I was contacted by Ashley Swan (now Ashley Swain) of Paclendinggroup.com about a loan opportunity provided to at risk lenders to help get them back on track financially and also help with rebuilding credit. The loan was a secured loan, but secured through cash. It was presented that I would pay the first 3 months payments up front, as a sign of good faith, for a $5000 loan at 8% interest. Because of a divorce, losing my job, house and becoming homeless over the summer, my credit dropped from a solid 780 all the way down to a 440. This loan was going to help me find housing, get some debt under control and really restart my life. I paid by Western Union a money order in the amount of $450. 3 months @ $150.00. It was money I didn't have just laying around,and it broke me sending it to them. But the contract looked good, Ashley was a good person seemingly working hard for me, so I put my trust in humanity. I paid them Friday afternoon and never received the loan money. I tried to call Ashley a couple of different times but kept getting her voicemail. Finally by late Friday night I have given up. I called again on Saturday morning and Ashley answer the phone. I asked her where my money was, and she said my file had been flagged due to six months of non-payment to a hospital. She said that spooked the lenders and now they wanted three more months up front. I was devastated and angry because I had given them all of my money all the sudden I have nowhere to live no money and no job. Ashley told me that there was no way I would be getting any of the loan money without another $450 payment. I called everybody I could and came up with the $450. I sent the money and again no money was returned. I did not get my loan for a second time. Again I called Ashley numerous times on Friday evening and she would not answer the phone. Saturday rolls around and again she calls me. She says that there has to be insurance on the loan and that I have to pay the insurance. The insurance on the loan is $500. Ashley tells me that her company was willing to pay $150 of the insurance because of all the headaches. she said that her company did not want to pay it but that she fought for me very hard and almost lost her job. I felt so thankful to have someone like Ashley on my side and I really believed and she had my best interest in mind and in heart. So once again I'm forced to come up with money that I do not have. I'm living in shelters on the streets I am sleeping on couches when I can. I am washing my underwear and t-shirts and undergarments in sinks in public sinks. I go days without even changing my clothes. And to make this all even better it's during the holiday season. I have a 15 year old daughter that I'm hoping I can give a Christmas to. For the last $350 I have no choice but to ask a loan shark for the money. This isn't just some online lending company this is an actual loan shark in the Denver metro area. A dangerous person if not paid back. I didn't know what else to do. I asked for a refund but was told the refund would take at least 30 days, which would leave mean no money for a full month and no money for Christmas. I borrowed the money and once again sent a money order from Denver to Ontario, Canada. And once again I sat and waited and waited for my money. Well this time the excuse for me not getting the loan was that the lending company did not like her company paying any of the insurance. I came up with the rest of the money I lyric I had before over and over again, constantly holding up my end of this fake bargain. I asked Ashley to put it in writing that after this was paid there were no more take-backs and the loan would be paid. She sent me a letter, a very half-assed letter actually, saying that with this last payment the loan would be paid. I made that payment on a Friday again but after banking hours. She told me I would be first in line Saturday morning and I would have my money. Saturday rolled around and she made excuses about taxes and end-of-year taxes and and finally about 12pm mountain time, she said the payment was sent and I should be getting it in a couple of days. the payment never came. She tried to blame it on the Federal Reserve holding the money, she tried to blame it on my bank not processing it. She even gave me a fraudulent tracking number for the direct deposit. Finally after over two weeks of waiting I called Ashley Swan-Swain out and I forced her to tell me there was no money. She had the audacity to try and get $350 more dollars out of me by saying there was a border tax for sending the money from Canada to America. I told Ashley quite frankly to go to hell, along with a lot of other very choice words. I am out the money and the loan. This company says that they are based out of San Diego. I called the leasing company for the address on their website and they told me they had never even heard of this company. The logo they used on the contract they sent me was ripped from a real company in Garden Grove, CA called Pacific Lending Group. I ran an IP Trace and traced their company all the way to Burlington Massachusetts. The address where the IP stops at a company called Endurance international Group. From what I can tell Endurance International Group is a front or an umbrella for a number of shady businesses Endurance International Group themselves hold a very low rating on Google and just seemed like a company that is not on the up-and-up. Because of what has happened, this company has caused me severe emotional mental and physical stress. I've had so many sleepless nights laying on a cot, or wandering the streets of Denver, pondering what to do. I was robbed during this time, I had two cell phones stolen from me, I had to sell my car, my best shelter against the cold Colorado winter, because I had no other choice. I missed Christmas with my family because I was too embarrassed to show up wearing the same clothes I had worn for 5 days straight. No haircut, no beard trim, smelling like a trash can that had sat out for 5 straight days, and I had not one single present for my daughter or any of my family for that matter. I spent Christmas in a park, alone. The loan was supposed to come 2 days before Christmas. What kind of people would do that to anybody especially over Christmas. These people need to be stopped. They need to be jailed and they need to be severely punished. I'm telling this story today, in hopes that this never happens to anyone else. I was a sucker and got played like an idiot. I needed the money desperately and I put all my eggs in one basket. That was my mistake and I have to live with it. Please learn from my mistakes so you don't have to.
Keep moving forward and God bless,
All of money back, $6000 loan that is forgiven at $100,000 for severe pain and suffering.