Tuesday, September 9, 2014

Am I Being Scammed?

I found a cute 2 bedroom home on craiglist for rent for $455. Usually when I see these ads, I know its too good to be true and I ususally just look and keep going, but this ad actually had someone's name listed as the contact person so I contacted.  This person said this:

Hello,

Thanks for your interest and inquiries about my house. Yes the house is still available for rent and we are looking for a responsible person/family to occupy and maintain the house now that we are not around. Myself and my wife just traveled to California for a program called Joyce Meyer Ministries.We will be away for 4 to 5 years or more that is why I have made up my mind to put up my house for rent to whom ever that will take good care of it.  However,Our initial plan was to sell the house  but it was not successful because the Realtor inflated the price which made it difficult for me to sell before leaving the States so never mind if you see the for sale sign in front of the house, It has already been taken off the market as for sale so there is no need to contact any Realtor.
Also how long do you intend to stay? How soon do you intend to move in?

FEATURES AND AMENITIES: Laundry, Electric Range, Electric Heat, Master Bedroom, Playground, Car Park,Fireplace, Garbage Disposal, Microwave, security alarm, Pets Friendly, Refrigerator, Washer / Dryer.

DETAILS ABOUT THE HOUSE
Number of bedrooms: 2
Number of bathrooms:1
Rental price: $455 per month and security Deposit is $450(Security Deposit is Refundable) Utilities included in monthly rent.
Pets are Welcome.
Below is the address to the house:
5350 E William, Decatur, IL 62521

You can get back to me so i can forward you the rent questionnaire i would want you to fill  out.

Regards


First red flag was this I though Joyce Meyer Ministries was in Fenton, Mo. But, I didn't say anything, I replied:

Thank you for responding. I work as a contract employee for the state of Illinois--Illinois Department of Revenue as a Tobacco Compliance Specialist. I travel around central Illinois completing assigments that are sent to me. Currently, I live with a roommate in a 2BR apt, however, since I work from home I need more space to set up an office.  I'm currently attending Financial Peace University and my only debt is my student loan. I mention that because I was initially interested in buying a home, but in working the steps suggested by Dave Ramsey, I want to pay off my student loan and build up a substantial cash base before purchasing a home. I'm estimating that my student loan can be paid off in 2-4 years and then I want to save up maybe 30-40% to purchase a home. I WANT to be DEBT FREE, so that is my plan. 

I am also in school at UIS working on pre-requisites for a Master/Ph.D program and I'm paying cash for my tuition, so that is an additional expense. 

My take home pay is around $3600-$4000 depending on how much I work.  I can send you a copy of my contract that details my income for verification purposes.

It's great that you are working with Joyce Meyer Ministries. I went one of her conferences a few years ago and I watch her on TV :-)

I can move at anytime and would hope to do so before it gets cold. Please let me know what information you need from me.  THANKS!!

I drove by the house to see it and sure enough there was a realtor sign in the front. But then I got another email with all of the pictures and an application. The application did not ask for my social security number, so I was okay with that. But, I did send my contract with it which was a mistake because I forgot my contract had my social security number on it. Now I have to monitor my credit report. OMG. 

But, I decided to call realtor and the realtor did not have the listing on their website. So I was wondering if for sure this person was telling the truth. 

My credit is not horrible, but it's not so good either. We will see how this pans out.
 

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