ED Magedson – Founder
PERSONAL CASH ADVANCE1000 N. West Street Ste 1200 Wilmington,DE, Select State/Province USA
PERSONAL CASH ADVANCE claimed $4000.00 loan approval. Our account frozen. Pay western union transfer fee and get money wire transfer in 1 hr. going on 1 week today and still no money Wilmington DE
Personal Cash Advance Stole $700 from my husband and I!
Where do I start?!?! I guess I should introduce myself. My name is Angelek Lewis. Like many Americans, My husband Richard and I were in need of a loan and we have horrible credit. On Friday 3/7/14, We applied for a cash loan to be transferred into our account. We were told by the first worker Michael Jervis #35027 and told that we were approved for a $4,000.00 loan which is what we needed to pay off bills. He told us that we would need to send them our first payment of $135 as a good faith payment.
Once that was completed we would receive a “pre loan agreement” which was a mock up style to show us what our agreement would look like. Once we received our loan plus our first payment, we would then get our loan agreement with all of our information and our first payment would be due in April. Michael told us it would only take 1-30 mns to transfer our loan. After an hour and a half of calling and waiting for him to call back, we get him on the phone and he tells us that he has tried 3 times to run our account # but “it won’t go through”.
He said he would try again and would call us back. By now, it is 10pm CST. My husband then asks to speak with a supervisor. We are transferred to Nick Cardenie. He explains the same thing Michael did. He explained that if they tried again it would be flagged for fraud. He suggested that we Green Dot transfer $256 so that he could then use that to pay for the wire transfer because after all, a finance company nor a bank are not going to give you a loan AND pay for the transfer fee. So we sent it on the GUARANTEE from him that he will have it wired in 30 mns.
Well, after another hour and a half of calling and waiting, calling and being told the server is giving them trouble call back in 10 mns, Nick told us that we missed the processing deadline for the night (11pm NY EST) & that it’ll be processed at 8am and we would have our loan and $135 put into our account Saturday, at 11a.m our time. 1pm had come and gone and we were still trying to get money. Nick did not come into work but Michael was in charge of our account. By now it is 7pm our time and we’ve been told by them to go up to the western union and our money is there. NOPE.
We call to find out what is going on. Michael tells us that he has been having trouble with the server again. This was Unacceptable to us. Michael became AGGRESSIVE and combative when asking him to explain how this ISN’T a scam. Once Richard was able to get to another higher up he was given to Darrin Leocadio who informed us that Michael miss entered the transfer numbers and they have been locked out of western union. NO SUPERVISORS IN THE BUILDING!! We were told that we would have to wait till Monday when there would be 8 supervisors on the floor and anyone would be able to enter their over ride code and get our money.
Monday came around and NO calls. Richard took off work to take care of this only to be told that it was in Nick’s hands and he is gone. But supervisor Darrin Muline #16793 told us that if we sent ANOTHER $240 for Money Gram, We would be transferred the loan, the $135, the $256 for Western Union. Richard cashed his $250 check, bought the $4 Green Dot card, loaded it with $240 and sent it off. At 9 pm our time, we are told that they once again are having trouble and cannot send it. After my husband started to become upset, Darrin asked for to call us back.
After 30 mns he calls back to tell that the company will FEDEX us a check, which is something they never do because they are an online loan company. But we have to pay the $77 for the FEDEX overnight fee for it to be sent from the Bronx area to Oklahoma. WE said no and wanted them to cancel the loan and refund our money. Darrin told us that it was impossible and that if REALLY WANTED to cancel they could only write out a check and mail regular USPS which would be 5-7 days. Richard expressed the fact that he used all but $5 of his check to send for the money gram so and we did not have any more money.
He suggested we, A) let him hold the account frozen until we called with the money or B) borrow money. We had already asked everyone we knew for the $256 so we could not ask for more from them. Darrin assured us that he was cutting the check was being cut and he was giving it to Nick because he was the night shift supervisor and her was dealing with our account. Once we got the money ready to send, call Nick and he would give us our FEDEX tracking number and we would be good to go. So we stood outside Walmart and begged for money till we got together the money.
Once again, we get the green dot card, load and send it off again with the guarantee that it will be there in 30 mns. Once again, No call back after sending the money. We tried calling ALL DAY Tuesday trying to get a hold of someone. Richard finally gets hold of someone. A guy named Michael “Jack” Rangan #7827D who says he is a Senior Loan Officer. He explains this never happens and “understands our frustration”. WRONG!
He tells us that Nick is in a meeting in the Bronx and should be back to the office in 2-3 hrs. HE tells us that he will make sure that Nick calls us with our information as soon as he walks in the door. We never hear from Nick. We left a msg every 30 mns up until 1 am our time. Nothing. It is now Friday, 3/14/14, and we STILL have not heard from anyone. The voice mail boxes to the numbers we have called are still there but they will not answer the phone. The only reason we were able to talk to Rangan is because we blocked our number and they answered.
Before dealing with this company, we checked everything on them out. We felt stupid as we begged for money at Walmart and v=even more ashamed when the car dealership came and took my car back because we were 3 payments behind ($360 total). I just want to know that this IS a legit company, We didn’t get scammed but I have a horrible feeling that it is the worst case scenario. If you are reading this, PLEASE HELP ME! I just need to know what to do next.
This report was posted on Ripoff Report on 03/14/2014 07:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/PERSONAL-CASH-ADVANCE/WilmingtonDE-Select-StateProvince/PERSONAL-CASH-ADVANCE-claimed-400000-loan-approval-Our-account-frozen-Pay-western-uni-1130638. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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