Complaint Review: Apex Personal Loans

May 1,2007 Mr..Calvin Brock Contacted me in regards to a loan application i filled on line through Apex Personal Loans. He stated I got approved for my $5,000 USD loan at 9% interest rate but i needed to pay four months in advace cause i have bad credit the total cost would be $681.00 and the $45.00 insurance premium and after they got that I was GUARANTEED $5,000 Dollars and the next payments would again begin Sept 1,2007. The money was to be deposited into my bank account.

So after checking with the better business Bureau who said NOTHING Bad about the company and of course coming here I saw nothing I Felt things were ok I called them and asked where I send the money to. He said it was to be sent to Their office in Oritario Canada where their Main office was. So i said Ok. They wanted it sent there Via Western Union which i felt was good cause i would get a receipt.

SO i sent it and called them to let them know i sent it they then said ok the money will be in your bank account in ONE to Two hours. After checking in two hours and No money i contacted them and they said Oh by the way there is a new caribbean taxes law which went into affect May 1. I said well that has nothing to do with me cause i don't live there. They said it does cause that's where my money is coming from.

At that point i said *WHAT* She said yes cause your credit is so poor we had to go outside of the country and you need to pay $699.00 plus $399.00 for application fees which your loan officer had waived and the 699.00 got dropped to 499.00 So i said send me a new contract with this in it. which they did so, i sent the 499.99 and again a red flag popped up after they said pay this and we promise the money will be there... So i asked What's the problem now?

They said Mr..Brock had no right to say he waived the 399.00 cause he got denied. I said wow So now i owe 399.00? They said yes I said Forget it. They said ok if you choose to cancel then you owe us 499.00 to cancel. I said ok send me ANOTHER contract with why you need 399.00 more dollars I will review it and see what can be done. because to be honest we gave all our money to them on Friday and had to borrow from family for the $499.00 So there isn't anymore I can give.

I have contacted the FBI as well as the the Internet Crime Complaint Center Apex keeps calling saying we have a debt of 399.00 and it needs to be paid. I Have all paper work from this company and all receipts.

Natalie
manassas, Virginia
U.S.A.