I remember clearly how desperate I was to make things better for my family about 3 and 1/2 weeks ago, and when I received the phone call from Jason Harper who told me I had been approved for a $5, 000.00 loan, I also remember the tears streaming down my cheeks. He told me that his company had actually denied my application but they did have a private lender who agreed to take on my loan due to my credit scores, however I would have to make the first 6 months payments up front for collateral because since it is a private lender, it wasn't insured.

So, as desperate as I was, I agreed to it and sent the money by money gram to Angela Merritt in Alberta Canada. I still have all of the paperwork, every piece and every receipt. When the deposit did not show, I began to get really scared because I had used the money that I was suppose to buy my 2 babies Christmas gifts with on a loan that was suppose to help us, so I called back and got Terry Flemming, manager, who had my file because there were discrepancies in my credit history, and then told me that the lender needed an additional 6 months.

Now I have sent them a total of $1, 920.00 the exact same way and same person and after 4 hours, no deposit. Needless to say, I have learned my lesson, but as a mother, the looks on those 2 little faces, as well as my husbands, will stay burnt in my heart and my mind for the rest of my life. Thanks Grinches who stole our Christmas. It's Just Begun.