 NY,NY. September 30, 2009 - Hemmingway FInancial - They are only available by a toll free number 1-877-897-3421 or 1-877-897-3241 but they are all american, use a CEO name on their company that is actually a financial person with a lot of financial background. I checked with FBI, Trade COmmission, local police, and even called the victims advocate. There were no reports on these guys. I even called the realtor that leases out the building on the fax cover sheet they sent me. She said it was not actually called hemmingway, but would not answer if it was a financial business. They are brokers with over 300 lenders, blah blah blah, so I let that one get by me. It she said it was a hair cutting place or something, I would have saw the flag. Then they did say I have to give 3 months up front but that would buy loan insurance (which I investigated & has been going on since the 50s - so no flag, thought it was a smart investor). THen they convinced me it was 2 lenders instead of one for the whole loan, and had me wire the money western union to Canada.. that made me nervous, but I was so desperate. I asked a bunch of questions about the company and he mentioned the7y used to be in Florida & then moved to Providence Rhode Island - and the CEO I looked up has background in FLorida - that sealed the deal. Then 5 days after I did not receive the money they tried to say they messed up the numbers & needed more money .. that was it- a BIG SCAM. Luckily I did not send the other money, just lost the $2000 - but I could have paid the lights that are being disconnected with that $2000 instead of buying a tear jerking story. WHen nobody had heard anything throughout my 3 days of internet & agency searching, I thought it was ok...but I should have clued in...nobody had HEARD ANYTHING about them...not possible for a company that has been around for 4 years. September 23, 2009 - Providence Lending Institution - I was contacted on July 28th, 2009 from a Roger Lewis from a company calling themselves Providence Lending Institution of America. He claimed that I am been pre approved for a 15,000 loan as long as I either got a cosigner, got loan insurance or sent them $540 upfront as a prepayment. They sent me very official looking forms via email . Fortunately I had a friend whom is a bank manager and she reviewed the documents and said dont do it. She also informed me of your website. They claim to operate out of 150 Riverside Parkway , Suite 300, Fredericksburg, VA. They sure called me alot but when I started questioning them bthey got beligerent and stopped calling me. Now they never answer their phones. Thank God I never sent them the signed forms and money.BE CAREFUL !!!! September 14, 2009 - Using OUR Company Name - I just wanted to let you know that a scam using your name and the name of Mr Thomas that was reported back in April of 2007 is back again. We were recently contacted by Mr Thomas claiming to be from your company "Direct Lending solutions" stating that we were approved for a loan in the amount of $5000.00, we just needed to send in money first..we never sent the "insurance" money to them because as soon as they asked for money up front I knew it was a scam..So i'm guessing after a while these companies think it is safe again to start back up..we need to keep a log of all of their names so people can look at them and 5 years from now..they still will be out of business. Admin notes: Thank you for letting us know about this. These leeches won't go away, so all we can do is let the public know that they are in the water. Never send anyone money in advance of a loan. EVER. Not even to us. We don't collect up front fees. Anyone using our company name on their letterhead is doing so illegally. September 4, 2009 - Atlantic Funding - I faxed Social security number, pay stub, Identification,and a bill. to a company called Atlantic Funding, 1688 Victory Blvd. Ste 201, Slaten Island Ny, 10314 phone #1-877-808-5007. Upon speaking with Jessica Clayton , she said I was approved for a loan, but I would need to pay 954.00 for insurance, I thought it was added to the loan or substracted from the amount that was avaiable, after I found out she wanted me to wire the money I said that was okay. I did not send any money but they have ny personal information, What Can I do? September 3, 2009 - Midway Loan Services - Received a call today from a company called Midway Loan Services - Larry Brooks 1-866-331-6025. Said I was approved for a $5000.00 loan at 8% but needed to pay 750.00 up front. I asked for if he could email me the information he said that it caused to many problems in the past and that it would have to be faxed. I asked what his website was and when I tried it wasn't working. After many questions he said he would fax over the agreement which of course he never did because he realized I was on to him. August 31, 2009 - Manhattan Financial Group, LLC - I was contacted by Charlotte Hansley claiming to be from "Manhattan Finacial Group" and was scammed. I was told I was approved for a $10,000 loan. I had to wire $900 to Canada to cover the first few months payments as my credit is bad and that money would go toward my first few payments. I looked the company up online and did not find anything unusual. Please people check the phone number from which these people are calling. I found a website where you can enter the phone number from which you were called that will list possible scams. I thought I had done my research, but I was wrong. Admin Notes: Do not confuse with legitimate companies who use this name. There appears to be a real company called "Manhattan Financial Group", but scammers love to hijack real company names for their scam. August 19, 2009 - Orental Financial Services - I let it happen! They (Orental Financial Services) said my loan is going through after I send the initial processing fees/downpayment. So I made the dumbest mistake because I wanted to preserve the roof over my families head. I sent $1684 via Western Union. On top of all of that, the money was sent to Canada! Not to give the country a bad name. But I have been scammed. I contacted the police, and filed a report. The company of Orental Financial Services is (BOGUS). And now they are wanting an additional $2425! That's $4109 total. Beware of this... Never talk to a David Dixon, 877-884-1614 ext. 23. August 16, 2009 - Aaxs Lending Corporation - A company that goes by the name of Aaxs Lending Corporation contacted me about a loan the rep name is Jackie Taylor.she stated that you have been approved for $10,000 with a interest rate of 12% payments for 60 months for $222.44. later she said the only thing we need from you because you don't have collateral is $444.48 for insurance. I immediately asked her why can't you add it to the loan she said no the investor want allow us to do that. i didnot send her anything and have not heard anything else from her. the address she used is 1006 Pennsylvania ave,st cloud florida 34769 the phone number is 877-664-4330. i check their website and also the bbb in which they are not accredited. I will never send monies to no one up front for services. August 12, 2009 - NewEdge Finance Corporation - requested 925.00 for processing fee and the money would be in the account by 12. This company claims to be at 410 Ferry St Newark NJ(this is a parking lot) toll free number (888)249-9253 which shows as a vanity number a direct number of (609)543-1129 which is out of Burlington NJ,(Burlington County). A Newark exchange is 201. and their fax number is (609)939-0960 which is out of Atlantic City NJ.(Atlantic County). File Complaints with Police Department and FBI. August 10, 2009 - Rosedale Financial Services - After reading all these articles thank God I didn't fall for it. I almost did with a company supposedly named Rosedale Financial Services. The guy I spoke with was Greg and he said that I would have to pay the first 4 months up front. Which was 930.00. Then depending on which company I went with, which he said were both international companies since the economy in the states is so bad they don't want to loan money, would determine how fast I would get the money. He said one company was from Canada and the other from Spain. So of course I chose the Canada one. He wanted me to go to Walmart and wire the 930.00 to Victoria Young in Brooks, CAN, no company name no address, no phone number using the Red top money gram form, which is for individual people the blue top is for businesses. He then told me if the Walmart employee questioned who it was going to and for what purpose that to tell them it was personal. Because they might try to convince you otherwise. Then I was to call him with the reference number and he would let her know to pick up the money and then I would have 5000.00 in my account. Which he also told me to use my debit card for the transaction. Seemed fishy to me so I tried to do some investigating on the company and nothing for the company comes up on the internet or the BBB. August 3, 2009 - Orental Financial Services - I would like to remain anonymous. I just about had the same experience with Orental Financial representative is David Dixon (877) 884-1614 ext. 23. He wanted me to send $2,800 via Western Union. This is part of the down payment of $8000. They said that the $8000 would be refunded to me in 4-6 months after the loan has been issued. The cost to send the money would be $180 and then they would issue me a check for $100,180 to be electronic transfered into my bank account. That amount is the Mortgage loan and Western Union fee. I didn't know this company was not legit! I was scammed previously from Homesavers out of Orange County, California (949) 732-7556. Thanks for having this information available! August 2, 2009 - Lawrence Cole Private Loan - I applied on line with a company called Lawrence Cole Private Loan Firm for a $1,000 loan and was approved at 2% int. they told me my payment would be $84+ per month your a 1 year loan, I responded saying I would accept their terms and conditions and was then told I needed to send $200 for insurance purposes, I immediately became suspicious and told them no thank you that in the U.S. the insurance was added onto the loan amount and was not needed prior to processing and told them that they were not being honest with me. I heard nothing further back. July 24, 2009 - Orental Financial Services - This is about Orental Financial Services out of Rocky River Ohio. They called and said I had been approved for $90,000.00 home loan. The need "collaterl" money upfront. Never should of sent it. When I contacted them they said they had looked at my credit and I needed to send more money. I said no way. They kept saying they will refund my money but I really do not believe them. The number is 877-834-1416 ext 24. I spoke with a Sherri Ann Winters. The web address in orentalfinancialservices.com Please let people know about this!!! July 23, 2009 - Meadowgreen Credit Solutions - I applied for a loan on a website and "meadowgreen credit solutions" sent me an email stating that i have been approved for a $10 000 loan. After speaking with them I had some doubts, they asked me to send them my first six months of payments up front. I did not send them any money or sign any contract but I did give them my personal information before a realized something was off about this company. What should I do about the personal info like my social security number that I did give them? July 17, 2009 - First Command Lending - Ok so i was approved for a loan with first command lending. it was for $8,000 i have to say i was happy because i can pay of my debt but after i reading the contract i came across this: $985 for the the first 3months because its a 5 year loan i tryed so hard to get this money together and i did and then i relized it had to be a scam why would a loan company thats trying to get me out of debt want money so i wanted to know if any one heard of First Command Lending? Jul7 16, 2009 - Ellisview Solutions - I got a called from a Victoria Martin at Ellisview Solutions. She said that I was approved for a $10,000 loan. I have had some problems with my credit, she stated that I was required to pay a deposit of $1,436.79 before I could get the loan. I googled this company and no information came up. I called back to find out where to send the money and I was asked to Western Union it to someone in Canada. This just seemed weird so I did not send the money. A few days later, the phone number that was originally given to me had be changed. July 10, 2009 - Orizon Financial Group - I am in severe debt and was looking for a loan to help get me out. I was contacted by someone from Orizon Financial Group. They told me that I had been approved for a $8,000 loan. They informed me that I would need to send $823 for the first 4 months, and I would have the money in my account the same day. I told them that I could do it, but I needed to be sure I would have it back in same day, because this was my rent money. She gave me a 100% guarantee. Needless to say, I wired the money Friday morning, called and gave her the info, and she told me the money would be there before 7 PM. Long story short, the money never arrived, and I am going to be evicted with my family. I called them on Monday, and they told me they were very busy, and the money would be there on Thursday. I told them I could not wait till Thursday, I was going to be evicted. He said he would see what he could do to speed it up, and I have yet to hear back from him. I have 4 kids at home, and I fell for this scam, and now we have no place to live. July 9, 2009 - Castle Point Lending Group - I was seeking a personal loan and not having the best credit in the world I thought my only option was a secured loan. I applied on line with Castle Point lending group and they immediately sent me an e-mail stating that approved me for a $10,000 loan, but here is my thought. How can I be approved for a 10k loan if they A. Never ran my credit or asked for any information other my monthly income. So being desperate I thought it was my only option, but something told me to ask my co worker for a second opinion on the loan documents and she asked me where the company is. I told her it was on line and so she said how do you know they are not ripping you off, so I went to google and typed in CASTLE POINT LENDING AND I found a rip off report for them just a few days ago a retired man had sent these people $900.00 and had never gotten anything out of it. MAN he saved me, but the poor guy who faxed them his information. July 3, 2009 - Goldman Finance and Lending - Applied for a $14,000 personal loan on the internet. My credit is not very good so I took a chance.Wanted to get my credit straightened out by paying my bills off. A company Called Goldman Finance and Lending, told me that I qualified for the loan. If I send $1950. The $14,000 dollars would be put into my account the next day.The next day when the money was not in our account, we called them. They told us that they needed a $700 brokers fee paid. once that was paid they would put the money in our account. We paid. No money was put into our account. Made many phone calls, they quit answering their phone. We were taken. The Name I was given bby the person who called was supposed to be Lou Everest, the president of the companys name was supposed to be Ron Thorn. So if anyone gets a phone call from people by these names, please beware.I wish that I would have found your page sooner. June 7, 2009 - Capital Financial Service - I saw an add on craigslist for loans regardless of credit, I am in severe debt, and in trouble of losing my home, car, and everything. I sent the email saying please help me, and a man by the by the name of Jim Morgan said I was immediately approved for 35,000. Sounded too good to good to be true, he said all they needed was an $100 processing fee that I could send via paypal or western union. I agreed to do the paypal, but he said it would take a along time to clear, so I sent the western union yesterday and was guaranteed by him ( the comapany's) so called name is Capital Financial Service out of WA, USA. I tried calling numerous times.ONLY GIT A FAX #!!!! Today I checked my acct and surprise surprise, NO $$. I emailed him immediately and he claimed that bc of my background check ( mind you I NEVER gave my social) now they required a $350 insurance deposit. I begged to please speak to a real person on the phone, but he emailed right back and said they were "too busy taking care of customers" I said don't you have 5 min to speak with me.He refused numerous times, and also NEVER gave me his company website. He said tonight at 12am if I sent the $350 via moneygram I would have it for sure tomorrow. He tried to tell me over and over it was no scam, but smells funny to me. I am SOOOOO GLAD I READ THIS, bc I was just about to send the money gram online. It is obviously a COMPLETE SCAM May 30, 2009 - Benton Financial Group - I received a call from a Helen Ward. She said she was from Benton Financial Group and that I was approved for a 7,000 loan. I am a person that has a good job but really bad credit. I need a second chance to get my finances in order and I was searching and searching on the internet. I don't remember which website I was on, but somewhere they got my number and called me. I was told that I would receive some documents to fax back and that I had to make a payment which was equivalent to 5 months of my loan payments. Once I made that payment, my loan would not be due until November, and my interest rate was 8.5% - all too good to be true. It just didn't feel right, but I was so desperate I almost sent the 1104.00 dollars or whatever it was, it was over 1100 dollars. Anyway, she called me from 701-850-0738 but told me to call 800-928-1453 x290 which has a very demented sounding recorded voice. No one ever answered the phone - she would immediately call me back and explain that they are busy and sometimes the phones are tied up. These scum bags have been doing this under other names but I am not sure what those are. There are similar stories out on the web with the same scenerio - 5 months payments up front and the money will be released in a matter of days. I am glad that I didn't fall for it but there should be laws and stiff penalties for preying on people like this. May 28, 2009 - Lending Source Corp - I was contacted by a lady saying that i was approved of $6000.00 loan but needed $700.00 for loan insurance. She sent me some documentation through email and wanted me to sign and attach copy of my SS#, Driver License, and paystub. After filling out the form i called and left a message because i have a question about the insurance money; i asked who should i name the check for and what is the address of the insurance company. She called me back and said that the insurance company only accept cash so i need to send it by Western Union thats when i started thinking that this gotta be a scam. So i started googling about this company and they do have a website but not much information about this company. then i found this site and everything went clear that i was in a middle of a scam and i almost fall for it. Searchin online resulted nothing suspecious about Lending Source Corporation but after finding your website it was clear that this was a scam. May 10, 2009 - Progressive Plus Mutal Lending Group - I've been trying to fix my credit and get all of my debt out in to one loan, all of my local banks would not lend, I got a phone call from a man named john and he is from progressive plus mutal lending group that I was approved for $25, 000 and he would have it in there within the hour, he said I needed to put something down for it and needed to western union $1450 and there would be a western union fee and that would be refunded, call him when I got their, I was thinking maybe this is not true but then I was thinking how much I wanted to get out and clear up all my problems but his just made my problem worst, he told me that the money would be in my account within the hour, I then called and he said the lending deparment would call which an other man did but while I waited that 30 hour to hear from the lending department I was looking online and I heard all these storys and was pissed because I know at this point I was getting scammed I called western union to see if it got picked up it did and then when the man called back he stated I needed more money I told him no I wanted a refund and the man said that he would refund my money that it would be there 5-7 days and I know he is just saying that, i'm so upset because I had just received that money and thats all I had until an other two weeks this sucks and these people should get caught but because it's out of the country nothing could be really done. I can't believe this please be careful! April 24, 2009 - This story is an interesting variation on the loan scams submitted to us so far. Be aware of ANYONE calling you trying to get information from you. Story from anonymous: I'm not sure, but I think I was approached by a scammer? This guy with a heavy accent (which I could barely understand) had a lot of my info, and wanted me to verify it with him...saying I was a suspect in criminal activity with a unpaid payday loan dating back to 2007. I had never heard of this payday company, and hadn't taken any payday loans out in 2007. When I tried to explain to him he had the wrong person...he wouldn't listen to me...wanted me to verify my personal info before telling me who was accusing me of fraud...he didn't want to give me any answers..,just wanted to know if I wanted to resolve this issue...to the tune of over $700 for a supposed $300 loan. He kept saying he was from the crime prevention dept of some "Universal lender or payday company...I couldn't understand him very well, and when I asked him to get someone who talked more clearer English, he got very upset with me. Admin notes: Thank you for this submission. Good advice to everyone: never give out your personal information to anyone who calls you on the telephone, for any reason, no matter how convincing they seem. They may try to scare you into thinking you are going to jail, or claim to be an IRS agent. Don't give in. April 24, 2009 - Shorcan Financial Group - I too got a nice phone call from a Shorcan Financial Group, saying I was approved for a loan; it had a great interest, and affordable payments. Mr. Carl Davidson then said I would need to buy an credit insurance policy for $750.00 from Carlson Credit Insurance. The red flags went up and I said no thank you, I don't do scams. April 18, 2009 - Lockport Lending - Watch out for Lockport Lending!! Just like most of the others they say you're approved but they need 5 months of payments up front. I thought I was finally getting a break and my boyfriend even questioned the 'Michael King' that I was dealing with to get answers about their company and he ran a good game. So I sent my $720 through money gram and waited for a deposit into my account - it never happened. Remember, if they use Money Gram, don't fall for it - even Money Gram admits that there system is easy to fool especially when they ask you for a reference number. All they do is make a fake ID in whoever's name the transfer is in a pick it up. If they ask you to fax an ID or bank information - don't do it. You never get over that feeling that someone has invaded your privacy and you soon forget what it is to be worry free. If they say you're sending it to Canada - that's the biggest red flag!! They can only get away with this in Canada because here in the US they would be questioned and there it's like it doesn't really matter - so be weary of Milton, Canada and FYI - if they do mention Milton ask them which one of the four Money Grams they'll be picking the transfer up at. Most importantly, listen to your gut - if something stops from do the transfer take it as a sign and don't answer their phone calls, if you can't find them on the internet or their site looks shady, it's cause they probably are, and if the person you're talking to sounds like the answering service just hang up. Please don't be like me and let someone use your hope and prayers for help against you. There's too many people out there that are just here to take advantage of those who are just trying to turn their situations around and do a good thing for themselves but we wind up in a worst situation than we were before. April 16, 2009 - Susfasa Loan Firm - I needed a loan for $13,000 and contacted a Mr. Susfasa Lee who said he could help me. This Susfasa Loan Firm is based in Nigeria and is bogus. He asked for a $510.00 fee to be wired through Western Union as well as a copy of my ID and banking info. I was smart and did not send anything to him. Please be aware this is a scam although he may send you a copy of his ID to prove otherwise, don't fall for it. April 14, 2009 - Hornel Capital-Patriot Group said I was approved for $5000 loan but would have to send in $550 sent that in then told I needed to send in $325 more to have loan funded but sent in all money and never recieved loan proceeds a total scam. April 13, 2009 - Maxwell Capital Group - I was scammed by a company called Maxwell Capital Group. They told me I was approved for a $5000 loan but would need to secure the loan by sending in collateral payments first. I am out of almost $3000 dollars that I sent to them only to never receive the loan. These payments were sent via moneygram to Canada. I should have known better but now that I do, I will never be scammed again. Please, everyone be careful. If at all possible, it is best to just save the money you need on your own or even borrow from friends and/or family. This may take longer but it's worth it. April 8, 2009 - Trust Loan Investments - I have had the unfortunate experience of dealing with a firm named TrustLoan Investments. I had originally been looking for a personal loan to deal with some financial hardship. Over the course of approximately the last calendar year, I have spent over $4000 to attempt to get this loan. Every time I thought I was getting close to having the loan, they demanded another fee of one sort or another (or there was a fire, accident or personal injury). I stupidly went along with their demands and I have nothing but heartache to show for it. Please do not do business with them or Alex Walter, Godwin Richardson (I think these are two names for the same person) and Ijeno Adebayo Blessing. They will cheat you out of all your money and say that they cannot refund any back to you. April 7, 2009 - Hillcroft Lending Group - I was trying to apply for a mortgage loan, a company called "Hillcroft Lending Group" out of Texas, contacted me and said I was preapproved for the loan 68,000.00. They asked for $750.00 down (the first 3 months), I started checking with the BBB, Savings & Loan, and Chamber of Commerce. It ended up this company was not licensed to do business in Texas. I called the lady that I had been speaking to and told her the information that I had received and she sounded mad, she was supposed to call me back with proof that they were a legitimate company, but she never called back (I didn't expect her to), I didn't send them any money, but I was real close to it, until I checked them out. Now another company "Fidelity Freedom Lending" is trying to contact me, I know for a fact that this is a scam as well, I just read the article on your site. Thank you. April 4, 2009 - New horizon Lending Group - Here is company no ones talking about: New horizon Lending Group same scam as all the other ones on here. Name of contact is Tricia Lynch and a various number of other b.s. Names. They got me for $1400 dollars that I borrowed from someone, now we are both screwed. April 3, 2009 - Morgan Witter Lending - I think I may have found another loan scam. They call themselves Morgan Witter Lending and the address is in Scottsdale, AZ. Phone number is 800-934-6056. Their name or address does not come up in the yellow pages, and I can only find their website morganwitterlending.com. Nothing more on them and they supposedly have been around since 1996. I am waiting on a phone call back, we'll see. Admin notes: The website you mention was created in March of 2009, NOT in 1996. April 2, 2009 - Glenwood Lending Group - I was scammed by a company called Glenwood Lending Group. They are supposedly located out of Kansas City, Mo. I too was approved for a loan in the amount of $5000, was asked to send a security pymt of $770 via Moneygram to Carrie Armstead in Canada. Once this was done I was told I needed to send that much more in which I naively did. Was told my loan could not be approved so asked for a refund. They said it would be sent out via Fedex on the 27th of March. I have yet to receive my money and the phone number is no longer good. I did report them to the BBB which is also unable to locate them since the address is no good either. I know i will probably never see that money so anyone out there who is asked to send money via moneygram or cashiers check PLEASE don't do it. April 1, 2009 - Allied Finance Group - I sent $850 dollars and $70 dollars to wire it to Allied Finance Group. I was called and told to send "brokers fees" of $500 dollars a week later ( after being told the money would be in my account the next day). Then they said the check was in the mail. I called, and called, but they were always in meetings. Then I was told the loan was pending. Asked to cancel the loan, and I was told I would get my money back... When? 4-6 weeks. These people have been giving me the runaraound since March13th. I am wondering if I will really get my money back. New York Police said it was a scam. I had someone else call on my behalf.. They hung up on him three times. Website: AlliedFinanceGrp.com 888-314-1949. Plus.. they had me send my money to Canada! March 30, 2009 - Fidelity Freedom Lending - The scam is using the name Fidelity Freedom Lending supposedly out of New York. Phone number given is 866-431-6498 Loan Rep: Janet Frost Website: www.fidfrel.com I had filled out an application through their website. I got an email from Janet stating that I had been approved for $5000. She called me, told me about the terms etc. I was asked for $630.00 to cover 5 months of paymets. I, too, was asked to wire the money through MoneyGram. I could not find out anything about this company anywhere. When you call the 866 number, it is all automated. March 27, 2009 - Glenwood Lending Group - Kansas City Mo calls you to tell you you're approved for a loan and requires the first 5 months up front which on a 10,000.00 is 1200.00 in my case. They then say you have to money gram it to them and you will have the loan in 24 hrs. I did this on a Fri. and Monday morning still nothing, so I called. they directed me to customer service who said something came up on my credit so thatey would need and additional 5 months or I caould request a refund. I immediately requested a refund and they proceed to tell me they will mail a check out this fri. for the amount I sent plus a 24.00 fee it costs to moneygram. That will be this Fri. but I'm sure I'm pretty much screwed. Times are hard and these people are taking advantage of people in these times and nothing is being doen about it. These people need to be stopped and the poor innocent people should get their money back. March 18, 2009 - Northwest Pacific Funding - I just want to share my story, I applied on-line for a loan through Northwest Pacific Funding, claiming a located in Vancouver BC, so their website states. I was requested to send $500, 10% of the loan to a man named George Platt in Toronto ON, first red flag. I proceeded to do so, but i was suspicious so I did something i should have done first research the company. I could not find any information on them at all, no telephone number listing, nothing came up when google, I even did a reverse address and phone number search only to find the local number listed was in new westminister not Vancouver. I quickly put a reverse on the western union and got my money back. I then called them to find some answers as to why i could not find any information on them. All the man helping me whose name is Ben Lewis could tell me is that they are real and did not know why i could not find any information to confirm so. I even did a search on bbb and talked to someone there, who informed me that most all of the cases are scams. The website is nwpacificfunding.com. I just wanted to share because like i said i could not find anything kind of information on this company and I would hate for anyone else to fall for this scam. March 6, 2009 - Interest Financial Services - There is a company called interest financial services who SAY they are located in Bingham Farms MI, but there address does not match up to their name when searching online. They ask for an upront fee for bad credit loans. I have not sent them anything but I am sure this is a scam. WATCH OUT FOR THEM!!! February 8, 2009 - Hillsdale Financial - 7680 Universal BLVD Orlando, FL. 32819 is offering a secured loan if I send them 7 months of payments in advance. They call it a security deposit, and state they will send the loan funds within 24 hours of receipt of the money I send.
February 1, 2009 - Pinetree Lending is not real - We sent them $924.00 and got nothing in return. we spoke with Stacy first and the rita james . . . who wanted more money due to a second look at my husbands credit. their # was 1-888-681-7964 - that was all the money we had until next week. Now we don't have enough to pay our bills. Admin notes: Pinetree Lending website was created just one month ago, in early January 2009. This is a sign of something shady. January 30, 2009 - Special Loan Services - I applied for a $12,000 loan and was told I was approved. I needed to send in 10% for loan insurance first. He said I would get it back in 60 days. I declined. The phone number 866-956-1987. EXT 350. The Company is Special Loan Services. The man I talked to was Dale Turner. January 26, 2009 - BayView Trust financial - I am curious if anyone has heard of Bay View Trust financial.. address is 230 Beiser Boulevard Suite 149 Dover DE 19904. The phone number is 1888 862 6481 but is registered to Loans Direct. Website is bayviewtrustfinacial.com. I applied for a $15000.00 dollar loan and was asked to send a collateral payment of $1850.00. I was not asked to wire it yet, but would like to know if there is more info out there..as they did send documents to me via email as well. The logo is identical to bayview financial... yet I can't find any info on them on the BBB. Admin notes: The website has been disabled, and was created only one week before this individual contacted us. They must have moved on to a new scam using a different website. January 17, 2009 - Ridgefield Financial - These people call themselves Ridgefield Financial, and are supposedly based in Waterford, CT. They are very good, almost scammed me out of 840 bucks, but thank goodness I asked more questions when I got to the moneygram location, otherwise, I would be in really bad shape. Please warn others before anyone else loses their money. January 12, 2009 - OmegaOneLoans and Pendulum Lending Financial are evil twin sisters. I am a disabled veteran recvg ssdi, will take 6-10 yrs for my service connected disability and needed a loan for a used car. Thereafter, I recvd an offer from OmegaOneLoans.com for a loan of $5000. but they needed a $500. collateral pymnt.and they emailed loan docs, even had a friend look it all over since I am on a lot of meds, I do not totally trust my brain these days, and he even said it seemed legit. Well, of course the moneygram was sent to someone in Alberta, Canada (in retrospect, THAT should have been a deadringer but I was desperate), and no, the loan did not appear in my bank account. I tried to call them back and only got voicemail and I grammatically tore them to shreads. I now am getting a new debit card that has Mastercard logo, used as a debit and ATM that Social Security is pushing for people that recv benefits called Direct Express, by Comerica Bank, that has extra security features in it and lower fees for ATM use. When I made the police report, the officer at first suggested I just wait a few days (I made report the day funds were NOT deposited), as he thought it looked legit, UNTIL I showed him how the address for the co. Googled was NOT the address of this co. and of course the Moneygram to Canada. FBI IC3 Fraud Unit, and I have tried a few times to make a FTC report but found their report assistant annoying and cumbersome. Stay far away from these co.s listed...as far as identity theft, my credit is so bad they will have fun with that but the fact they have my SocSec# kinda scares me, reason I am letting SocSec know I was victim of scam and to get my direct deposit changed ASAP. I wish I had this knowledge 20/20 hindsight. January 5, 2009 - Alternative Investment Corp - I was almost taken by these guys! When they asked me to wire money to an individual and not a company I became concerned. They were not listed in any BBB or complaint web site; their web site and loan documents looked legit. I called the post office for the address on the loan documents and there was no company by that name at that address. I e-mailed their 'customer service' email address and confronted them, but with no response. The 'loan officer' called me again today wanting to know if I still wanted the loan. After reading your web site I'm sure it was as scam, but they wanted the money sent to some one in Indiana.
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