I looked into the company and looked for anybody reporting scams and found none! I then called him back and that is when he told me like all others that I needed to put down a 4 month up front down payment and it would be taken off my princple amount of the loan. I told him I didnt not have it and he said he would work on a hardship for me that the company will sometimes pay partial downpayments. But due to my credit history a whole bunch of very smooth scam lines to make me think he know what he was talking about, I agreed to call him back in a few days.

This went on for over a week and finally called back and told me I was approved for the hardship and only had to come up with 630.00 and they would cover the rest. I like others really needed the money. I did as he asked and sent it to A man by the name of Patrick Gibbles. Todd promised my money would be in my account by 5:00pm that night 5Nov10 I then recieved a call by the man of the name John Mcbride stating he was Todds manger and the loan had been transfered to him. Which has now been reasseed and I reguired another downpayment.

Very very upset I told him i gave him all I had and could not give anymore and had to have the money for rent was already passed due. (due to giving the downpayment ealier) He just as smooth as Todd was talked to me stating what I thought were federal guidelines for loans. Meaning I had to give them the money or I would not be able to have the loan. And risk the chance of lossing my roof over my head and small daughters.

Needless to say I did so. I am now out over 1200 and have not seen hid nor hair of any money. I have called the # and they still go to Todds voicemail but not a voice mail of John's.

I have filed police reports and bbbs and will be doing all I can to get this brought to everyones attention!