Personal Credit Services – Do they scam consumers?

identity_crisis04

i applied with pcs for a loan the email i got had a link it and i went to this and this what it said.
Here are the results of your loan inquiry. We have researched the following lenders and have determined that you will be approved for up to the amount you seek. See Guarantee below:

Lender # 1: Maximum up to $ 25,000.00-$ 30,000.00 as a personal loan.
Interest rates start at 8% and up.
Lender # 2: Maximum up to $ 5,000.00-$ 25,000.00 as a personal loan.
Interest rates start at 7.0% and up.
Lender # 3: Maximum up to $ 3,000.00-$ 15,000.00 as a personal loan.
Interest rates start at 6.25% and up.
Lender # 4: Maximum up to $ 4,000.00-$ 25,000.00 as a personal loan.
Interest rates start at 4.75% and up.
Lender # 5: Maximum up to $ 6,000.00-$ 12,000.00 as a personal loan.
Interest rates start at 8.5% and up.
Lender # 6: Maximum up to $ 500.00-$ 10,000.00 as a personal loan.
Interest rates start at 4.8% and up.
Lender # 7: Maximum up to $ 5,000.00 as a line of credit.
Interest rates from 9.99%.
Lender # 8: Maximum up to $ 1,500.00 as a line of credit.
Interest rate 18.9%.
Lender # 9: Maximum up to $ 20,000.00 as a line of credit.
Interest rates from 2.9%.
Lender # 10: Maximum up to $ 1,000.00 as a line of credit.
Interest rates up to 18.9%.
(Personal loans usually last for 1-5 years, sometimes 6-7 if desired.
Terms and conditions are subject to change at lender's discretion.)
You can ask for any amount you wish starting at $ 250.00. You must indicate how much you want, and you will need to send us a referral fee based on the schedule below. If you apply to these lenders you will be approved for up to the amount you request or we will reimburse your fee based on the amount you are actually approved for collectively from the lenders. The fee that Personal Credit charges is for the information that Personal Credit provides. If you wish us to release the information on these lenders to you, we will need to receive the proper referral fee that is due according to the following schedule:

ANY AMOUNT BETWEEN:
$ 200.00 AND $ 1,000.00 Regular Fee=$150.00 Early Bird Fee=$ 75.00
$ 1,001.00 AND $ 2,500.00 Regular Fee=$ 200.00 Early Bird Fee=$100.00
$ 2,501.00 AND $ 5,000.00 Regular Fee=$250.00 Early Bird Fee=$125.00
$ 5,001.00 AND $ 7,500.00 Regular Fee=$300.00 Early Bird Fee=$150.00
$ 7,501.00 AND $10,000.00 Regular Fee=$350.00 Early Bird Fee=$175.00
$10,001.00 AND $12,500.00 Regular Fee=$400.00 Early Bird Fee=$200.00
$12,501.00 AND $15,000.00 Regular Fee=$500.00 Early Bird Fee=$250.00
$15,001.00 AND $20,000.00 Regular Fee=$600.00 Early Bird Fee=$300.00
$20,500.00 AND $25,000.00 Regular Fee=$700.00 Early Bird Fee=$350.00
$25,500.00 AND $30,000.00 Regular Fee=$800.00 Early Bird Fee=$400.00
Anything over $30,000.00 Regular Fee=$1,000.00 Early Bird Fee=$500.00

EARLY BIRD SPECIAL: If you pay the referral fee within 15 days from the date of this email, you only need to send the Early Bird Fee. If we receive payment after 15 days then we require the regular fee.

So i know from reading the boards and such that this is a scam like everything else i mean why should i pay money out to get money? that never made sense to me. i learned that when i tried to get loan with 200cash or someone like that where they charged a processing fee that i didn't know about and they took out 15 odd dollars and i didn't get approved. but just wanted a let you all know you probably already did but i didn't know.

Jessi · Sub: #2 **personal credit services scams** Replied on 06-12-2006, 05:28 AM

Never Never Never send money to receive a loan. If it wasn't a scam, then they'd just take the fee out of the money you'd receive..I.E. if you're approved for $1,000 and the fee is $200, then you'd receive $800.

identity_crisis04 · Sub: #3 **personal credit service** Replied on 06-12-2006, 09:30 AM

ok i figured it was a scam. i've always thought that way why pay money to get loan if you paid money fo rthe loan then what was the whole purpose of getting the loan right

MARIA_BOLTON · Sub: #4 **I got suckered in to this scam** Replied on 06-12-2006, 11:57 AM

I was so desperate that I was trying anything, I sent them $125 and got declined by every lender they had on that list. And in order to bet my money back I have to submit all of my declined notices to them.

Seeing_the_Light · Sub: #5 **personal credit services scam alert** Replied on 06-12-2006, 12:15 PM

PLEASE stay away from places like this...I was out $500 for being so uninformed...thanks to DebtCC I will never make this mistake again!!

finsfan13 · Sub: #6 **personal credit services scam** Replied on 06-12-2006, 12:37 PM

No legitimate lender will charge you an up front fee! These creeps are thieves.

Anonymous · Sub: #7 **i did this** Replied on 03-16-2007, 04:59 PM

i sent them $175 and found out the same thing but did you all know if we jall contact the attorney general in new york we can stop this company we did not pay for a loan we paid to have them find us a lender who would give us a loan but it is still a scam we were turned down also please contact new york attornet general they will help

Anonymous · Sub: #8 **Personal Credit Services is A SCAM** Replied on 04-13-2007, 04:17 PM

I sent them $500. I didn't get a loan. I sent all of the information they requested to get back my 100% guarentee. They told me that wasn't suffient. They wanted me to apply to even more company which was ruining my credit even more. Then they emailed me saying "They ALWAYS win" and they don't have to return my money. So, they stole $500 from myself and my family. THEY ARE SCAMMERS! THEY SUCK AND ARE CROOKED!! DON'T TRUST THEM!!!!!

puddlejmpr

I answered something like this quite a few years back. Then after sending the $500 I found out they took my money and ran. The number was disconnected and found out they were in Canada at the time. Then I had a flag on my bank account, credit reports, because they had ALL of our personal info, ss#, addys, bank account number (they were going to direct deposit the money). I will never fall for that again.
So like Jessi said NEVER pay for a loan!!

Anonymous · Sub: #10 **Personal Services Credit** Replied on 04-17-2008, 10:56 AM

Thank you everybody and Jessi especially. I was so despaerate because I needed to help my family out, that I got really close to actually sending in the money. But instead, I decided to check it out first. It just sounded too good to be true.

Does anyone know of a another place that is legit?

Anonymous · Sub: #11 **AMERICAN PRUDENTIAL INC NY,NY** Replied on 05-07-2008, 10:39 AM

I GOT SCAMMED FROM THIS OUTFIT FOR $600.00 FROM AMERCAN PRUDENTIAL. I JUST GOT THIS EMAIL FROM PCS AND THEY STATED THEY WERE IN BUSINESS FOR TEN YEARS WITH NO CONTACT PHONE NUMBERSSO I FIGURED THEY WERE A SCAM ALSO. IS THERE ANY LEGITIMATE LOAN BUSINESS OUT THERETHAT WILL HELP SOMEONE WITH BAD CREDIT OUT THERE?

Anonymous · Sub: #12 **personal credit services.com** Replied on 09-08-2008, 12:48 AM

wow ok I was also considering using personalcreditservies.com but decided not to after reading many testimonials on the net from consumers who were frauded by this organization. Before I did this research I emailed these guys sharing my concerns about having to pay to get approved for a loan. I have not recieved any responces from them and now I'm left wondering how and why these guys are still in business? This clearly is a scam and I have no intentions in sending them even one dime. I'm glad I did not fall into this hoax by sending PCS any money upfront. I appreciate everyone who shared thier stories on sites like this cause it does help prevent many more consumers from being the victims of fraud.

Anonymous · Sub: #13 **Hell Naw** Replied on 11-19-2008, 07:40 AM

This is definently a scam, never do u have to pay an upfront fee to get a loan. I didnt send the money because my intuition said to check it out frist and im glad i did. There are some payday loan places tht will allow you tto borrow for up to 30days but there are very little places who will approve for a personal loan without a co-signer for those who have bad credit.

Anonymous · Sub: #14 **GOOD THING FOR INTUITION** Replied on 11-28-2008, 06:48 PM

So I too applied for their long term loan status and was desperate enough to give in..... but my intuition told me to research first!!!! Glad I did... because I would have put myself in a worser predicament than I am already in. Thanks so much everybody for sharing your stories.

sdchargers_63 · Sub: #15 **debt** Replied on 11-29-2008, 07:22 AM

I know we can gt so desperate, depending on 'our' situations. 'We' will try anything. At least we learn who the scam artists are and how to 'handle' them, by posting on this forum. Thanks everyone.

Anonymous · Sub: #16 **personal credit services** Replied on 12-01-2008, 09:10 PM

I applied with them, received their information, and applied with the lenders. I was approved for $ 4,000.00. I ended up getting part of my fee back because I had asked for more than that. As far as I can see, they kept their word to me.

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