| TLC Insights Inc |
| TLC Insights Inc. Owner: Robert, Bobby Cavigliano Innovative Advance Loan Fee Scam Rochester, New York |
| 5th of Apr, 2011 by User852148 |
| I found a loan offer listing on craigslist, and I responded to it. I was contacted by Bobby Cavigliano who informed me that he provides loans to people with questionable credit. He gets around the questionable credit by doing thorough background checks during which he ascertains the character of the loan applicants. He then has a committee which reviews the loan applications and makes a decision whether or not to grant the loan. In order to apply for the loan, one must provide their fingerprints, $735 background check fee per applicant, and a written loan proposal stating the amount of loan, repayment term, and reason for loan. He also took an oral tape recorded loan application via phone. If approved for the loan, applicant must also have a life insurance policy with Robert Cavigliano as beneficiary. The life insurance policy must cover loan amount and interest. This is his way of reassuring that his loan will get repaid if applicant dies. He charges 25% interest and maximum repayment term is 10 years. My mother and I applied as joint applicants. I sent $1470 covering both of our background check fees via Moneygram to Robert Cavigliano. I have a copy of that Moneygram sent on 6/4/10. I also have a copy of certified mail receipt for sending fingerprints and written loan proposal. He said that I would receive a welcome notice indicating that my application was being processed, and I never received any such notice. I was contacted by Robert on 6/21/10 who told me that they could not access my credit report because of some credit lock, and that he needed $220 to bypass this. I again sent him a Moneygram for $220 in his name. I kept in contact with him via email and Skype, although I was never able to visually see him on Skype, for months. When I complained on how long it was taking for his committee to make a decision on my loan, he reiterated that there were other loans in front of me. My mother and I were loan applications numbers 386 and 387. At one point I told him that my mother's godson thought that he was a con artist, and he completely went beserk. Months later he told me that because of this remark that I had shared with him, that he could not do business with me. He further told me that he would refund the $1470 security fees and the $220 credit glitch fee. Again months went by, and no refund. He did contact me 3 weeks ago stating that he had been out of state for 6 weeks on business trips, and that whomever reviewed the fingerprints did not send him back both sets. This was the reason for the delay of my refund, but that I would have my monies in 10 days. Again 10 days came and went, and no refund. I have heard about advance loan fee scams, but at the time I didn't realize that this was such a scam. He sounded so credible in stating that the monies were for security checks, including criminal background checks. I applied for this loan in June 2010, and I was promised a refund without actually receiving one from Robert Cavigliano. |
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| I ALSO GOT SCAM FROM TLC Insights Inc. |
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