Kingston Financial Services...the Payday Lender..actually did what they promised: I applied for a loan, they deposited the money, and the auto-debits have been occurring.
However..AND THIS IS CONJECTURE...AND I HAVE NO PROOF...But...due to a medical situation with my family, I have had to reallocate my financial resources and thus have missed 3 payments.
Fast forward, I received a phone call from someone identifying himself as Officer Chris William (who scrupously avoided directly saying he was affiliated with /or sworn law enforcement) who indicated he was with a "law office-Cyber Crimes Unit" and if I ignored the call, a team of sheriff's deputies would be waiting for me (again, avoided saying what these deputies would do once they visited me) and my employer and supervisor would be apprised of the "lawsuit" that has been filed against me. He left a phone number 425-905-1389. Person did have an accent. Of course someone naive would be panic stricken because this individual said all of the correct -key words and inferences (lawsuit, "Cyber Crimes Unit", "deputies"...yada...yada..yada). Well I ignored the deadline and gee...no deputies. I also contacted the "owner' of that phone number and indicated that a user of the number is employing questionable tactics; and I also added a post to reverselookupdatabase.com..who also had a number of complaints against this 425 phone number.
Now I am NOT saying this is affiliated with Kingston Financial Services. I'm just pointing out a coincidental event. Draw your own conclusions!!
(Sadly,.,,these firms are needed because in the U.S. now, the unsecured ,personal loan market is "gone" if you don't have a credit score of greater than 600 (more like > 630) . You are subprime and if you need a loan, you cannot get one. I work for a large financial corporation (and I mean LARGE) and the chairman recently stated that the subprime market was not a market he wanted to be in (though he was talking about mortgages but the underlying message applies to all markets). Sadly, if it weren't for Kingston and a couple of the other PDLs, I would not have been able to help my family.