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Report: #1452962

Complaint Review: Marlin Financial - Orlando Florida

  • Submitted:
  • Updated:
  • Reported By: Roberta — Ocala Florida United States
  • Marlin Financial

    Orlando, Florida
    United States

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Deception regarding title loan and did not indicate car was going to be repo. Now has tacked on extra fees making it impossible to get car back.

This report was posted on Ripoff Report on 07/23/2018 09:16 AM and is a permanent record located here: https://www.ripoffreport.com/reports/marlin-financial/orlando-florida/marlin-financial-repossessed-car-orlando-florida-1452962. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
4Author
5Consumer
0Employee/Owner

#1 Consumer Suggestion

DECEPTION AS FOLLOWS:

AUTHOR: JoAnna - (United States)

POSTED: Sunday, September 02, 2018

This consumer victim was deceived by Marlin Financial.

(1) They were deceived when they pulled up the internet advertisements placed by Jeremy Tolan, most likely generated by his Web Optimization Company, Etech360, which advertise VEHICLE TITLE LOANS throughout the state of Florida. 

(2) They were deceived believing these ads, which listed THREE FLORIDA ADDRESSES for Marlin Financial.  None of these addresses actually exist, and Marlin Financial is not present in any form at any of them [175 SW 7th Street Suite 1214 Miami, Fl 33130, 12250 Menta ST Suite 203 Orlando, FL 32837, and 10700 N Kendall Drive, Miami, FL  33176). 

(3) The STATE OF FLORIDA DEPARTMENT OF MOTOR VEHICLES was deceived when Jeremy Tolan filed the Application for Lien Form HSMV 82139, using a false Florida address of 14919 SW 87th Lane Miami, FL  33193. 

(4) They were deceived when Marlin boiler room scammers instructed them that they would need "Coverage" in an amount often twice the sum of the loan itself.  Marlin Financial boiler room scammers are NOT LICENSED TO SELL INSURANCE in any form.  This is a third degree felony.  In additioin to adding the "Debt Cancellation Product" which they call "Coverage" and in which there is NO UNDERWRITER or INSURER involved whatsoever,

(5) They were deceived when they believed Marlin Financial was a licensed Title Loan Lender, believing they had the full protection of the Florida Title Loan Act, when in actuality, Marlin Financial is operating as an UNLICENSED TITLE LOAN LENDER.  The Consumer Finance license they do possess EXPLICITLY states on its face that the holder MAY NOT engage in Title Loan Lending.  Doing so is a THIRD DEGREE FELONY.  Marlin is ADVERTISING as a Title Loan Lender and ACTING as a Title Loan Lender, when in fact, they are precluded by law from doing any of the above.  

The MARLIN FINANCIAL BOILER ROOM is located at 1500 SKOKIE BLVD NORTHBROOK, IL 60062The principal operators of this scam are Jeremy Tolan, Richard Tolan, Bonnie Tolan, Joshua Tolan, Peter Pocrnich, Neil Quiriconi, ALL OF NORTHBROOK ILLINOIS, and Geronima Medina of FLORIDA.

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#2 Author of original report

Cry baby come on you sound like grade school

AUTHOR: Roberta - (United States)

POSTED: Monday, July 23, 2018

 We are having financial issues and trying to pay our bills but when a company lets you go when you are our age its hard to find work. We need our car and could of made a payment on the 30th. I really don't need well if you paid your bills on time. If I had the money I would pay my bills on time . So don't comment if you just want to toot your own horn.

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#3 Consumer Comment

What A Cry Baby

AUTHOR: Perry Mason - (United States)

POSTED: Monday, July 23, 2018

 YOU caused the repo because YOU failed to make payments on time. Whatever repercussions resulted were caused EXCLUSIVELY by YOU because YOU failed to make payments on time. If the car was the only way your spouse could go to work, then YOU should have considered that when YOU failed to make payment and YOU causing the repo!

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#4 Author of original report

We are in our 60s

AUTHOR: Roberta - (United States)

POSTED: Monday, July 23, 2018

 So no my spouse is not gonna ride a bike 20 miles to get to work. We have worked most of our lives and my spouse was recently let go from a big company who let go hundreds of workers. So don't tell me your worthless opinion of what you think we ought to do. We have probably worked more years then you are old. No he is out of a job so don't tell me anything different. He was trying to work at least part time but the loss of our car has him stuck at home. You are to tell him he has to work so you can belittled people and make yourself the all important one.

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#5 Consumer Comment

Probably won't make a difference

AUTHOR: voiceofreason - (United States)

POSTED: Monday, July 23, 2018

I'm tempted to tell you your partner cannot use losing your vehicle as an excuse not to work. A young guy was just in the news for walking 20 miles to get to his job (and was given a car by his boss out of respect and admiration for his dedication). Your partner can get a cheap bicycle from Goodwill or Craigslist and deal with it until something breaks financially in your favor. Y'all can ask around, even if you live in the boonies, if someone can give y'all a ride-sharing lift for a bit, or even loan you a spare vehicle.

If you're all clean and not druggies you ought to have som community recourse other than just quitting your jobs.

But, you all have chosen to be victims so what's the point?

If you'll at least listen to one piece of sage advice, please don't ever take out payday or title loans anymore. They are no-win, you-lose money pits. You will never be able to pay one off and never get out from under.

Y'all need to find another way to get through cash shortfalls than that, working or not.

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#6 Author of original report

This company is not licensed to do title loans.

AUTHOR: Roberta - (United States)

POSTED: Monday, July 23, 2018

 We had made several small payments and were to make another one by the 30th, but they repossessed anyways. They have the car and its theirs as we are not able to pay total amount due. So now spouse has to quit work because of no car to get there. We were going to be able to be caught up by 30th, but doesn't matter now. Sorry we are not well off but one less working is just going to be a problem with our other bills. But I just don't care at this point.

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#7 Consumer Comment

Really

AUTHOR: Robert - (United States)

POSTED: Monday, July 23, 2018

You have some very inaccurate ideas of a loan and your responsibilities.

When you take a title loan out, you are giving them a security interest in your car.  So contrary to your belief the loan company does have a lien against your car.

You are LUCKY that you had 40 days, most of these title loan places will reposess your car after being just a few days late.  A few even will come and get it for being as little as one day late. So your claim that being 40 days late does not warrant a reposession is laughable. But with a comment like that it is obvious as to why you only source for a loan is a high interest title loan.

The entire "they didn't tell me" tells us a couple of things.  Either you had the ability to pay and would have if they just told you that they were about to repoess the car, or you planned on hiding the car once they told you.  Of course if you had the money then you shouldn't need the threat of a reposession to pay what you made a legal agreement to do, and if you couldn't pay then unless you were planning on hidding it the end result is the same.   On and one final thing..you were notified of this possibility when you got the loan.

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#8 Author of original report

Lien

AUTHOR: Roberta - (United States)

POSTED: Monday, July 23, 2018

 They took the title there was no lien and 40 days late doesn't warrant a repossession.

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#9 Consumer Comment

Deception???

AUTHOR: Perry Mason - (United States)

POSTED: Monday, July 23, 2018

 What was the deception? It's a very simple transaction. They lend you money based on placing a lien on the car and you make payments to repay said loan. When you fail to make payments, they do a repo. It's THAT simple. Let me guess...you failed to make a payment and they did a repo. Now, you're trying to claim there was some sort of a contract issue rather than YOU not making a payment.

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