Cash Advance America Ripped me off for $202. I now can't pay my rent and I don't know what to do! Coulterville, Nationwide

About 3 weeks ago I moved into my new house. Because of the new expenses I had now incurred I found myself needing a little financial help to get through this month and next so I decided to get a cash advance/ payday loan. The first company I went through was great and legite but it was a small loan. I decided this time to try to get a little larger loan through a different company who did monthly installments to pay it off. I filled a brief application out online and about 24hours later received a call from a gentleman who said his name was Anthony Simpson and was a lender with cash advance america. He had all my personal information and answered all of my questions without hesitation. Everything seemed ligite.

He stated that because of my credit being poor I would need to make my first monthly payment in advance to show good faith. I understood my credit was not so great so I was ok with that. He then told me that because of it being a saturday and banks being closed that I would need to send that payment via western union to a person named Maria Timbang. I asked him why it was going to a person instead of the company itself and he stated because when you send money to a commercial business it costs more then sending to an individual person. I asked the gentleman at the western union counter and he confirmed that it was more expensive so I believed Mr. Simpson. Then he told me the location I was sending it to was in the philippines.

A red flag went up again and I asked him why I was calling a california number and speaking to someone with an indian/pakistan accent and sending money to the philippines? He stated that by dealing in other countries it saves money and keeps costs down. I understood that because now a days when you call any customer service department its always indian/pakistan people you talk to. Through out this whole ordeal I asked him on numerous occasions if this was a scam and asked him to reconfirm the details of the agreement. He repeatedly told me it was not and always had a reasonable answer to everything. After sending the western union he told me I would recieve the deposit within 20 minutes and if I hadn't to call back. I didn't recieve it so I called back and I was told he was in a meeting and he would call me back in 10 minutes. Suprisingly he returned my call and stated that the reason I had not received my deposit was because I had to pay the taxes on this money in the amount of $220.

I went off at this point and told him that was not what we had intially agreed on. The agreement was that I make my first months payment and then the $2000 loan would be deposited shortly thereafter. He stated that because of the miscommunication he would deposit the amount and that come monday morning I would just need to send $220 for the taxes back. I asked him why he couldn't just subtract that from the amount he was loaning me and deposit the rest and he stated their system didn't allow them to do that so I said fine. He told me to give him 45 minutes to deposit the amount and then he would call me. I never recieved a call and after an hour I called him back and a gentleman with the same accent told me that I would have to call back on monday because they only work half a day on saturdays. I asked him his name because he sounded just like Mr. Anthony Simpson but he said his name was Ethan Bryan and he was just the receptionist and unfortunately couldn't help me.

So long story short I have not recieved my loan from them and I am now out $202 which was part of my house payment. I am on my way to my local sherriff's department after I get off work but I am scared that I am gonna lose my place to live and I have an 8 year old daughter to worry about. I am smart and college educated yet I fell for this. I'm embarrassed to admit that but do not think that only stupid people fall for this. This company or whatever it is is very convincing.