Altus Financial Group, Meridian Regional Lending, Concord Financial Investments, Paula Parker CFO, Dwayne Louis, Julie Murphy, D. Harrison & Hanson, Alexander Russell Somehow this 3rd party got a hold of my info to qualify me for a personal loan.  New York New York

Julie Murphy called me and offered me a loan. She said I had 3 option: A) Co-Signer that has a credit rating of 700+ and can not be related to me. B) Vehicle Collateral, 2012 or newer and not financed. C) Pay $450 upfront and don't make first payment for 4 months (30 day grace period), The loan would be for a minimum of $8,000 with$150 monthly payments at a 7.8% interest rate! Yay for me since my credit score at the time was 545 so sounded great! The 30 day grace period would start as soon as I pay them $450 and than I would not have to make a payment for 3 months because that is what my $450 was for. I said sounds good, send he contract and I will review. I received it via email and he entire thing just didn't feel right even though it looked professional. Everytime I Julie Murphy, who was the rep, she was so nice, calm and collect and had an answer for all my questions. Sociopath!!! The phone number filters calls-you have to state your full name to get through. I even asked her why their website was so new "2017" and she said they just updated things because of new management or something like that. She was kinda stumbling on that one. I also told her I couldn't find much information at all online except for their website, which was vague. Anyway, I almost went for the entire enchilada but my gut told me to investigate the contract more and so I looked up everyone's name on the contract through Google and found nothing. Even couldn't find anything about the Owner, Alexander Russell. Weird. No linked in or nothing. Usually these people are bragged upon. BUT, I did find Paula Murphy who was linked to Meridian Financial Group and Concord Financial Investments.ALL OVER THE RIP OFF REPORT! These people are FAKE and WEAK and will receive a HUGE DOSE of BAD CARMA from me! I never did turn in the contract or call Julie Murphy back but I will call her if I can get through and let her know she will have this and others rot in her body. She did wrong...and will get hers. Read the other stories on the rip off report from the other two companies. That poor lady lost her money and never did get it back. Thank you for posting what you did-Saved my A**!

Altus Financial Group is FAKE! Beware! They offer you a great sounding loan with 3 options and most everyone would probably choose the 3rd option because it sounds the best. I think they got my info by phishing on the internet and called me to offer me an $8,000 loan. I was trying to get a personal loan to buy a car for my 16 year old son through a private party seller.

So, this nice lady, who calls herself Julie Murphy calls me and offers me a too good to be true loan at 7.8%interest with $150 monthly payments. Well my credit score at the time was 545 so that sounded wonderful! Anyway, the three options she offered are

a) Get a co-signer, put nothing down, the co-signer can not be related to me and they have to have a credit score of 700+. b) Use a vehicle that I already own 2012 or higher and has to be paid off. No down payment.

OR

c) which is the best one. Pay $450 upfront, no co-signer or security collateral and not have to make a payment until 4 months from now.

Of oourse, people who are in my situation will probably go for c.

After much research and listening to my gut after talking to her and asking her tons of questions I decided to really dig into it and investigate the contract using good old Google. The one and only way I found out this was a SCAM was that I googled Paula Parker, CFO and found two ther business names through the RIP OFF Report people. I read the stories. Thanks for posting because I was seriously going to go with the contract that they sent me and give them $450 to get the loan started.

This other lady lost her $450 plusmore. Read her story under Meridian Regional Lending and Concord Financial Investments.

Anyhow, I have not called Julie Murphy back but I will. Bad Karma wil rot your soul and kill you. Unfortunately, people are getting hurt over this kind of thing everyday. The more we spread the word and report  these people the more difficult it is for them to keep doing this.