I was in desperate need of a loan to take care of high bills that had aroused from a family emergency. I got on line and did a search for loans for people with bad credit. Only about 3000 came up. I click on one link that said 5000-25000 unsecured. Stated these loans had long term, low interested rate and was provided by priviate investors. I filled out the application only to have my email swamp by several replys. But one placed Guardian Financial Group called my cell phone to offer me a loan already approved ( after I look back at the orginial offer..I never gave out my cell #. I waited 7 days before I called them back. I got a answering service that directed me to my representive that left the message.
I spoke to him he explained that I had been apporved for $5000 6% interest-3 years payments $151.84 per month. He ask me if I had a fax # I said yes. So he faxed me the documents. He then proceed to explain that I need to send 6mth payments in advance due to my credit. At first I thought this is odd, but he continued to explain that it is the same as a secured credit card, 900 was like a secured deposit. d**n, I should have know better. No company loans you 5000 and then you dont make a payment for 6mths. Probably was I was skeptical thru the whole thing. But sent the 900 dollars to a priviate person in Canda thru Money Gram @ Walmart the person was Monica Stinger ( check out the name)--minto nb canda.
The next day I received an urgent call from the loan manager explaining I needed to send more money another 900. He proceed to tell me that I should have read my loan agreement better because it does state that they can request more funds if needed. When I said no I couldnt come up with any more, I ask about lowering my loan and he said no only 5000 and above. HE TOLD ME TO ASK A FRIEND TO SEND IT IN. MAN WAS I STUPID TO BELIEVE THIS COMPANY.
When I refused to send in anymore money and accused them of a scam the "Loan Manger" got defensive and said if that is the way you fill I will just send you a refund but it will take 30 days. I know I will never see my money again. It was a hard lesson but I assure you I will post this company info on every website, with every federal site to get justice and protect the next person. The weird thing about this that I actually was skeptical and called 411 to get their # but of course nothing found with landline, but the 800 directory had a listing for them. I looked at the better business bureau they are even registered. But when I google there address it came up but upon futher investigation it is an empty building.
So please I advise you dont send money to anyone or give out your personal information. They have my SS#, BD, Phone#, Address, Bank Info of course so they could send me my check direct deposit. BE AWARE. DONT BE STUPID LIKE I WAS.
Should Have Know Better