Omni Financial Investments

Review: I applied for a loan with Omni Financial. I was given 4 options by which to secure my loan. I chose option 3 which was make four payments up front to show I would be able to repay the loan. When they sent me the contract I read it over and called to ask about a part that said as a new borrower I had to pay for an insurance policy. I was told by Ms. [redacted] that I didn't need to worry about that because that was not the option I chose. So I signed the contract without that page included and sent it back. I was told I had to send in the payment of 1200 dollars to secure the loan and then my loan would be in the bank within hours of them receiving the money. So I got my sister to send the money for me through [redacted]. The money was sent to someone named [redacted] from their [redacted] affiliates. When I called to ask where my loan money was I was told I had to buy this insurance in order to get it. I told them that was not the agreement I had. I refused to send them any more money and told them I wanted my money back. I was told I would receive a full refund of the money that was sent in as well as a prepaid credit card worth 200 dollars to make up for the cost of using [redacted] to send the payment and to make up for the misinformation that was given to me by Ms. [redacted] That was the end of November. They have not been answering my phone calls, not returning my calls and not responding to my emails since then. This is the last letter I sent them...To whom it may concern,

Your company has terrible customer service. You won't take my calls or return my calls. According to my phone I have called 18 times. The last 10 or more calls I've made have been unanswered and no one has ever called me back. You have 1200 dollars of mine that I want back. You have had plenty of time to refund my money. I asked for the refund on November 27th. It is now December 23rd and I do not have my money. I was also told I would receive a prepaid [redacted] worth 200 dollars to make up for the mistakes you made. Where is it??? I'm getting tired of waiting. My kids are not getting any Christmas gifts this year because I trusted you people with my money and now I am paying the price. I hope you are happy. I hope you all think about my family struggling over this Christmas holiday while you all enjoy the money you stole from me. Just so you know, I am going to post this letter on line for everyone to see. Everyone will see what a terrible company you are and how you take advantage of the most vulnerable people. I have never dealt with a company that doesn't even have the decency to call back. What kind of person would actually work for a company like this? How can you look at yourselves in the mirror in the morning and be happy knowing you are stealing from the poor and the most desperate and vulnerable people? I could never do it. But I guess that's because I'm a caring [redacted] Enjoy your Christmas.

Sincerely,

[redacted]Desired Settlement: I would like my money back and an apology. I would also like to have this company on record for their misconduct.

Review: [redacted]I applied for a 8 000$ loan online on November 24, 2014. On November 25, 2014, I received an email stating that a representative named [redacted] would give a call soon. The next day, November 26, 2014, Miss [redacted] called me to tell me that I was approved for a 8 000 $ loan with 8.75% interest. She told me that my monthly payments would be of 170$ a month for a period of 5 years (this information is all stated in my contract and I will gladly send it to you if you need a copy). She told me that I had 4 options: 1) get a co-signer 2) Had to have a 2009-2014 car with no lean 3) Send 4 payments in advance as a security deposit and my first payment would starts in April, 2015 or 4) Pay 1 400$ advance on the insurance of the loan and if I make the first 12 payments I get a full refund of the 1 400$. She sent me the contract on the same night (November 26, 2014). I read it all, signed it and sent it to her the next morning (November 27, 2014). The option that I choose is number 3 (4 payments security deposit). I called her back the next morning to see how I would send her the deposits. A guy answered her phone stating he was filing in for her and put me on hold to get my file. He told me that everything was taken care of and that they were only missing me 4 payments for me to get my 8 000He told me to go to Western union to get the money to them. I told him that miss [redacted] had told me that I could do it through my bank account. He told me that he would look for notes of Miss [redacted] and give me a call back the same day. He never called back. I called back and left a message to Miss [redacted] stating that I had talked to a collegue of hers and that he had asked me to go to western union. I told her that a was a bit septic because of scams that are going on with Western union. She told me not to worry because we had a legal contract. I sent my boyfriend to Western union. He made 4 payment (680$ + fees) to the executive (Miss [redacted] and we never heard from her again!Desired Settlement: I want my 680$ + 42$ fee back ASAPPlease note that I am unable to send documents with my computer but I will be able Monday morning on my work computer. Please send me an email or phone me with a fax number or a email were I can send the signed contract. I can also send the western union information about [redacted]. Please note that Omni Financial investments states that they are located in [redacted], New Jersey but the money was picked up in [redacted], Canada.