American Cedential Lending Online loan ripoff thru international loan scam New York, New York

16th of Oct, 2011 by User389945

I went online to apply for a bad credit loan to try to consolidate my debts into one loan to pay them off easier. Other programs appeared to want me to pay too much per month so when Kathy Hall called my on December 1, 2008 with an approval for the $12,000 loan amount, I researched the company over the internet and did not find anything from the Better business Bureau and decided to proceed with the process. I had her send the contract and I looked it over and then sent the $968.75 "insurance fee" to Brian Ward in Alberta Canada on the 3rd. Later, I call Kathy and gave her the reference number for the amount. I also faxed the paperwork to Kathy from the local Kinkos which also included my drivers license and social security number. I had not heard about identity fraud until this issue. When I went to check my account on Friday, the money still had not arrived, as such I contacted Kathy Hall and she told me that Mr Ward wanted an additional $500 since my credit score had dropped another few points.I then asked if we could get that in writing and she stated that would delay the loan until Monday because her Legal Department would have to send me an email and they were very busy. I first told her that we could not do this, but then she stated it would take 30 days for me to get our money back. By this point, I though that maybe we could try another lender thru Kathy and after talking to my wife sent the additional funds thru Money Gram and the local Walmart. I then call Kathy and she stated it would take 45 minutes for the funds to hit my account. The wife and I went to the Chiropractor and when I got back still had not received the loan. I called Kathy a total of 30 times then was being routed through her screening service. I tried not leaving a name or number, but was still routed to her voicemail. I then filed a complaint with the BBB, the New York Attorney General's office as well. We estimate that we were put out for over $2,000 after the fees and overdrafts from our bank. Using the Whois.com domain lookup tool, I found out that the Amecrel.com webstie was owned by Stephanie Henry on 32 Broadway Avenue Toronto, Canada, ON M4P 1T4 Canada. I also have a fax number for them of 416 389 6479. I have maintained every document from this issue and plan on doing something about this issue. I have no idea what it is I will do, but I have a network that is near Toronto that I am trying to track down this person and demand our money back. I will take only copies of the documents with me and even create a digital copy for placement online. If the event I come across nefarious associates and am harmed that these documents will be released as public record to help bring down this group of scam artists that exists with our neighbors to the north.

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