J& F Investment Solutions Inc Total Scam, Advance Fee Loan, Non DIsclosure, Try to bully to get more $$ and Adds Fake Fees, Refusal to Refund RADNOR Pennsylvania

J&F Investment claims to help gain loans for business, property etc, you fill out a basic app and they send back loan terms at 7%, if you agree they then will send over a loan contract agreement, inthe agreement it has listed only one fee for PPI my fee was $3960 and it was to be wired to Caren Weinfield the supposed insurance agent.

After this the contract is signed, then they send insurance details form which asks for your bank wire information, then they ask gfor your a copy of your id, 3 months bank statements, and a utility bill. Then they sent another form insurance premium form, in the form it had all my information and the loan payment info and in small writing said I needed to insure the loan with a security deposit by paying $6750 in case this loan goes into default it will cover legal fees, default etc. I need to pay this fee before my funds are released to my bank account.

This is where I had an issue, this info or fee was not disclosed in the contract that I signed, and it gave me humongous pause. On top of this the forms looked fake and wierd. I no longer felt comfortable and I voiced this to "Amy" the person I was corresponding with. They "assured" they have to do this due to the amount of the loan and to protect the investor from default. Thats all well in good but in the very beginning I asked about all upfront fees and I was told only about the PPI fee.

From there I asked them to cancel the transaction becuase I didnt feel comfortable sending them another $6700 fronting almost $10k in total for $150k loan supposedly, nothing about this felt right at all, the person emaiing me didnt make me feel any better. I have over 100 email correspondences from them and it is very clear, there are multiple people using this email address, they are scam artists. They have no intention of refunding the PPI fee.

For over 4 weeks I have been asking for a refund of the PPI fee since we have no deal due to non disclosure and because I will not pay them anything else. The person on the email gets hostile and tries to force me to pay the insurance fee to finish the deal, then when I say no they get med, then a few days later ask me to trust them and finish the deal, tell me I can trust them, they sent some fake document from a lawyer stating they would finish the loan upon my $6750 payment. 

Still to this day they refuse to refund the PPI payment, todays episode with them they magically told me the loan was inactive and if I wanted a refund I have to activate the loan to get my refund and I have to pay $850 to do so, where did this fee come from? WHo asked them to make the loan inactive, I told them on numerous occasions that the deal is dead due to non disclosure of info and there is no deal no loan needed, and to refund my money, the continually ignore my requests. 

I told them they are a scam and a fraud and are stealing money from people and refuse to comply and I have reported them to the FTC and have told them they can resolve this by simply refunding my money and they refuse to do so, so do not do any business with them and end up losing hard earned monies all for them is to make you pay them more moeny and not recieve your loan or make you pay fees for a refund, that you will never get. 

It only takes one time to fool me, so I stress to business people, real estate people, if its too good to be true it probably is, its hard when you are getting rejected from traditional banks, but dont let these people cash in on desperation or your emotions. Most of these guys have google voice phone numbers, fake websites, a series of email address not stemming from their business emails and most of them are non american. So be careful and if you have been scammed flag you credit report, bank accounts and id's.