I filed a complaint with Better Business Bureau in Floriday during last week.  I received their answer today in the mail..the case is closed since when they sent Hillsdale Financial mail and received it as "nondeliverable--address unknown."  Can you imagine??  Did they even try to call their number?  pretend that they were applying for a loan??  My feeling is that they did NOT do enough! Anyone else get an answer from the BBB in Florida or else where??  I'm ready to contact the local channel stations in my area and see if they can help.  I am not going to sit idly by and allow them to get away with this with anyone else--not as long as I have a voice! (They still are scamming from some place if you read the above comment--notice the dates.)

I got an approval for a 5000 loan. Security deposit up front fee of 735...sent money out on 26th...got call 2 hours later saying insurance policy wasn't going to work...need another 6 months up front...told the customer service manger return my money to me..said it will be in my account on 20 march...call number after 11pm nothing at all..sent money to Calgary, Canada...I wonder if matt grafton really does exist??BBB in flordia are on them...

My husband was contacted by a Raymond Sheppard about a 6000$ loan and was told we needed to send 1200$ to secure the loan.. As this happened to us about 2 years ago my husband spend a lot of time on the computer til he found this site.. Thank God for ppl everywhere reporting this.. We too did not and WILL not send any money so they can line their own pockets.. And we totally agree in times like this, people like this should be put in jail but we can't find these ripoff artistss..


Everyone everywhere please beware and don't fall prey..

I was contacted by Roger Tanner from Hillsdale (x648) for an approved $12,000 loan with a 6% fixed interest rate for 6 years.  My payments would be $198.46 and he wanted me to send the first 7 months.  Obviously, if you're applying for a loan, you can't come up with $1398.22!  I called him back and told him that I can come up with only the first 4 months for the private investor - secured loan collateral.  He said that he spoke to his manager and that 4 months was fine.  I was just about to send him my check today.    He said that I could send a check and that I would receive my loan in 10-14 days or I had the option of wiring money.  Good thing I looked up this company and read all the scam reports on them! The only thing is, is that they have a copy of my drivers license.  I did file a comlaint with the FTC.

hello, i was almost a victim of this scam too.i needed a loan for school and he almost had me. I was talking to a roger tanner however. he seemed so legit over the phone so i filled out the paper work, and then looked up this website this morning, low and behold nothing seemed right. he said i could have a 5000 dollar loan with only 6% interest, all i had to do was send 820 via money gram not western union to some woman out of the country and that would be applied to my principle. well something didnt seem right to me. i mean i am only 21 but i am not no dummy. anyway. i was suppose to send that money today but will not be doing so.

Very similar story here-I was contacted by Matthew Grafton.  $5000; 4yrs; 6%; $938.08 down.  I fortunatley did not proceed b/c it sounded very odd.  IF you are offering a high risk loan, how can you ask for $900 down?  If I had $900-I wouldnt be looking for a high interest loan!

I am sorry for those who were taken and thankful for everyone's story that helped me determine my uneasy feelings were accurate.  If I had lost that $900, I would have lost my car also...

I too got taken by these people.  I got a call from this number by a Matthew Grafton who seems like a nice guy.  He told me I was approved for $20k at 6% with a payment of $292.17/month. The loan was for 84 months.  Because I did not have collateral I needed to secure the loan with a 6 months security deposit advance payment.  I told him I could not get the money.  He re did the loan docs and said to send $1000, he would give me a credit for the remainder I was to pay.  He said this I would include with my first monthly payment I would make 4 months frm the date I receive my loan.  I took my entire pay check for that pay period and sent it to a lady and with the intruction he gave me.  I was to send it by Money gram to a Nicole Bauer in Calgary, Canada.  He even told me to do it through a Walmart but not to tell them it is for a loan because they will not send it.  I ask him why, he said that Money gram got sued lately for scams that was using their venue to get money and they are very strick.  He said they currently talking to mony gram to find a better way for their clients. I told him about what I found on ripp off.com he said those were unhappy customers who did not get approve and now blaming them.  I sent the money,yes I did.  Later that day I got a call from a David Burk who told me there is a small snag with my application but as soon as we clarify my money would be in my back the same day.  I said when they sent in my deposit with their credit to the insurance company they rejected it, it has to be all from me.  I sent in another $560 to the same lady in Calgary Canada.  I called Matthew Grafton he acted surprise that I have not gotten my money yet.  He said he could not access my account but will see what happen and call me back.  I did not get a call from him all day so I call him back but it kept going to his voice mail and he not returning my calls.  I call David he said Matthew does not have access to my file any longer he is the cs manager and now in charge.  He is the final voice on my file and he guarantees my loan with this last deposit.  The next day I receive a call from Paul Dunken.  He said the lender backed out but they are going to sue them on my behalf.  I ask when will I be getting my refund, he said on March 14th.  He said but we have another lender willing to give me $40k with the same low monthly payment but I would have to deposit $2k more.  I told hime I was tapped out of borrowing resources and did not have where to get the money (by this time I figured they were a scam).  I told him that I was no longer interested to refund my money, he got sharp with me and rude.  He said he is trying to help me but I don't want to help myself,I told him I just want my money back, he said to call him back when i grew up and hung up.  
A week later I called him, he said how much did you get I told him just want to verify that my refund is coming, he not let me finish talking.  He said he is busy and not have time for me and hu.  I called back and left him a message to call me back and and it looks like a scam.  He left a message saying that because of my massage he was cancelling my refund, he is going to sue me,trial will take 3 years after which time I would get my money.  He said I cut off the only hand that was going to help him.
Folks I am a minister I don't make a lot of money, I borrowed money from friends who trusted me, my mother who was to have a surgery now postponed for lack of this money.  Please!!!! let find a way to get together and do something about these thieves.  Please let me know who is on board.  The person who is checking with your lawyer let us know but not on her, I am sure they monitor website also to see what their ratings are.  I will be checking with a lawyer also.

I wasn't so lucky... I applied for a $28,000 loan.  I wired them a total of $5400 to Canada to a Kelly Lucas and still didn't get my loan.  Said I would be reimbursed by the lender on March 20-- yeah, sure.. I am so sick and feel so dumb about this.  I've lost out on my money, on the scam of this loan, and 8pay-day loans that I can't pay back.  I also have to file for bankruptcy due to these loans.  Learn from my mistake.  Don't fill out an application with this company (have you noticed their website is no longer on display?), if you do, don't fall for them like I did, and don't, don't wire them any money like I did.  I consider myself smart and yet, I was fooled.  I'm a victim.  Don't be a victim like me.  I was also contacted by Robert McCaul, David Burke, and Paul Buncan (who was condescending and very intimidating).

It seems that there are enough of us to where we can not just talk and cry over this horrible murderouse kind of behaviour.  We must find the way to come together to get the authorities to begin investigating these companies.
I was treaten by Paul Dunken also that he would not give me back my money and would on top of that sue me.  Well that might just be the thing we need to bring this to public display.  I have nothing so he can take nothing.  I am not affraid of going to jail for my rights so he has nothing over me.  I am working on something that involves the media.  Together we are strong.  We have been victims of one the worse stealing crimes in this day and age of economic downfall.

This is in response to the above comment (my original comment appears above that one).  I went to the Atty General's Office in my city and was told that because I wired cash and wired it to Canada, there is nothing that can be done--that I've lost my $5400.  I went to my local police station and was told by a cop, "we're a local station, there's nothing that can be done."  Went to my local newspaper, they may do an investigative piece on it.  I called various big law firms around here and no one will touch it.  Does anyone know how we can go about doing a class action suit?  I'm with you--especially, the comment above (Pat).  I am so sick about this.  The only way I feel better is if I continue to do something--if only to have my voice heard.  This is not right.  That there are people out there who will do these scams, and be able to sleep at night.  By the way, I faxed Paul Buncan a letter on Sunday night requesting that my money be wired back immediately--do you think I've heard anything, yet?  No way and I don't plan on hearing anything.  Class action suit is the way to go, I believe.  Anyone else aboard?  Any attorneys that read this site??  I plan on contacting Channel 12 Investigative News-- I would think they would do a piece on this.  Thanks for listening, maria

I applied for a loan online inorder to help my family, which in the end screwed everyone over.  The next day i received a call from Barbara Kipper saying i was approved for a 5000.00 loan and i needed collateral for the loan.  I told her i'd like to use my vehicle which i had just purchased and knew it was worth 5000.00, she told me they couldn't use the vehicle because it wouldn't be worth 5000.00 insted they needed 6 months payment up front an amount of 860.00. The next day i sent that.  Then the next day a David Burke phoned and said the lender had backed out, they would be filing legal action against the lender and i would in the future receive money from the legal action, but they had found another lender that would give me 10000.00 they just needed another 860.00, like a dumbass i sent that money plus more that they requested later.  once i sent that i was told the funds would be transfered no later than monday at 8pm.  Tuesday i received a call from Paul Duncan saying that the lender wanted another 1800.00 for insurance.  I told him all i could send was 1000 and he said they could give me a credit and once i received my loan i'd send the credit back.  The next day i received a call from mr. duncan again and he said the lender didn't accept the credit and needed the 800 from me.  well again like a jack*** i sent the money.  the next day still no money in my account.  He then told me they needed an additional 1500 b/c the gov. had a hold on the money.  i told him i was sending no more money because i had already sent 3500.  he told me i'd have my refund march 7th, since it fell on a sat. i'd have it no later than 5pm the 9th.  I called him on the 9th and it wasn't in there. he said he pushed my refund up 2 the top and it'd then be in there no later than 12pm the 10th, it wasn't in there then and i called him back and they had done something to the phones, but luckily i got around it and he told me to call back in 2 mins he'd get my file.  well, stupidly i hung up before thinking.  Now when i call back i can't get through all i get is a GOODBYE.  They know what numbers u call off of. I will find another number to try 2 get through on.  I am from ga. if i have 2 i will go to orlanda and find out myself about this address.

Google Hillsdale Financial Group and you will see just what I encountered too.  Dont answer the phone.

Here is another dummy.  820.00 for 5000.00 This time it was Barbara Kipper and she was very nice and accomatating, I was talking to Barbara Kipper, Jeff Lawton,Rob Burnette supposely the Manager and this last the call came from David Burke.  I went thru the deal and no money, Called the day after money was to be deposited and Barbara said file locked and I was to talk to Rob Burnette her boss and he wanted another 820. told him no I was already in hole with the first and he told me I have till the 1st of April then it would be cancelled, I told him to cancel now and send my money back and he said no that it was policy to refund on the 1st of month when canceled IN The CONTRACT But I am not holding my breath for I really believe to have been had.  When you check out the hillsdale website that they say they belong you will notice of the owner his email.  igotu@   Guess this is right  Called this company and they deny any dealing with these people and they supposedly reported them to the authorities.

my son fell for them he did  not think that he would get  rip off they got him real good now he broke and no money for his bills he is going to lose his car i wish we could get them because i don't know whats going to happen he is give up on life because all he wants was to clean him credit up and pay off everything they told him that they would loan him 20,000 if got give then 4,000 or 5,000 he is take it real bad  he a real good kid but they got him good i hope they are very happy because because i not i worring about losing my son over this he is only 20 yrs old

plus they want u to send it to Canada though money gram he should had know dum kid he try to get a head and it don't work out for him

here is a web for scam canadaonline.about.com/cs/scams/a/recol.htm     and www. IC3.gov here u can go if u been scam

i was ripped off 850.00 by this same company called to say i had been approved for a 5,000 loan; i just needed to send an initial deposit for the first 4 months payment and 5,000 would be deposited to my account. #1 i feel so stupid for falling for this; it is a complete scam; i cancelled my loan after being asked for a second 850; and after telling the manager Paul Duncan that i thought they were scamming me , he told me i could drive to Florida from Idaho and pick up my refund check, or wait till the 16 th of March for the refund; i yet to be refunded, and when i call their number it's a message saying GOODBYE! SO YES IT IS VERY MUCH A SCAM BEWARE!!!!

HAS ANYONE RECEIVED THEIR REFUND YET?????? DOES ANYONE KNOW WHO TO REPORT THIS TOO.

I gave them a money order for 935.00 and I feel like such an idiot. Know I am out of that money and in a worse situation than before. Why do people do such horrible things to people.

I agree with Maria q., we cannot just sit and take it.  There got to be something we can do.  Action lawsuit is great if we can get one going.  We need to get out of our local areas and see if we can get the attention of the national media.  Email them, call them.  If enough of us complain if time we will get notice.  W need to organize ourselves and send email,letters or phone calls to the major medias our our country.  For example, we chose a certain week or month when as a group we target a media like cnn, foxnews or nbc etc and send them letters,emails and phone calls about this scam.  This of course in addition to what we do to our local media.  Let get the word out on you tube, face book etc.  Let's use the internet to our advantage till someone hopefully an attorny, a news investigative team etc get an interes in taking this to the next level with us.  This is how it is in our good old USA, something is important when it becomes popular.  Let's use our effort and make it so popular that the media, police, government,etc will take notice.  Think of the people who are not reporting this on this website and those who are yet to be have.  Write up something on ripoffreport.com and other such website.  Let's use the free internet sites to post our story or advertisement against hillsdale financial group.  Let's not take it laying down.  I don't expect to get my money back but we can at least put them out of business and who knows put them behind bars.  Who is with me???

called offering a personal loan saying i had to send in the first 4 payments. Unfortunately, I send the moneygram to Canada in the amount of $894 and now when i call the number i get a recording saying thank you and a hang up.

my son fell for the same scam with  Hillsdale financial group and i wish he would listen to me i knew it was a scam wish we could find them because my son is only 20 and he is losing everything because he sent them around 4000 or 5000 dollars all because he thought he would get 20.000 he is really up set

Hi I am 26 year old female unfortunately I spent a lot more than I earned and how I am in a credit card debit. My credit use to be good and I was once approved for a loan but not anymore. Then I went online and found Hillsdale I was relieved and shocked I knew something had to be wrong but being soo much in debt (11k) I was soo happy to find out I was approved for an 8k loan. Then I decided to do some research and came across this website. I am so happy that I did my research and didn't give them any money. They wanted 1,300 for an 8k loan. I am also sad because I do need this money. Can anyone help me and tell me where I can get a loan with really bad credit. We need to stop Hillsdale from taking advantage from good people like us who made some mistakes. The woman I spoke to is Barbara.

supposed to be a loan company but couldn't find any info on it. hillsdale financial group (.net) in orlando florida and a guy name raymond sheppard. any clues?

got a call from hillsdale financial group.Robert mccaul.sent me loan contract.didn't fill it out as I couldn't find anything about them.anybody in orlando go to 7680 universal blvd suite 240 and check them out.be sure and post so the rest of us know.

rec'd same phone call...in final stages, the mgr of the money gram told me he thought it was a scam...had seen a lot.
sending $2350 ahead would be cashed, then the offerred loan would be cancelled once my check cleared...conjecture on his part but I backed out...matt grafton was the contract....don't answer the phone...the money (6 mo payment) was to be sent to Calgary, Cananada.....fri 13Th!

rec'd same call and I told them to take the up front fee $2877 from the loan amount and send me the remainder....of course they would not...very nice and friendly but when I suggested that I felt this was a scam and I would not send any money he was very on top of explaining why this is not a scam...and then when I would not budge he was polite to ask that if I was not interested they would just cancel my application.....he was quick to be done with the call....I came to this site to check this out....I am quite sure this is a scam after reading the previous comments.

I receivec the same call as all the above.  With a very skeptic mind I did my research.  I found a report from this lady.  http://ripoffreport.com/reports/0/422/ripoff0422676.htm

I will not be dong business with these people.
I hope this helps
Take care.

I8885562683, I GOT A CALL FROM THIS NUMBER YESTERDAY FROM A GUY NAMED RAY. HE SAID THAT I WAS APPROVED FOR A LOAN FOR 20,000. HE TOLD ME THAT I WOULD HAVE A 6 PERCENT INTEREST (FIXED) AND THAT MY PAYMENTS WOULD BE 167.98 FOR 15 YRS. HE ALSO SAID THAT BECAUSE I WAS HIGH RISKED, THAT I HAD TO SECURE THE LOANS FOR A 1000!!!!! KNOWING THAT I JUST TOLD HIM THAT MY HUSBAND HAD BEEN LAID OFF FOR MONTHS NOW, HOW IN THE HELL WAS I SUPPOSED TO PAY 1000 TO HIM?! HE ALSO WAS SAYING THAT I HAD TO PAY IT TO INSURE  THE INVESTORS WHO WAS GIVING ME THE LOAN AS A DOWN PAYMENT JUST SO IF I WAS TO BACK OUT OF THE LOAN, THEY WOULD BE COVERED. SO I LET MY HUSBAND TALK TO HIM. WE TOLD HIM THAT WE WOULD GIVE HIM AN ANSWER TOMORROW. ME AND MY HEBAND DECIDED TO LOOK THEM UP ON THE BETTER BUSINESS BEAUEA WEBSITE, AND OF CORUSE, COULD NOT FIND INFO ON THEM BECAUSE THE BUSINESS DID RESGESTER WITH THEM. RED FLAG!!!!!!!!!!!!! WE WONT BE CALLING BACK TOMMOROW OR EVER AFTER READING THE COMPLAINTS HERE. WHAT A SCAM!! SHAME ON HIM TO BE DOING THIS, KNOWING EVERONE HAS BEEN GOING TROUGH FINANCIAL DIFFULTCULTIES.

also a guy named robert mcall called from the same company it is all a fraud he didnt even no anything he was talking about.

My wife applied for a loan for a procedure that she desperatly wanted.  We were told that to a $5000 loan we would need to Money Gram the first four mounths payment to Andrea Barnes in St. Paul, Alberta, Canada.  4 days after sending the money we were called and told that the finance company had backed out of the loan and would only do business with us if we could provide anither 4 months, which unfortunatley I did.  The next day we were told that the lender backed out all together and that we would recieve a refund March 14th.  All of a sudden now feel like a total idiot, we got taken.

Now when I call all I get is an option to leave a message, when before they picked up the phone immediately.  Looks like they have my number registerd and don't feel like talking to me.