allison houchen

ZERO STARS!!

SCAMMERS, THEY AREN'T LICENSED AND WILL CONTINUE TO WITHDRAW MONEY FROM YOUR BANK ACCOUNT EVEN AFTER YOU HAVE REPAID WHAT YOU BORROWED. They somehow gained access to my new bank account after opening a new one which is ILLEGAL. WATCH OUT FOR THESE CRIMINALS.

I took out a loan with AAR Financial expecting fairly standard terms, but what I experienced instead was completely unreasonable. The fees and interest they’ve piled on are beyond excessive—at this point, it feels less like lending and more like exploitation.
What’s especially frustrating is how far this is from what legitimate financial institutions do. Banks charge modest, transparent fees—sometimes as little as $10 for certain services,while AAR Financial seems to stack on charges in a way that quickly spirals out of control. It doesn’t feel proportionate or fair by any stretch.
On top of that, their customer service is extremely poor. It takes several days to receive a response to emails, and when they finally do reply, they don’t even properly address or resolve the issue that was raised. It feels dismissive and unhelpful.
There is also a complete lack of compassion. They appear unwilling to work with customers or offer any reasonable flexibility even in difficult situations. Instead the communication often comes across as aggressive, with threats of legal action rather than any genuine attempt to find a solution.
Overall, my experience has been incredibly frustrating. The combination of excessive fees poor communication, and lack of customer care makes this company, in my opinion, deeply concerning to deal with. I would strongly caution anyone considering borrowing from AAR Financial these practices feel unfair, predatory, and far removed from responsible lending. DO NOT I REPEAT DO NOT GET ANY TYPE OF LOAN WITH THESE PREDATORS.

Another example of their abuse. And to be clear I don't owe these people ANYTHING. They're scammers, so beware.

Email below

"THE LENDERS LOAN OVERDUE
C
collections@thelenders...
to me
2 hours agoDetails
Allison Houchen

Your loan is now seriously overdue. Take responsibility and do what you agreed to—we expect immediate payment.

We provided the funds when you needed them. Now it’s your turn to honor that agreement and fulfill your obligation. Every day you delay only makes this situation worse for you.

If this is not your intent, send $150.00 today to cover delinquency.

Send your payment NOW. If you continue to ignore this, we will proceed with contacting your references and employer and identify ourselves as calling from the fraud department of THE LENDERS

Here is the information to send an Interact transfer:
E-mail: collections@thelenders.c..
Please ensure to write down the full client's name in the memo section.

And for me to update this on our system just simply send back to me the screenshot once sent"


SCUM

These See you next Tuesday's must think people are dumb. THEY AREN'T LICENSED, THEY LEGALLY CANNOT DO ANYTHING. They're trying to collect illegal fees* principal of loan has been repaid).they've been harassing me daily for over a year. Just an example, the the harassment. Today they sent 6 emails within a two hour period. Each email was exactly the same. Copy pasted.

"are still waiting for your PAYMENT !

At this point this will become a bigger trouble than what it's worth and trust me, when we go through the legal process/bailiff, we are including all the legal fees, which will become thousands. Your HR and your manager will also be notified as we will submit the documents to them. Furthermore, we will not stop the fees or the interest, so it will incur until the judgment for this arrear is settled."

6 of the above email in less than two hours. Pathetic illegally run scam company.

Eat 💩

Edit.. If you owe money to these clowns. DON'T PAY THEM. Especially if you've repaid the Principal already, that's all you technically owe, since they aren't properly licensed..they can't do anything. Block their email address. Change banks. Block their phone number. They can get absolutely wrecked. They are thieves and their days are numbered. Trust me I've been ignoring them for months and they keep sending me the same hilarious desperate emails. Pure comedy at this point.

Fake scammy company. You don't have to pay these scum bags. After missing a couple of payments they were awful and straight up harassing me. Turns out they aren't properly licensed. They threaten a lot but never actually do anything. My advice to anyone "owing them money " don't pay them they will eventually leave you alone once they realize that there's nothing they can do.

WORST CUSTOMER SERVICE EVER.
I have been sending emails for so long trying to address an issue regarding an order that was never delivered. They will always respond asking for more information, but then the lines of communication go dead. They will stop responding to my emails. I just want a refund. You already have all of the information you need. REFUND MY ORDER. Do nit call me..

I HAVE BEEN EMAILING YOU FOR ALMOST 3 YEARS. YOU ARE A BUNCH OF LIARS. FOR THE LAST TIME, MY ORDER WAS NOT DELIVERED.. NOW PLEASE RESPOND TO MY EMAILS, I JUST SENT ANOTHER ONE..

You guys keep emailing me the same thing asking me to email you back so this can be resolved. And I have, like 10 times. Just refund my order please. This is ridiculous

I ordered from this company a few years ago. They never delivered the flowers I ordered for my mother for mother's day. I emailed them SOO many times and also tried calling with ZERO response. The order was around $150...I still get emails from them advertising deals but they can't contact me regarding a missing order.. Terrible service

* NO IT WAS NOT.. LOL..please do not tell me they were delivered when I know for a fact that they were not.. seems like this happens a lot with your company. I'M actually shocked that I FINALLY got some sort of reply. Now let's see if someone actually "reaches out to me ". You guys are a really crappy company and have zero customer service skills.

Update..
My order # was 937368

HORRIBLE CUSTOMER SERVICE. HORRIBLE COMPANY

SCAMMERS. DO NOT LOAN WITH THEM

ZERO STARS.. CROOKS.

Scammers. Unprofessional. They are not licensed and are thieves.

Do not work with these people they are scammers, who use fake names, pay for their 5 star reviews and worst of all steal from their customers. There is no phone number to call them at and they do not reply to emails!

This company will offer you money to give them a 5 start review, that's why most of these 5 start reviews are FAKE. I used star pay loans a few times and they were fine at first, until they took too many payments from my account and refused to pay me back or even respond to my emails..

WORST LOAN COMPANY AROUND. THEY WILL RIP YOU OFF! SCAMMERS

This company pays for their 5 star reviews. Do not trust them they have stolen from me by withdrawing too many payments from my account and refuse to pay back or even reply to my emails.. Most of these 5 star reviews are FAKE.

Horrible customer service. Do not trust this company! They will steal your money and harrase your references

This Company is not licensed. There is absolutely no way to reach them except an email address and they rarely respond to any emails, And when they respond they are very unprofessional and rude. They owe me money because they took our too many payments and they refuse to give me the money back. I recieved one email from "kurt" which is a fake name they use saying he would " look into it for me" never heard back from the company. THESE GUYS ARE SCAMMERS, SO BEWARE.

This company is RIDICULOUS. They are scammers and thieves. They owe ME money because they took out one too many payments from my account and WILL NOT return my emails and there is no number to call them.. 100% SCAMMERS! BEWARE EVERYONE