I was applying for loans to get us through the month for me and my husband on different websites and was contacted on November 13, 2009 by Cassandra Reed of HWD Financial that my husband was in fact approved for a loan of $6, 000. Cassandra Reed contacted me via e-mail and left me her telephone number which is 877-333-9829 ext 104. I tried to call her back a few times but was unable to reach her. Cassandra finally called me on November 16, 2009 and told me the terms and conditions of the loan. I had her e-mail me the loan documents. The loan documents stated that we were to pay a premium of $705 to Countrywide Insurance Group for insurance on the loan due to our credit rating. She also sent us a letter of guarantee stating that we would get our premium back in three months as long as we made our payments on time. We agreed. Cassandra then asked me to wire the money Western Union to a Samuel Browne Halifax, Nova Scotia, Canada MTCN: 361-810-6982. She told me to call he office with that number and the funds will be released immediately after that, that was on November, 19, 2009. On November 20, 2009 about mid-morning I received a call from Cassandra stating that there was a mistake in the calculation of the insurance and they would need additional money…something like $505. But she offered us $10, 000 for an additional $743 Western Union to Samuel Browne, Halifax, Nova Scotia, Canada MTCN: 653-297-1019. I called her office with the MTCN number and she called me two hours later and told me the funds had been released and I should see them in my account by Monday November 23, 2009. On Monday the 23rd I checked my bank, no money. I them received a call from a guy named “Brian Gay” who's last name is also Davidson, stating that I had to Western Union $450 for taxes on the $10, 000 in order for the funds to be released. I was furious and cursed him out. But we were desperate and needed the money so I Western Union the funds to a Dwayne Walker, Halifax, Nova Scotia, Canada MTCN:962-226-4974. I called Brian back with the number and he promised the funds would be released immediately. Still there was no money wired to my bank. I started calling them and asking them for my money back. At first they lied and said 6 weeks, then 4 days, them tomorrow, etc. I have reported this to the FBI Internet Fraud Unit (ic3) Phonebusters (Canada's report line for fraud), Michigan Ag’s Office, Western Union Fraud Division, Michigan's Government Office who gives out licenses for corporations (HWD Financial is an LLC) and my local police. From what I am told this is a scam and I will never get my money back.

Some info you should know:

Owner: Corey Termaine Howard who lives in Michigan and owns another company called Metro Equity Group LLC.
Wife or other relative Cassandra Reed/Howard is the supposed loan consultant who mysteriously vanishes after the first transaction (before Brian calls)
Website is [url]www.hwdfinancial.com[/url]
Address 413 N. Main Street,
Royal Oak, Michigan 48067
Not a real address

List of employees who answer the phone:

Cassandra Reed
Patrick (Cassandra’s assistant)
Jonathan Hall
Brian Gay (Davidson)
Mike Ink
Travis
Gregory

I suspect they are all the same person or two different people pretending to be different people.

Resolution: I’d love my money back, but I really want to shut them down so they can’t scam anyone else.

I know my resolution sounds like a pipe dream but if it's the last thing I do I'm going to shut them down and stop them from scamming anyone else!

HWD Financial took $1900 from me and my husband and was supposed to fund a loan for us for $10, 000. To date, I have received no money in my bank account. Now I have to close out our account and monitor our credit.