Print the value of index0
The Locators - Alliston Financial Group - World Wide Insurance Group phone ripoff Atlanta Georgia
On/about 12/29/2005 I filled out a loan application online at Alliston Financial Group http://www.cashmoneylenders.citymax.com/page/page/2628995.htm.
Thier Address on website was 1575 Peach Tree ST. NE,Suite 429
Atlanta, GA 30309
Phone #(877) 225-1115 M-F 9-5 PST
1-734-931-1130 (this number appears to be somewhere in Ann Arbor Michigan forwarded to Jamaica)
On/about 01/04/2006 I was contacted by a Mr Criss Peters (phone message) telling me my loan had been approved for $4000 to contact a Mr Bruce Denson at 1-877-225-1115 he would be my loan consultant/contact and "congratulations on my loan approval".
On/about 01/05/2006 I contacted Mr Denson and he explained I did not qualify for an unsecured loan (that I had applied for) that I would need collateral. He begun to explain what collateral was and what they would take. IE...car (not more than 3 years old and clear title), home, land etc... I told him I did not have that collateral, but thanks anyways.
He then told me about insuring the loan as collateral. He begun to explain they can insure against the loan with a 1 time deposit of $485 with World Wide Insurance Group (55 Grove Lane Unit #62 Kingston 5). He explained I would get the entire deposit back after settling the loan/terms in 24 months. I agreed to the insurance to secure the loan and I would look over the paperwork. During my conversation with Mr Bruce Denson he mentioned a Mr Mike Shalland was with World Wide Insurance Group and would be setting up my account/trust with that agency.
I asked Mr Denson who he worked for and he stated The Locators and then later stated Alliston Financial Group. I asked who the lender was and he said he couldn't tell me that because they didn't want me to contact the lender directly, but that it was a local lender here in Florida.
A Mr Kirk Allen (allistonfinancialgroup@mail.com) then emailed me the paperwork/agreement with both The Locators and World Wide Insurance Group. There were some errors in the paperwork (Mrs instead of Mr, and some dates were wrong 2005 vice 2006).
I contacted Mr Denson back and told him what the errors were to correct them and resend the paperwork. They corrected thier mistakes and resent the paperwork on 01/06/2006.
The paperwork to include 5 Pages ...Loan Offer, Important Loan Disclosure Information, Loan Agreement, Loan Transfer Paperwork (how I want the loan sent to me, mail/electronic transfer (I chose electronic transfer), and World Wide Insurance Group Document explaining the insurance coverage/cost etc...
The 'Loan Offer' paperwork also asked for additional information to complete the transaction to include: Valid Picture ID, Proof of Income (pay stub) and Validation of mailing address (utility bill). I faxed to them same day all that information on 01/06/2006.
I read the paperwork (Loan Agreement) as follows: The loan was for $4000 at 15% interest ($746.74) totaling 4746.74. The length of the loan was for 24 months and payments were 197.78/mo. with 1 time deposit for insurance coverage against the loan of $485 (held in trust) to incure 3.75% interest per annum.
I called MR Denson back on 01/06/2006 and asked about the interest on the insurance deposit to be held in trust, if I was to get the interest as well as the deposit after I pay off the loan. He said "YES".
The Locators loan paperwork was signed by a MR Arthur F Ryan (Customer Relations Group Manager) and the World Wide Insurance Group paperwork was signed by Lisa Stenson (Senior vice President Smart Coverage Insurance Services).
I read, signed, and faxed all the paperwork back to Mr Denson 01/06/2006, Mr Denson contacted me and stated everything was in order all he neeeded was the deposit for the insurance, to wire $485 via Western Union to a Mr Hugh Elliot (whome I assumed worked for World Wide Insurance Group).
On 01/07/2006 I contacted Mr Denson and he again stated everything was in order and my paperwaork had been transfered to Mr Criss Peters for final execution/transfer of $4000 to my checking account to contact him at 1-876-879-7545. If I had any problems or the money did NOT arrive to contact Mr Denson back.
I immediately contacted Mr Peters, he told me everything was in order and that I WILL have my money electronically transfered by the morning of 01/12/2006.
So I pateintly waited for my loan to come in. In the meantime my phone got disconencted (sometime on 01/08/2006, I did not know this at the time).
On the morning of 01/12/2006 approx 9:30AM I looked up my bank account via internet, no money had been transfered. I contacted my bank via phone, (thats is when I relised my phone had been disconnected). So I used my cell phone to find out if there was a transfer that hadn't posted to my account yet, the bank said "NO".
I contacted Mr Peters to find out why and what the problem was, as well as give him my cell number. He stated he made several attempts to contact me, for some additional information (he never stated what that additional information was during that conversation), at my home number but wasn't able to, so the Insurance Company backed out of the agreement. They were going to need "DOUBLE" the insurance Premiums to secure the loan now.
I told Mr Peters I WILL NOT send, nor have the resources to send additional money.
I WILL NOT SEND THEM MORE MONEY. I have a signed agreement between me, The Locators/Alliston Financial Group and World Wide Insurance Group for a loan of $4000. I have completed to the letter my side of the agreement. They have yet to transfer funds to my account.
Mr Peters said I had 3 options at this time
1. A refund of my insurance deposit (that will take 30 days, not stated in the agreement about a refund or how long it will take)
2. To put my loan 'back on the net' and try to get me a loan with the deposit I already sent. (that could take weeks, if at all)
3. Send the additional funds (another $485).
Mr Bruce Denson, Mr Criss Peters and some secratary, un-named at this point, have all stated they work for The Locators/Alliston Financial Group. Thier head office is located in Atlanta Georgia and these are the phone #'s I have been given for the home office: 678-318-3415, 877-456-5170, as well as the numbers from the website. All phone numbers go back/or forwarded to Jamaica.
When I contacted 877-456-5170 A lady answered the phone "A Sure-In Financial" when I asked about the Locators or Alliston Financial Group, she said I had a wrong number and hung up on me before I could ask anymore questions.
I have used 411 in Atlanta Georgia to find out if Alliston Finacial Group/The Locators or World Wide Financial Group are located at the address listed on the website or if that was a correct number from the website. 411 was unable to locate any such company's or a phone number for that address at 1575 Peachtree Street. I am also unable to find out the phone number to World Wide Insurance Group.
I have contacted Mr Cris Peters on several occasions now and he has stated he's had no luck securing me my loan with the funds ($485) I already sent, to be patient (he has seen this process take from 2 hours - 2 weeks). I have yet to see the loan or a refund. 01/22/2006
Andreas E.
Baldwin, Florida
U.S.A.
6 Updates & Rebuttals
Andreas e.
Baldwin,Florida,
U.S.A.
Alliston Finacial Group Won't Go Away.......
#7Author of original report
Sat, June 10, 2006
On June 7, 2006 at approx 1:35PM my wife was contacted by phone from a Mr Arthur Ryan. He claimed at this time to be the "CEO" of Alliston Financial Group.
He stated to her he had a check in the amount of $4000.00. But he needed additional funds in order to complete the transaction.
He however was very vague and would not answer many questions.
He did state that thier home office was located in Atlanta Georgia, only now it was on Sunset Strip...wherever that is.
The call she received came up on caller ID as Kingston, CB and the number was 1-876-574-4968.
He stated before rudly hanging up on her that his number was 1-876-394-8278. Also stating that this was his toll free number.
After contacting the phone company she found out that this IS NOT a toll free number and that this number is a Canadian number. According to how it came up on caller ID. But I believe this still to be a Jamacan number, according to Nextell. Which Btw is the phone company they use.
I have contacted Nextell to report thier activity months ago, but they won't do anything, they told me to contact my local law athorities. There was nothing they could do.
I have since returned from a business trip and have attemted to log into the original website to find out they have been canceled since March of this year, according to another report on this site.
My wife contacted the FBI by phone to report this call she recieved from Mr Ryan on 7 June, and they told her to file a complaint on IC3.gov
I recommend everyone who has not yet filed a complaint on this website to do so at the earliest convience. Don't forget to keep your tracking number of the report you file on IC3.gov (I reccomend printing the report, that has the tracking number printed at the top, for future reference and updates. They will send you a email with the tracking number on it as well as a password to update your file as you need to.)
They FBI also stated to my wife when she contacted them on the 7th, not to make any further contact with Alliston Financial Group. Also keep any paperwork received, such as the contracts and receipts for the wire transfer etc....That may be used as evidence later.
Steve
Bradenton,Florida,
U.S.A.
Some info for Andreas E........
#7Consumer Suggestion
Mon, February 06, 2006
To make a long story short, you got taken.
There is no loan, and there will not ever be one. There also will be no refund. Here's why;
"Advance Fee" loans are ILLEGAL, and there is no such thing as "insurance" for an unsecured loan. ESPECIALLY one that pays you back with interest!
I spent many years in both the insurance business and the lending business.
AND, NO LEGITIMATE business will EVER ask you to send money via western union! ANY TIME someone asks you to send money by Western Union, it IS a scam. Period. This is common sense.
Western Union should ONLY be used to send money to people you know and trust, as there is NO RECOURSE to get your money back.
Andreas e.
Baldwin,Florida,
U.S.A.
RETURN TO SENDER UNDELIVERABLE AS ADDRESSED
#7Author of original report
Mon, February 06, 2006
On 01/26/2006 I sent 2 letters containing both the report's I filed with IC3 (Internet Crime Complaint Center) and a letter from the BBB (Better Business Bereau) addressed to the address on thier website, which was confirmed by the people I been dealing with on the phone (Criss Peters and Bruce Denson)
Alliston Financial Group / The Locators
1575 Peachtree Street NE Suite 429
Atlanta, Ga 30309
Both letters came back today 02/06/2006 as states in the header as "UNDELIVERABLE"
I also received a phone call 02/03/2006 from Criss Peters stating my loan was disapproved (I already knew that, he told me that few days before then), but he will still try to get it approved by putting it back "ON THE NET".
This was after speaking with him on 02/01/2006 stating "I wanted a refund + the money it cost me to originally send the wire" again I stated "I wanted a refund"
He has taken it upon himself to put my loan back on the net to get approved. He also stated that it takes 30 days, as I said before, but I had to "request a refund" I have done that. Or so I thought.
Thier website is, as I see it, false advertising and anyone doing business with them or contacted by them should file a report here on this website, as well as IC3 http://www.ic3.gov/
and the BBB http://www.bbb.org/
I have tried to notify NEXTEL about them using thier phones for this activity, but have been told by NEXTEL that they could not do anything, that I needed to contact my local law enforcment agency (which I will do).
I have been in contact with a private attorney, but it would cost more to recover the money then it would to take them to court.
Your right Mike, I have been taken and do not expect to see my money ever again. Thanks for the advice, I'm sure this kinda tyhing will never happen to me again....live and learn right.
Mike
Radford,Virginia,
U.S.A.
Andreas, the whole thing is a fraud.
#7Consumer Suggestion
Thu, January 26, 2006
The whole thing is a fraud. They NEVER loan ANY money to ANYONE. They don't need to investigate credit history because they'll never make the loan. All they do is take money upfront, as much as they can get, and then ignore you. Your money goes out of the country by Western Union (sure sign of a fraud) and is never seen again.
It is illegal to ask for money upfront to "insure" a loan. There are few legitimate loans other than mortgages that have fees associated, but in any case the fees are always taken out of the loan proceeds. For example the borrower will get a check for $5000, but then he makes payments as if it were a $5500 loan because of $500 in fees.
Andreas e.
Baldwin,Florida,
U.S.A.
Private Investigators
#7Author of original report
Thu, January 26, 2006
01/26/2006
Apperntly The Locators or the insurance groups, perhaps the lenders they deal with DO NOT check your credit reports before they offer you the loan you requested. They hire 'private investigators' after they receive your deposit. BTW, when requesting a loan on the application they ask you what your credit history is, good, bad, indifferent, etc....
That way they have an excuse to raise your insurance premium (double) the amount. And they get to keep your money for 30 days before giving you a refund.
I quote "Thier hands are tied on that" something about the 'refund company' i guess, who has the money, cause they certainly don't.
And if you do request a refund, it begins from the time you actually request a refund, I requested one the first time they told me they wanted additional funds (01/12/2006), however that doesn't count since they put my account 'back on the net', at thier own discretion.
If you have any questions, keep in mind they are 'very busy' people and quick to wanna get YOU off the phone. But they are very happy to wanna get you the loan you requested, You just gotta be patient with them and let them keep YOUR deposit, till THEY are done with it.....what a way to do business.........
Andreas e.
Baldwin,Florida,
U.S.A.
Called for refund
#7Author of original report
Wed, January 25, 2006
I called The Locators (Mr Criss Peters) this AM to find out the status of my loan. All I got was some guff and I asked for a refund, I was tired of being patient. He tells me it will take 30 days to get a refund. Thats how long it takes to get the money from ...get this...'THE REFUND COMPANY'. I did not know there was such a thing as a 'refund company'.
I have faxed a copy of the report I posted here on this website, and still they do not wanna co-operate with either a refund of my premium or the loan.
So far I have filed with the BBB, IC3, spoken to a private attorny, NEXTEL, western union, and this website.
01/25/2006