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I just received a call from Kristen at cowell and conners…

I just received a...

I just received a call from Kristen at cowell and conners financial group telling me I am approved for the loan I applied for on line and I need to pay in advance the first 4 months to release the funds. Id this a legitimate financial group ?

Lawyer's Assistant: Has anything been filed or reported?

No, they just emailed me the contract per my request.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I have been looking on line for a loan with poor credit, I do not remember applying with them specifically.

Lawyer's Assistant: What state is this in? And when did the issue begin?

Their address says in Ohio, they called me an hour ago

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3/7/2018
Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 57,040
Experience: Attorney with 29 years of experience.
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Hi! My name is Richard & I will be helping you today! It will take me a few minutes to type a response to your question. Thanks for your patience!

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It is not. This is a scam and you should not pay them a dime. If there was truly a loan approved, they could simply advance you the net amount and withhold the first 4 payments from the loan proceeds. The fact that they are asking you to put it up before you get the loan is simply a clear indication there is no loan. If you send the money, you'll lose the money and still have no loan.

This is the part of my job I don't like...when the law is not in favor of my customer. I wish I could tell you this is legit, but, I can only provide you information based on the law so that you can act on the best available information to you. ………..I wish I had better news, but can only hope you recognize and understand my predicament and don't shoot the messenger. I'm sorry!

Thank you so much for allowing me to help you with your question. I have done my best to provide information which fully addresses your question. If you have any follow up questions, please ask! If I have fully answered your question(s) to your satisfaction, I would appreciate you rating my service as Good or Excellent (i.e., 4 or 5 stars)(hopefully Excellent/5 stars!). Otherwise, I receive no credit for assisting you today. I thank you in advance for taking the time to provide me a positive rating!

Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 57,040
Experience: Attorney with 29 years of experience.
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Customer reply replied 4 months ago
They said the 4 months I pay in advance will be deducted from the loan amount and my first payment starts on august 1, do you have any comment on this arrangement?

Thank you so much for the 5-star rating! I know rating takes an additional step and I truly appreciate you taking the extra time! It's been my honor and privilege to help you with this. If I can help you in any way in the future, I'll be happy to help. For easy access, my bookmark is: www.justanswer.com/law/expert-legalbeacon/ . Or, simply request “Richard only” in the first line of your question.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

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