SelectOne Lending Solutions - Tanisha Harper - Hamilton Savoury (with representative Tanisha Harper) is a scam. Please be warned! We weren't. Charlotte, North Carolina

Recently as of 08/27/2009, my husband and I were in need of a loan for consolidation. Having tried traditional lenders to no avail, we found SelectOne Lending Solutions (www.selectonelendingsolutions.com) through an internet search. At that time no negative information was displayed when researching this company.

Since my husband has a bankruptcy on his credit, we did not find it odd at first to have to secure the loan upfront. After all, most credit cards that you will receive after having a bankruptcy are secured requiring up front costs before giving you the credit card with a limited spending amount.  We received all documents before even sending the funds as requested.

We needed this loan to refinance a car that no one else would refinance due to high mileage and we needed to get out of the high interest rate that we have with the current lender (who will not refinance it at all: AmeriCredit, but that is another story entirely) We thought our prayers were answered when we received all the documentation we requested from Tanisha Harper at SelectOne Lending Solutions. During the time when the funds (a total of around $2300 in all) wired to a Hamilton Savoury in Oakville, Ontario (where the loan was originating from to lock in the 7% interest rate) we were able to contact customer service and Tanisha and speak with people with the assurance that the funds were on hold and that a supervisor will be calling us back. We did not send these funds until 09/02/2009 and received a letter via email saying all the funds plus sending fees will be returned to our bank as of no later than 09/11/2009. We doubt that we will ever see the funds. We have contacted all 3 major credit bureaus as well as our bank and the FTC.

This is a sad lesson to learn and we can only hope that others will not be subjected to such a scam.