1st Payday Advance BIG TIME RIP-OFF, THIS COMPANY IS A SCAM, AND THEY NEED TO BE PUNISHED FOR TAKING ADVANTAGE OF VULNERABLE INDIVIDUALS Barva Costa Rica

This company, mainly David Johnson ripped me off for $260, not including the #30 cost of overnighting my completed loan documents to him.

He was very responsive to my questions while we were in the process of getting these documents delivered and me completing them. I also questioned him as to why the return address information was blackened out when the package was delivered. He advised me that it was only an address they used in the states because it was cheaper to send the documents that way.

When I emailed him to let him know I had overnighted the documents, I requested that he contact me when he had received them. He never did.

I continued to email him and calling leaving messages requesting that he return my call immediatly, I never received a call back.

It didn't take long for him to cash my money order, which afterwards I emailed him to let him know that I knew it had been cashed and that I didn't think it was right. He should have never cashed it without my money being deposited into my account first. And that he was quick to respond to my question before he got my money and now he wasn't responding at all. I still never got a reply.

All of this took place between Jan, 2005 and Feb. 2005. Receiving and the sending of the loan documents that is. The emails and phone calls continued almost every day, each with more aggression. Then finally just out right rage.

That someone could be so heartless and uncaring to take advantage of vulnerable individuals who were just trying to make a way.

I was trying to get my car fixed so I could have reliable transportion to work instead of bumming rides. And borrowed the $260 with intentions of paying this indivual back once I got the loan. So you know were that left me.

Still, No car and $300 in the whole.

I reported him to some supposably FBI sight for interent fraud. They couldn't locate the company in Cost Rica. I reported to the BBB just in case.

I still continued to email and call him up until about 3 months ago. And something struck me recently to check online to see if I could find out anything else about this company.

I came across this sight. Hopefully this will help the next indivudal.

Felicia
CULPEPER, Virginia
U.S.A.