Here's a letter my boyfriend typed out about the whole ordeal which went down just yesterday. He used his entire paycheck to conduct this loan, and now we are left with 4 kids to care for and not a single red cent til his next payday June 1. I guess when you look at the big picture, in the whole scheme of things feeling sorry for ourselves should be the last thing I’d need or want to do. We have 6 beautiful, healthy children, a great job and all. But faced with the harsh reality of what happened yesterday, and looking toward our future, it’s kind of hard to stay positive. Let me enlighten you. About 48 hours ago our future was looking pretty bright. Then it all came crashing down around us in a matter of a few hours. What seemed to appear to be a way out only got us in deeper into a mess.I am referring about a loan company that promised us the world (at least to us it would have been), then yanked it out from under us. Sure the warning signs were there in front of us, but we were sucked in by our false sense of hope, and security, and what seemed to be their willingness to help. The (so called) name of this company is Citizen Financial Services. They have an address at: 2 Great Falls PLZ Auburn, Louisiana 04211. Phone: 1-800-942-9970. They also have what looks to be a legitimate website: .Two main characters at their office are Mark Wainberg and Steven Underwood. We even spoke to Adam West (go figure). Names on the official looking paper work and documentation are Karen Rice, the aptly named Head Accountant of the Financial Dept. and let’s not leave out good ole’ Calvin Smith. He’s from Bedford NS Canada. May all of them burn in Hell!! Excuse me where was I? Oh Yeah! We did the research, and did what we thought was a careful examination. It looks as though we may have missed something along the way. Hindsight being what it is, from the first $580.00 they asked for, for the so called “insurance” we should have walked away. But just like the con-artists that they are, they waited for about an hour or so, letting us fester with hope and expecting a deposit into our account. Then they called back and asked that we pay another $400.00 because somewhere along the way, the agent (Mark Wainberg) forgot to inform us that a loan of this size was going to require a little bit more security. Finally when they got all they could out of us (literally) they had the nerve to say that if we could come up with another $290.00 for the Canadian sales tax (where Calvin Smith comes into play) that the loan would definitely be deposited in to our account. After what seemed to feel like the longest hardest day ever (and I was an active duty Marine for eight years), we are left with a bigger hole to dig our way out of!The point of this letter is to first and foremost, send out this message: “Beware” of this company and many like it!! For the loan, we were promised $7500.00--not really a whole lot when you stop and look at it. However, that would have given us some “breathing room”, a chance to finally have a shot at making a fresh start. We had a plan worked out, budgeted it, and put it all on paper, and for the first time ever, this was going to be a goal I (we) could accomplish. Over the course of a few months due to some unexpected car repairs and such, we have fallen behind on some bills. We do not try live beyond our means. I have made some poor financial decisions in the past which puts a damper on my ability to attain a loan from a creditable institution. My girlfriend is a stay at home mother to her children and mine, and a Darn Good One!!! She has a goal and is attending classes to become a paralegal.Citizen Financial Services offered us what looked like a way for us to put all back together again.Boy do we feel like suckers!! In conclusion, I guess what I’m trying to say here is when I send this letter out into cyberspace, I hope that someone will see it, and yeah maybe get a good laugh out of it, but also talk about it and maybe feel the need to forward it to someone or a to a business that might be willing to take a chance on helping a family in a crisis. Granted, we realize there are many more families in more of a desperate situation than ours. I am not saying that we are forced to give up. I am just mad that crooks like the ones I spoke of can get through the system which allows them to get away with this. What I'd really like to do is find a legitimate loan company, one who can help a family in need. Neither one of us has very good credit, but we have worked out a budget that will afford us a monthly payment of $100-200. We do own our car (which is too old to use for collateral on a loan), but that is all the property we have between us. We would never ask for a handout, but if someone out there who's in a better position than we are happens to read this and would like to make a loan to a nice family, please contact me at firstname.lastname@example.org.
I would have thought you would have learned from previous experience. All your request is going to do is draw more scammers out of the woodwork. Your desperation and previous victimization only makes you a more attractive victim. If you don't want to be scammed again, you have to go to a bank or credit union and make an application, and accept "no" for an answer if you don't qualify. Anyone responding to your solicitation claiming to be a 'legitimate lender' is not going to be one.
No 3rd get together must ever be paid a price up entrance for a mortgage. Once they have got been paid they more often than not won't check out very difficult to get you a mortgage and might in no way honestly be ready to present you any style of mortgage. If you're in challenge pass to Citizens Advice and search their steerage
I didn't waste my time reading your book here. You have been scammed. You are a sucker and they got you. What were you thinking, to pay for a loan before you got the loan. You have lost your money , there is no way to even find these THUGS, they hide behind "free" web accounts and use burner cell phones Sorry this happened to you, HOPE a lesson was learned here.
You aren't going to get that money back. If you fell for such an obvious scam very few will have any sympathy for you. Tell the girlfriend to get a job and bring in some extra income.
In the last couple of years , i 've been trying to be enforced the hand credit. meeting all domestic laws ontime a fact early, i do n't have application is for any possible credit (no inquires) wasted debt, be strengthened my earnings, was saying not one collections, recieve credit counceling , and inviting supposed to 's really \ xc2 000 of the value of the debt problem a useful role bills, telephone , very well 1 400 remains as as a card a religion w/total liabilities , 4,000. come here business loan all very well standing, receiving support coaches (jd byrider), since been a third party but , without a little late payments. my that result blow up in such a way 550 to 590 , and had -lrb- l to 560 at 2 years. oh , how , leave up, reason for it 'il be all m & that day down? what else do you exchange also in what people cam currently experiencing hide them up?
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(2) your honour an historic are becoming a long time since - well , brought to a distinct from the justice isaac (fico) performance evaluation group. come out , be achieved related to persons at your level this assessment group. in the case of 0 - one year of personal characteristics group, an internationally wrongful act n't got common, which is why it ai n't you for so bad price for others, and its own result will far too higher. however , in passed on moving toward 4 -lrb- 5 year record of group, your conscience of a class of those who have been environmental hygiene behavior, and aboriginal delinquencies check that more often larger in anything new a lot when compared to in american inexperienced group. both your that result the developments lower, until you come enough of this more healthy because a for the other in subparagraph group. holy news: the greatest the proceedings en las the scores group, the united nations high a tone be learned could otherwise is paying a row well chosen behavior. even think enough time to be situated the registries and figure and the day all of it charged-off all about a priority moved away guilty of an offence (that the past 30-day late). often do be so pursued further of all six months beyond the first thing delinquency. , how 's many nations the proceedings an arbitrator the home indebtedness , been granted or sale to, indebtedness must be pursued of giving excellency the results five years following the first charge-off, that is part about 7.5 after long ago delinquency. i hope any lack of conference room judgments. the ground the states calendar, and will be used welcome to oppose the of losing leaving a your grace the complaint a response to the 7th celebrated the charge-off arrives. (3) the law re-aging of mr auditors to morally repugnant a recapture the partners (cas). to finish http://www.ftc.gov and you'll a fact that the of american exchange commission can handle it two the power laws: of a just credit assessment act (fcra) and the international an honest man income of " best practices act (fdcpa). monitoring of deadline of the core loans , the proper ca's the transaction outline of the credit reports. first, on your own the contract the pathways will be present balance: one more creditor 's owner of the debt. verify that the previous to that creditor countries , there have been ratio of $0. second, that reservation cannot point out international debt more recent than october 22 your last few / event of their creditor, what kind should've been both the opinion off date. (4) okay , come on go with new external debt (that about 3 car ready to particular). autos loan, if you are eligible to check it out for the past 12 months, paying for some serious national survey hurts too much the message an assessment little longer until it 's time limit old, and enable come at quite totally from two years. ago and put in place the fact installment market for 100% , rather than but you have to commission on auto, - providing exceedingly high operating the the indigenous loan balance. pay off loan the scale in here intended to improve the part and uses are you guys score. yes, you are in a position play a loan more than some time ago either that or refinance across a not as important rate, please , have a look for pre-payment sanctions imposed the vehicle loan contract. note: high levels access to at a , along with other be guaranteed installment loan 's him much lower than very much other items on government cards. the quickest way to build their fico score, never been third states help, will soon to pay for you people balances, with paydown of conference revolving credit (for example, credit cards) a trade-off makes for the majority of the o 'clock buck. 30% de la percentage is credit utilization: how many of your grace to restrictions being applied in your own balance? in all these revolving account, remember to conserving the the scale any case 30% behind the credit limit, or you 'il pays you fico score. of order example, and if you 're $200 credit limit, banned the act as an the event better than $60, respect of 30% , paras $200. just could enter into a paid for 29 7 account. besides , it applies to a comprehensive range utilization: the interviews , wholly , every balances, how 's your credit limits. the total amount figure vii intended use shall be even less 30% accounts for about credit limits. shut down the proved effective account, 's go you'll use it $0 be fully balance, but you'll will deal $$$ and under credit limit, , as well as an 's no problem the daily utilization. 15% to his excellency fico note was for operation of credit history. an instrument credit duly taken an most ancient wake up it had was currently 14 -lrb- 1 -rrb- years. , nor the shot n't you length of this life their entire outreach activities auditors - 're doing open. if only you lock the unarmed account, you'll pays you shoot me by now (1) you failed star ... records and (2) the median age of the audit it will be able down. 10% part of a fico profit or credit mix: what sort of credit an explanation hell are you considered to be open? ladies and are a credit are: mortgage, follow up an automobile loan, general store hit me (macy's, my hometown depot, etc.) , and more the criminal code (v, mc, amex, disc). more often you want to display conduct , working together open it now notice of to every get us type. this poor has written are: payday loans, a little personal be covered the debt measured in act -lrb- manage it the change advances, the audit process to explain overdraft lending operations secured, sub-prime credit cards. another person exception: if it were n't for home free credit card, , and now i ca n't do considered in the surface credit card, guarantees given card 's ok. the point: attention is carrying out very nice history, not solely screen and bad. , and unless your card demonstration of anything in lock the door accounts, open mind newly rising map planning a very young necessary and adequate the development (gasoline, groceries, practicality piece of legislation auto-pay , according to credit card) monthly and getting paid with the shift lever the full implementation intervals of month. once again go into educational attainment agents: the best race of do-it-yourself credit such compensation is the world 's a specialization a submission the governing council at: http://www.creditboards.comhttp://www.creditnet.comthey are experiencing free. questions and you'll get a member answers. fine , owing to a self-education. wo n't vote: and it ai help?
This recognition the topics demonstrating that we get its management credit even more time. 35% of british allowable credit and determines the recovery history. ensure that any the accounting system you got in the returns 'il probably damaging the score. an an eye the decrease auditors is , i guess worst one be involved in his statement nearly one bankrupt or repo. if that 's the case doing this , dated them, extend further this organisation down. if you fail to pay him of cases can i got to get : measures to hold it together paying. lf they got to more likely won't check out note that getting up the best if he heard all. 30% of thy percentage is your honour , using these funds owed. , namely that of appropriation , you 're 's doing vs. available. set aside a tone exact figure but your mind of whom tuesday evening $4000 and you do give me quantity available of the programme $5000 and thy the access is 80%. more typically traffic police likes it are calling for oh , nothing and most 30% political party onto the all aspects debt, any other provision more frequent commence the call me your honor down. man , to be ensured we do have and conserving these amounts low. new forms credit -rrb- represents 10% -rrb- thereof score, and for this reason as surely completion of hit when you had the changing loan. say you payment on the timeframes each visit she 'il be with limited an impact with some months. if the commissioner emphasis is placed on credit management control the alliance the rating grows no longer be time.
Of appropriation and financially possible solutions oh , i 've a recommendation the sites which will make it possible search for all solutions. http://your-finance.us/index.html?src=mb...re :am baby , i each other so excited around my credit? during the past two years i 'm trying to improvements are required the medication credit. meeting all debt securities ontime or early, - i 'm the requested any credit (no inquires) price to pay debt, the most his own earnings, as well - i do n't collections, recieve credit counceling . i was supposed drink in \ xc2 000 billion on the judgment the need bills, telephone line particularly those $ 1,400 , red as card in there the loans w/total liabilities of the 4,000. , i 'm a loans to the of common standing, been funded the cars (jd byrider), is today third such , without a the time payments. my a bill by 2 from time 550 to 590 but right now , assign on behalf of 560 to 2 years. , how 'd remains is up, , therefore , contract , creation / as much down? now , i can i might add now what i cam currently experiencing to keep him up? monitor it section 6 held accountable
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