Complaint Review: Rockcliffe Financial Group

applied online for a loan, I typed in Google to find a loan for people with bad credit. I'm not 100% sure wich company i went through at the time, however i never completed out a loan for this company. It was one of those situations where your info is sent to potential lenders, and if thye are interested they will contact you. I recived a call from Rockliffe Financial on 1/7/08 from someone by the name of Andrew Sanlac. He explained to me that they are a lending co. and they had found a lender willing to take on my loan however it was based on specific terms due to my credit history. The terms were for a 5,000.00 loan I had to pay upfront the first 5 monthly payments of 157.50. it all came to exactly 787.50 and i was not due began monthly payments until july of this year. I said that I was interested however i needed time to come up with the 787.50. He said no problem to call him in a few days to let him know, But in the mean time he will fax over the loan areement to me. i recved the loan agreement by fax on 1/8/08. It looked Ok a bit straight to the point but OK. I faxed it back signed on 1/10/08. i let him know I will be making the payment on 1/11/08. He said that was fine just to call him when i'm ready. I asked him if I could use my bank card he said they take Money gram and werstern Union only. well i said that cost's extra. he said that I i was to use money gram I will be refunded the fee's by a seperate check by the co. So of course I used Moneygram. 1/11/08-friday I called him I let him know I was ready to make a payment, I was going to look for a moneygram location, He was so nice and said don't worry i'll look for one near your home for you now, it will take a moment, so i thnaked him. He found one for me. But i notice he was so caught up on wanting to not give me the moneygram info until I got to the location.(didn't pay it no mine)I got to the location and called him for the info he said not to worry he aleady had set everything up for me all i had to do was give the confiormation number to he cashier and pay. And all he needed was a referrence number. I still inquired about where the money was going he had told me that the my loan lender was located in canada. I said OK. I never had a company name just city and state etc. He then told me as I was giving the confirmation number the the cashier that if she asked who is the reciever he said to use the Name David Eggleton? I said why he said so they won't charge a business fee. Of course like a dummy i sad oh o.k., However the info was already set up by him with the reciever as david eggleton. So I paid a total of 820.00 then gave him the referrence number for the payment. he said your money should be in your account by monday the latest. If there were any problem to call him. I said thank you and hung up. Then I recieve a call saturday afternoon from someone by the name of Fank Portino, He claimed he is the Senior acct's exec, he started by apologizing to me about the terms of the loan that i was given. I said what do you mean He claimed that Andrew Sanlac had no authority to make the decision on the terms of the loan and the lender didn't agree to 5 months upfront he agreed to 10 months upfront. I said exscuse me thats rediculous. He claims that Andrew Sanlac is no longer with the co. anymore due to this situation, And if I could get out the additional balance of 787.50 he woulg go ahead with the loan, he also tried to sweeten the deal by saying he could up the loan to 7000.00 and not make me responsible for a payment uintil now january of 09, if i came up with the balance. He said he will send me by fax a letter of guaruntee that i will recieve 7000.00 wired into my account with 3 hours of payment and no payment's due till next year. I said I don't have another payment of 787.50 This is not the terms we agreed on you can't just null and void a contract. He said yes he can and there was nothing at this point he can do, he will be faxing out the letter of guarantee and to call him when i recvd it, he then became nasty and told me if I had to contact an atorney to fell free and do so. that was the end of the conversation. I right away and went online and typed in there company name in google and what do you no the first thing that popped up was Rockliffe Financial group -Rippoff-bogus Company-Scams-etc. I began reading all the stories that everyone went through with them and they are all recent within the last 2 weeks. I did recieve the guarantee notice, howeverI was on to them So i called them on monday (today 1/14/08) And I spoke with Frank Portino I let him know I didn't want the loan and to refund it back to me, th phone hung up. I called right back voicemal only, no answer from either Franks or Andrew's ext which by the way his voice mail and his ext is still set up, So guess he isn't fired. I then now called The FBI and was told to complete this report. I am praying these peaople are caught I will be willing to answer any questions regarding this situation. Please google this Company name and you will see the other victims.

Pissed off
Ridgewood, New York
U.S.A.