I WAS CALLED AFTER I HAD APPLIED, IM NOT SURE HOW MANY DAYS LATER IT WAS. ANYWAYS THE GUY'S NAME WAS SUPPOSEDLY ADAM SILVERMAN WITH 48 HOUR LOAN CENTER. WHAT HE TOLD ME WAS THAT MY APPLICATION HAD BEEN REVIEWED AND APPROVED. THE COMPANY HAD SUPPOSEDLY FOUND A LENDER WHO WAS WILLING TO WORK WITH ME. HOWEVER SINCE MY CREDIT POSED SUCH A HIGH RISK FOR THE LENDER, THEY REQUIRED AN UP FRONT PAYMENT OF $817.13 AS A SHOW THAT I COULD PAY THE LOAN. THIS WAS FOR 4 MONTHS OF PAYMENTS.
THE LOAN WAS FOR $10,000 WITH 4 MOMONTHLY PAYMENTS A LITTLE OVER $200. SINCE I WOULD HAVE PAID 4 MONTHS IN ADVANCE, I WOULD NOT HAVE TO MAKE PAYMENTS UNTIL JUNE OF 2008. I WAS ECSTATIC. NOW I FEEL LIKE A LOSER FOR FALLING INTO SUCH A TRAP AND BUYING INTO IT. I MADE PLANS IN MY MIND ABOUT WHAT I WOULD DO WITH THE MONEY AND EVERYTHING ELSE.
THE NEXT DAY AFTER I PAID THE UP FRONT FEE WHICH COULD ONLY BE DONE THROUGH MONEY GRAM I WAS TOLD THAT I WOULD RECIEVE THE FUNDS WITHIN 24 HOURS. I DIDNT GET ANY MONEY DIRECTLY DEPOSITED INTO MY ACCOUNT. I CALLED THIS "ADAM SILVERMAN" BACK. AND WHAT HE TOLD WAS THAT THE REASON THE LOAN WAS NOT FUNDED YET WAS BECAUSE THE CONDITION WAS FOR 18 MONTHS PAYMENT UPFRONT AS OPPOSED TO THE 4 MONTHS.
HE SAID THAT I HAD TWO OPTIONS, EITHER TO RECEIVE A REFUND FOR THE $817 UPFRONT FEE OR TO SEND THE SAME AMOUNT AGAIN AND ANOTHER $2000 DOLLARS COULD BE ADDED TO THE LOAN...WITH PAYMENT SCHEDULE TO BEGIN IN NOVEMBER. I TOLD HIM THAT I WANTED MY MONEY BACK. HE TOLD ME THAT IT WOULD BE SENT TO ME BY CHECK WITHIN 7-10 BUSINESS DAYS. IT WASNT UNTIL THE DAY THAT I CALLED HIM BACK TO TELL HIM THAT I HAD THE MONEY THAT I FOUND OUT THAT THE LENDER WAS ACTUALLY FROM CANADA.
THE CRAZY PART IS THAT THE LOAN DOCUMENTS THAT HE SENT BY FAX CAME FROM A FAX NUMBER THAT HAD AN ACTUAL MAINE AREA CODE. THE DOCUMENTS LOOKED OFFICIAL. PLUS HIS PHONE LINE HAD A PROFESSIONAL SOUNDING VOICE SYSTEM. HE EVEN HAD AN EXTENSION WHICH WAS 402.
AFTER DOING RESEARCH LATER ON THAT DAY AFTER I REALIZED THAT I WAS SCAMMED, I GOOGLED THE ADRESS FOR THE "LOAN COMPANY" AND APPARENTLY THE ADRESS DOES NOT EXIST. THERE IS A PEARL STREET IN PORTLAND, MAINE- JUST NOT THE ADRESS THAT HE HAD. I CANT BELIEVE THAT THESE PEOPLE DEDICATE SO MUCH TIME FOR WHAT THEY DO TO SCAM PEOPLE-EVERYTHING FROM THE DOCUMENTS, TO THE PHONE LINE, TO THE FAXING. I FELT LIKE REALLY HURTING THIS GUY IF I COULD FIND HIM.
I WOULD LOVE TO HACK THAT WEBSITE IF I KNEW HOW TO DO IT. HOW DO THESE PEOPLE GET 800 NUMBERS AND ACTUAL FAXES THAT SEEM TO COME FROM A REAL PLACE? HOW IS THAT THEY CAN GET AWAY WITH HAVING WEBSITES THAT SEEM REAL BUT ARE JUST A TRAP? MAYBE WE CAN ALL SCAM THEM OR AT LEAST THIS "ADAM SILVERMAN" GUY.
WE COULD APPLY FOR LOANS ON THE WEBSITE AND PUT IN FAKE INFORMATION. I WAS THINKING TO CALL HIM BACK AND TELL HIM THAT I WOULD LIKE TO TAKE HIS OFFER FOR REAPPLYING FOR THE LOAN AND ALERT THE LOCAL AUTHORITIES IN ONTARIO CANADA. TELL HIM THAT I SENT THE MONEY SO THAT HE WAITS FOR IT AND WHEN HE GOES TO GET THE MONEY AT MONEY GRAM IT WILL BE THE COPS WAITING FOR HIM.
SANTOS
SHILLINGTON, Pennsylvania
U.S.A.
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