FLM Loans - Advantage Loans - Post Net Ltd - The Richmond Group Beware of Advantage loans and FLM Loans.. Stay well away from this evil loan-shark Bournemouth Dorset England

I took out a loan with them. It is alot of info that I write here but its worth reading

Advantage loans , Post net Ltd , FLM Loans, all of them belongs to one company called the Richmond group

If you are thinking of getting a loan with FLM loans, to me FLM is the abbreviation of Finance Loan Monsters. I warn you, beware of this evil company. They are the identical twin of the devil. Taking an unsecured loan with this Loan shark is the same as signing your financial death warrant.

In February 2007 I paid Advantage loans Broker 50. for a loan and they set up the application with FLM loans for the sum of 3000. ( All af them including Advantage loans belongs to the same company called The Richmond Group). At first everything went well I read and sign up the application then they ask me for a guarrantor (that they never told me about before) that is also a home owner so one of my realitive stand as my guarrantor.

It all started to go wrong when they decided not to deposit the loan to my bank account they deposited it to my guarrantors account then my guarrantor had to transfer it to me. As the repayments started in March all the payments were made and even if i was a bit late with a couple of them it was covered by my guarrantor.

In August and November all hell broke loose. I ended up in 2 unfortunate situations that damaged my credit and I couldn't continue to work at my job so I continued to use my skills to be self employed. Things was bad in December and I didnt had any money to pay the December installment and my guarrantor would of make the payment but it will be a bit late. Flm loans started to send threatening texts to our mobile phones. I called the customer service (they are a pain in the butt to get in contact with) to explain that we will be a bit late with the payment and the advisor was very hostile & threatening us to take legal action but my guarrantor & I sort out the payment.

I normally had a direct debit with FLM through Abbey national bank. but due to my salary not arriving on time they keep attempting to take the payment over & over & it always trigger alot of nasty bank charges which lead my account into arrears wich lead to my bank account to be closed down. Seeing how bad they are wrecking my financial life, I began calling to pay the installments manually with my debit card from my new Natwest account but I NEVER authorised them to automatically take monthly payments from my debit card. When I pay with the card it is usually showed as flm loans on my bank statment.

Recently the installment was due on the 12th May 2008. and my income came in after the due date. It makes no sense calling to inform them because they will get hostile and threaten me.They send threatening texts to my guarrantor. My guarrantor is in a financial situation and cannot cover the payment. Part of my income arrived so I was keeping part of it unil the rest of the income arrives to pay flm loans the full installment because I had a bad experience when one week I had part of the money to pay them, so I call and offer to pay it until I got the balance to pay it off the following week, & they treaten me in a hostile manner just for making an attempt to pay the installment in two parts.

This time FLM loans went too far. On the 17th May 2008 my income was drained from my new bank account. This nearly put me and my wife in stress as we were on our way travelling to London knowing that our travelling funds was in my bank account to find out it was gone. This spoiled our travelling as we almost got stranded in London we called the bank and the bank could not identified who drained my account. On the 19th May a company by the name of post net ltd (also part of the richmond group) appeared on my internet bank statment and they are the crooks who drained my bank account. On the 20th of May I went into my bank and I reported it. The bank investigated it & found out that FLM Loans was behind the crime. When I paid the last installment with my Natwest card FLM decitfully kept all my card details without my permission. They pass my card details to their partner company (post net) and post net drained my bank account for FLM loans. They took money out of my account without my authorization.

A while after Flm called me to threaten me and boy I didn't back down I put them in their place & they were rude to threaten me saying all my money in my bank account belongs to them once am paying them installments This is how hostile the customer threatening advisors get. If you already have a loan with them & you are struggling to keep up your repayments & you have intention of using a debt soloution they will get hostile and threaten you and your guarrantor.

I can go on and on about this Financial Loan Monster. People ,this is fraud and this time I am not going to let them get away with it. If i have to go the distance to bring them to their Knees I will fight the battle for justice to be served. People in this country let these devil companies take advantage and walk all over them and most of them they just sit there and do nothing about it & let them get away with it and their hard earned cash. Is time to rise and fight for your rights.
The offer looks great on the outside and it greatly appeals to people who have poor credit but on the inside this evil company charges 40 - 50% intrest meaning you borrow 3000. and all together you will be paying back approx 4200 - 4500. & if you are late or miss a payment they will brutally tourment you and your guarrantor. ( oh yes & they do have a late payment fee of 20. per installment)

One thing I learn is that I will not allow The desperation need for money or horrible companies like FLM loans wreck my financial life.If you are taking a loan from them to make an investment to generate a profit of income you stand a better chance but if you are taking the loan for personal use and desires or to pay off other bills, you are signing your financial death warrant.

STAY WELL AWAY FROM THIS HORRIBLE COMPANY.

On the 24th May they are still threatening Me & my guarrantor with letter & text saying the will charge me 7. for each threatening letter being sent to me, 20. extra for delayed payment, & 100. when they threaten to visit me home to force to collect it personally

Those who have poor credit rating stay well away from them. Your credit score will get poor to worse.

Mr dfs
Bristol
United Kingdom