California Cash Advance/Pay Day Cash Advance
Queja 109084 Detalles

I had applied for a couple of payday loans online and started receiving phone calls, like hourly to go with all the junk emails I was also receiving. I first didn't answer the phone and let them go to v.m. which most didn't but then I started answering them to tell them to take me off the list. Most of them were not relevant, but this one call from California Cash Advance said, I had been approved for 1500 loan. well that was more then the 300 I was looking for, and I was skeptical, but I thought I would get the information from this guy and talk it over with my husband. He provided me a loan number and stated that I only had to pay a 100.00 application fee that would be refunded with the loan once the application was approved. I need only pay the 12 fee at western union for the transaction. I asked for his name 'derrek smith' and his company name which he advised was Payday Cash advance out of California. he provided me a phone number 213-457-3535 to contact (different from the phone number that he had called me from 206-496-0425) and that all I had to do was call that number once I reached western union and his supervisor would help me complete the rest of the transaction. I talked it over with my husband we googled the number and came up with nothing other then it was a california number. I waited two days and took 112 to western union, called the number I was supposed to and I was told Mrs Susan the supervisor was with another client but this guy would walk me through what to do. he told me to fill out the form and send the money. I did this and then he put me on hold once he had confirmation. Mrs Susan came on the line and said that they just need to get the rest of the paperwork completed and the would be back with me 30 min. I could stay on the line. I was thinking this was a scam, so I stayed on the line, she checked back with me a couple of times and I told her I was still waiting. Eventually over an hour later she came back and said they would need 400.00 for insurance on the loan, in the case if I defaulted on it. I went round and round with her, because I had the original 100 but in order to get the additional 400, I would need to pull from several other accounts and they would be short for some already pending debits/checks. I just needed 300 or so originally so it was a real hardship to send them additional 400. I spent another 30 to 45 minutes going over the validity of what they were asking and she promised it would only be 5 min and I would fill out the wire return form at the same time as the wire send form. I finally broke down and did this after 2 hours on the phone. I wired the funds to them and waited again, 30 min went by and she came back apologized for the wait and said all the insurance paperwork was complete, It should just be another 10 min and she double confirmed my wire return form. Next thing I know a guy named Gary came on and said they would be giving me a loan for 2300 but I needed to wire them 300 more for taxes on the loan. After tears and curses and threats I told them forget it I want my money back, he said if you are cancelling your loan you will get only 200 back, I freaked over that, but then started thinking I need to get anything back I can, I asked for what ever was owed me to be returned and he said it would be 10 days and I would have it deposited into my account. I realized at then not only had I messed up royally, I was the stupid idiot on television who you say "didn't you think it was too easy, why send the money the second time" They are still e-mailing me and calling me the same people looking now for my ss# and account number to issue refund. Like I am going to believe anything now. Just know when you are desperate sometimes you will believe anything because you think these people can't be that cruel. Well guess what they are.