Vanguard Mutual Group out of Detroit MI used to be called Crimson lending group out of Aurora Illnois. DO NOT send wired money to this group because it is illegal for anyone to ask for upfront monthly payments for loans. It is AGAINIST the LAW to do so and these people are crooks. I was a victim of Crimson lending group which is now Vanguard Mutual Group and they will change their names as many times as possible to try to convince people that they are a an honest company trying to "help out people who wouldn't otherwise be able to get loans because of the credit crunch in banks". If anyone by the name of Ben Stevens, Steve Mayfair or Richard Smith calls, you know that they are scammers.
My story started out when a guy by the name of Steve Mayfair called me to tell me that I got a loan at a rate of 6% and that the person wanting to help me out was a "private" investor. He said that because of my previous credit problems, his "third" party company was going to help me out with the loan amount that I asked for. He faxed me documents that looked legal and he said that the documents were legal and it was bound by law. I believed it and I signed it and faxed it back to Steve Mayfair. He then told me that he needed $2346.00 to cover for four months and that I didn't have to pay for four months. He then told me that I had to wire it to Canada to a lady by the name of Barbara Galin and that I would get my loan directly deposited into the bank the next day. The loan never came and then he told me that I needed to further wire him an additional $2346.00 because of my debt to income ratio was soo high. I told him that I wanted my money back and then he said that he had to wait for the following pay period for the investor to return my money. They never returned anything and their website is no longer up. Don't fall for these guys because they are smooth and they will make you believe that they are out to help people. They are Scammers and I am going to report it to the BBB. Learn from my mistakes so PLEASE do not send them money because it is againist the law!!