Question by : How do I recover from an Advance Fee Loan Scam, I still need money and even worse now!?
Here’s a letter my boyfriend typed out about the whole ordeal which went down just yesterday. He used his entire paycheck to conduct this loan, and now we are left with 4 kids to care for and not a single red cent til his next payday June 1. I guess when you look at the big picture, in the whole scheme of things feeling sorry for ourselves should be the last thing I’d need or want to do. We have 6 beautiful, healthy children, a great job and all. But faced with the harsh reality of what happened yesterday, and looking toward our future, it’s kind of hard to stay positive. Let me enlighten you.
About 48 hours ago our future was looking pretty bright. Then it all came crashing down around us in a matter of a few hours. What seemed to appear to be a way out only got us in deeper into a mess.I am referring about a loan company that promised us the world (at least to us it would have been), then yanked it out from under us. Sure the warning signs were there in front of us, but we were sucked in by our false sense of hope, and security, and what seemed to be their willingness to help. The (so called) name of this company is Citizen Financial Services. They have an address at: 2 Great Falls PLZ Auburn, ME 04211. Phone: 1-800-942-9970. They also have what looks to be a legitimate website: http://www.citizenfinance.net .Two main characters at their office are Mark Wainberg and Steven Underwood. We even spoke to Adam West (go figure). Names on the official looking paper work and documentation are Karen Rice, the aptly named Head Accountant of the Financial Dept. and let’s not leave out good ole’ Calvin Smith. He’s from Bedford NS Canada. May all of them burn in Hell!! Excuse me where was I? Oh Yeah! We did the research, and did what we thought was a careful examination. It looks as though we may have missed something along the way. Hindsight being what it is, from the first $ 580.00 they asked for, for the so called “insurance” we should have walked away. But just like the con-artists that they are, they waited for about an hour or so, letting us fester with hope and expecting a deposit into our account. Then they called back and asked that we pay another $ 400.00 because somewhere along the way, the agent (Mark Wainberg) forgot to inform us that a loan of this size was going to require a little bit more security. Finally when they got all they could out of us (literally) they had the nerve to say that if we could come up with another $ 290.00 for the Canadian sales tax (where Calvin Smith comes into play) that the loan would definitely be deposited in to our account. After what seemed to feel like the longest hardest day ever (and I was an active duty Marine for eight years), we are left with a bigger hole to dig our way out of!The point of this letter is to first and foremost, send out this message:
“Beware” of this company and many like it!! For the loan, we were promised $ 7500.00–not really a whole lot when you stop and look at it. However, that would have given us some “breathing room”, a chance to finally have a shot at making a fresh start. We had a plan worked out, budgeted it, and put it all on paper, and for the first time ever, this was going to be a goal I (we) could accomplish.
Over the course of a few months due to some unexpected car repairs and such, we have fallen behind on some bills. We do not try live beyond our means. I have made some poor financial decisions in the past which puts a damper on my ability to attain a loan from a creditable institution. My girlfriend is a stay at home mother to her children and mine, and a Darn Good One!!! She has a goal and is attending classes to become a paralegal.Citizen Financial Services offered us what looked like a way for us to put all back together again.Boy do we feel like suckers!! In conclusion, I guess what I’m trying to say here is when I send this letter out into cyberspace, I hope that someone will see it, and yeah maybe get a good laugh out of it, but also talk about it and maybe feel the need to forward it to someone or a to a business that might be willing to take a chance on helping a family in a crisis. Granted, we realize there are many more families in more of a desperate situation than ours. I am not saying that we are forced to give up. I am just mad that crooks like the ones I spoke of can get through the system which allows them to get away with this.

What I’d really like to do is find a legitimate loan company, one who can help a family in need. Neither one of us has very good credit, but we have worked out a budget that will afford us a monthly payment of $ 100-200. We do own our car (which is too old to use for collateral on a loan), but that is all the property we have between us. We would never ask for a handout, but if someone out there who’s in a better position than we are happens to read this and would like to make a loan to a nice family, please contact me at jamie2283@msn.com.

Best answer:

Answer by It Only Gets Better!
I didn’t waste my time reading your book here.
You have been scammed. You are a sucker and they got you.
What were you thinking, to pay for a loan before you got the loan.
You have lost your money , there is no way to even find these THUGS, they hide behind “free” web accounts and use burner cell phones

Sorry this happened to you, HOPE a lesson was learned here.

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