Liberty Express Lending Group
Complaint 27115 Details

I applied for a loan through liberrty express lending group on September 26th 2011.On September 30th 2011 I get a phone call from Mr.Hannen.He assured me that I had been approved for $7,500 however, since my credit was less than perfect I needed to secure my loan.I had 4 choices.

1.Put up collateral
2.Get a co-signer with collateral
3.Pay for an insurance policy
4. Make 6 months worth of payments up front.

The way Mr.Hammen explained the insurance was that if I was unable to make the payments for any reason then the insurance would make the payments.Ok.We've been offered this type of "disability" or "credit-life" type policy before on other
loans.He then advised that I needed to send the Money Western Union, and they would reimburse me for the Western Union fees.I needed to call him back when I got to Western Union, and he'd tell me where and to who I needed to wire the money.He said make sure if Western Union asks who you are sending the money to, just tell them it's a friend, or a relative.Otherwise, they will make you pay a higher transfer fee.I get to the Western Union to pay the $590 for the insurance policy.He tells me to wire the money to Kevin Stewart in Brampton, Ontario Canada.When I asked why I wasn't sending it to a company again I was told because Western Union would charge me more.Kevin Stewart works for the insurance company.I call Mr.Hannen back with the MTCN, and he advises that the money would be direct deposited into my checking account within 1 to 2 hours.About 90 minutes later I get a phone call from a supervisor Mr.Nicolis Winten and am told that Mr. Hannen made a mistake, and that I needed to send an additional
$590 to the insurance company.Mr.Hannen had given me the price of a 1 year policy, but I needed a 2 year policy to secure my loan.I told them that I did not have the money to pay an additional $590. After about 45 minutes of being put on hold, Mr.Winten came back on the line and said that he had been able to negotiate the 2nd year down to $475.During this time I had looked up Liberty Express Lending Group everywhere I could on-line.They looked like a legitimate company.I then call my husband and ask him what I should do.He told me to go ahead and wire the other $475, and see what happened.I wired the additional funds and called Mr.Winten back with the MTCN.He assured me that the funds would be in my bank account by 10 am the next morning.I called him when I didn't see the funds, and he said that he was waiting confirmation that the insurance company had been able to retrieve the funds.I point
blank asked him if this was a scam, and that I was worried.He said and you should be "no what I mean is, no this isn't a scam" and you have nothing to worry about.Great I was pretty sure at that point I wasn't going to be getting anything.I thought this money was an answer to many prayers trying to get things caught up, because my husband had been out of a job for over a year, and had gone back to work in October.I get a phone call from Mr.Witen stating that there was some type of problem, and Western Union would not release the last $475 to Kevin Stewart.I needed to call
Western Union and see what was going on.About the time I started to call Western Union THEY CALLED ME.They asked me what the money was going to Canada for.I told them it wasn't really any of their business.The lady on the phone than asked me Is this money to pay for an insurance policy to get a loan?YES I said.She tells me
thank you for being honest, but we WILL NOT release the funds. It's ILLEGAL IN THE U.S. AND CANADA to require anyone to pay for a loan or an insurance policy upfront for a loan.Great, don't I feel like the complete idiot now.I call Mr.Witen back, and tell him that I just want to cancel the whole transaction, and to send my money
back to me.He said he would request the cancellation, however, it would take approx. 4 weeks to get my money back.Why?It didn't take me 4 weeks to send it Western Union - why couldn't the money be sent back Western Union?I got no real explanation why. The phone number that I was given, and used 1-888-495-8731.The
I filed a complaint with the BBB, and the mail sent to the address in the website had been returned to the BBB as undeliverable.I have tried getting in touch with Liberty Express Lending Group, but have had no luck. Maybe we should all file law suits against Liberty Express Lending Group I mean, after all it's THEIR website we used to apply for loans that we were all taken for