I received a phone call from Benjamin Stone on December 6, 2008 stating that I was approved for a $10, 000 loan. He explained the loan to me in detail and I even asked several questions to make sure that the loan was legite. He then told me he would fax the loan agreement to me and that I had until December 12, 2008, which was a Friday, to make a payment of $1823.34 to Morgan Bonfield in Edmonton, Canada to cover the first 6 months of payment due to my current credit score. I even sid to Mr. Stone, you are absolutely sure this is not a scam, because if I pay this money by the 12th, I will not have money to buy Christmas for our children and I will then be 2 payments behind on my car loan. Mr. Stone assured me that the loan would be in my account on Monday December 15th and that he was absolutely positive that the loan was legite. At first I was leery of this, thinking scam, the whole works. But then I read the loan agreement carefully and seen nothing out of the ordinary, and money grammed the cash. I then called Benjamin Stone to give him the reference number from the money gram, and he went into detail how I would recieve paperwork in 7-14 days and that I would receive the $10, 000 on Monday, since banks don't deposit on the weekends.
Monday December 15, 2008 came and no money deposited. I then received a call from a man named Harry, senior executive explaning that the assurance department reviewed my account, once the $1823.34 was received and has deemed me needing to pay another 4 payments totally $1215.86 and then I would receive my loan of $10, 000 the very next business day. This is when I broke down, hestarically crying, because the payment of $1823.34 made was my car payment and the money I needed to buy our 7 children Christmas. Harry told me the extra money was explained in Article VIII of the loan agreement, and when I read that, before making the initial payment, I thought how could they want more money, I making a payment of $1823.34. Harry explained to me that I have until January 10th to pay the $1215.86 or I can ask for a refund for the $1823.34.
I have contacted an attorney, who has been in contact with the New Jersey State Attorneys office to see what can be done. I am bound and determined to get my $1823.34 if it takes me the rest of my life. I hope that no one else gets caught up in this scam. And in case you didn't realize, the web site is no longer in existance. So they scammed enough people to get the money these THIEVES needed and are probably preying on some other innocent person. All I wanted was to pay on some bills I owed on, one being our house payment, before our home is foreclosed and we have no where to live with 7 children. It's a sad, sad world we live in. And believe me, it only takes me ONCE to learn a lesson.