Personal Credit Services - Is it a scam?
Date: Fri, 09/02/2005 - 07:38
Personal Credit Services
Thanks to all of you. I was just about to send them money to. I understand your position. I am desperate to get a loan to consolidate and do some home improvments but my credit history is not the best. Again thanks for having this forum
CREDIT SERVICES
Thank God I found this site...I was about to sent them 175.00. Thanks to everyone that wrote their experience on this site :lol:
i am so glad that i found this site i am in dire need of a loan
i am so glad that i found this site i am in dire need of a loan to save my home and was trying to borrow 300 to get debt concsolidation loan thank you for letting people about this scam
Personal Cresit Services out of NEW YORK
I used them last week they are a total rip off I lost $350.00 of my hard earned money and did not get approved for a loan, use Credit.Com thay search for free, they also said if anyone tries to charge for this service it is a rip off and your just gonna lose your money.
I hope this help anyone else from losing money.
Personal Credit Services
I have been searching online for information or anything positive about this company. So far i have not found anyone that has dealt with them. I need a $10,000 loan now and my credit is less than perfect. I dont trust this company to get the loan i need and they want $175.00 (early bird fee). So if i pay before the 2 weeks is up from when i applied i only have to pay that amount. Otherwise ist over $600. Has anyone dealt with them yet? I could really use some help here
Personal credit services
OK i got my answers. i posted this before i got to page 8 to see the recent responses. I also have a loan with Prosper. They are great! However you can only have 1 loan at a time. so i have to pay off my current loan before i get another one. If anyone wants to know about Prosper it's for real! and it works. I got my loan after it was funded in about 2 weeks.
hope I dont loose my money
I wish i had seen this site this morning!! I went ahead and sent in my information to them for the $150.00, however due to my debit card being deactivated until tomorrow, I have a bit of a repreiv. After finding this site, I faxed them twice and e-mailed them about four times-- I have told them to cancel my order and that I have notified my bank as well. My bank is the worst however, they just say to call if I show the charges pending, and then deny the charges back to the bank then... Like I am gonna know just when they would try to hit my account!
Oh well hopefully they wont try, and if they do that my bank will be swift enough and we can send it back.
LIKE LIFE ISNT STRESSFUL ENOUGH!!
personal credit services
I have looked into this loan agency, and I am concerned and leary about going along with the loan process becuz I can not get to talk to a live person just an e-mail.
Thank you so much for having this forum so people can make sure
Thank you so much for having this forum so people can make sure that is is a legit company. I am so glad that I did not send them $$$.
Is this company for real???
Can someone who has actually received a loan from
this company please let me know. Are they someone
you can trust for a loan? Is this a legite company?
The reason I ask is there is no phone # that you can actually speak to someone.
Tnak You thank you
THANK YOU SO MUCH :!: I was just about to send them $250 and thought I shouls google them first & I'm sooo glad that I did. You are all Angels :D God Bless you!
Thank You
Whoever came up w/ the saying "if it's too good to be true, ir probably isn't," wasn't lying. I almost coughed up $125 to Personal Credit Services, and would have ended up w/ nothing but a headache. Thank you to all who were willign to share their unfortunate stories to keep others fromt he same scam and devastation. Thank you to the person who started this forum. As a person who is trying to rebuild their credit, not many loan companies want to take me on, and I thought PCS would be a way to get the loan I needed. I'm thankful I did my research before I gave them anything. Thanks to everyone again!! Does anyone know of a legitimate loan company, willing to take on people with not so great credit?
Personal Credit services
I have tried to get information from these people with regard to their Chamber of Commerce Membership. I get no repsonse.
I have not been able to even talk with anyone and I'm so glad I went with my gut which says if they are taking your money, they should talk with you, or at least respond in a personal manner.
What a complete Scam!!!
I'm so glad I found this forum. I recently applied, but then had
I'm so glad I found this forum. I recently applied, but then had a horrilbe feeling in my stomach. I decided to google them and this is what I came up with. Does anyone know if I'm going to have to worry about them selling my personal information??? I'm worried this might lead to idenity theift....
Thanks
I was stupid enough to apply with these guys, but I'm lucky cuz
I was stupid enough to apply with these guys, but I'm lucky cuz I found this site, so no money sent. But my concern is that they might sell or use my personal info. I'm so worried now about idenity theift. Please let me know if there is naything I need to worry about with this company. I couldn't view any of the complaints on the BBB. So I'm hoping that people are just upset with the money aspect and not their personal info being stolden.
Thanks
personal credit services
i paid them 250.00 and have gotten only 2 responses from banks out of the 10. if i knew up front that i would be applying myself i wouldnt have paid 250.00. i think its a scam.. i havent been approved for 1 red cent gett and its been a week
they are doin things illegal
First off all I would like to add that PERSONAL CREDIT SERVICES needs to be shut down. They are LIARS, SCAMMERS and anything you can think of in the book. They said if you are denied anything from the lender they would reimburse you. GUESS WHAT they DON'T and second of all it is ILLEGAL to COLLECT ANY MONEY FROM A PERSON TO REFER LENDERS. So there for I DO NOT RECOMMEND!! Check with the BBB first and no the personal credit services is NOT A MEMBER OF THE BBB
THEY ARE LIARS
I filed a police report against them and i complaint with the credit card companie of the card that was used and i got my money plus back
FILE A COMPLAINT WITH YOU LOCAL PD
I was scammed from this company. I have contacted the BBB, filed a complaint with the credit card companie and made a police report. The police report made things even better
PCS - THANKS TO THIS FORUM...
I just want to thank you all!!! I was just about to send them money and found this! I don't have the money to send but was desperate to find a company that would approve me....now i see this....YIKES~! Thank you all and GOD BLESS...
Those who where scammed
I have read and seen to many people who have been scammed from this company. I am pleased to let you all know that I have written a letter to the CNN News and requested that they get word out to other people and not to go through Personal Credit Services. I have even given them a list of bad things about them, right along with the lies they have told people. I faith in god that we all will get our monies back and this company will be shut down so that nobody else gets hurt finacially from these people.
707?
If the company is based in New York, why do they have numbers with the area conde, 707? That is Wine country / Coastal area...
Napa, Fairfield, Vacaville, Santa Rosa, Sonoma, and coastal north to Eureka in California have that area code...
Did you get your loan? & phone numbers by roxette are bo
Did you get your loan after that tuesday? If anyone else has delt with Personal Credit Services (NY) and paid the fee...did you get your loan? if so, how long did it take?
Also, the phone numbers given by Roxette are bogus. They are in California and are not connected with PCS (NY) at all.
loan
Hey, MSCLOUD..this kind of sounds like a company, called " My Personal Loan". They ask for the same thing.." send them money to get a list of lenders that will 'work' with bad credit". If you send them the money, that STILL doesn't guarantee you will get a loan from any of the companies, on this list. This was a 'ad', on the Net, where I saw " My Personl Loan". I tried to look them up, on the Web and found NOTHING. If you can't find any info on them, I would leave them alone.
Personal Credit Services
Do NOT send them money they are a total SCAM SCAM SCAM
They will take you're money and you will get nothing in return. They say they will refund you're money but that is a total lie.
Stay away from them!!
Can someone inform me more about this so call Lenders Co.
Hi today just before discovering this site I had applied online at Personal Credit Service for a loan. I didnt give my cc# or Cking acct. #. I just recvded this email with this info. Can someone school me about this Lender Co.
Quote:
PERSONAL CREDIT SERVICES INC., 321 Dante Court (Suite #A1) Holbrook, New York 11741 Phone:(631) 930-6422 or (800) 364-9690 Fax:(631) 240-5879 or (800) 664-3390 Website: PersonalCreditServices.com Email: PersonalCreditServices(at)PersonalCreditServices.com 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. ------------------------------------------------------------------------------------------------------------------ Methods of payment: Money Order, Certified Check, Credit Card, Debit Card, Western Union Quick Collect, Online Check or Personal Check. If you are paying by mail, make sure you include proper payment, preferably by money order or certified check. Make it payable to Personal Credit Services Inc., and send it to the address at the beginning of this page. Once we receive payment, we will email your information to you immediately upon processing. We accept personal checks and online checks which take 15 days to clear, no exceptions. TO PAY BY CREDIT/DEBIT CARD OR ONLINE CHECK THROUGH OUR SECURE, ENCRYPTED ONLINE TERMINAL: Click Here If you wish to make your payment by mail please click, print out and complete the Order Form By Mail. If you wish to fax a credit/debit card payment to us, please click, print out and complete the Authorization Form. ----------------------------------------------------------------------------------------------------------------- You can also pay by Western Union quick collect. It costs around $ 13.00. Go to any Western Union office or any retailer that offers Western Union services, usually check cashing places or supermarkets, and follow these instructions: #1) Use the blue form (quick collect) which is at the western union office. #2) On the blue form, complete the following sections: a) Pay to = Personal Credit Services b) Code City = Dante c) Code State = New York or NY d) Account# = Your 6 digit Client ID# e) Email us with the amount you are asking for. VENUE and LIMITATION OF LIABILITY: Under no circumstances, including, but not limited to, negligence, shall Personal Credit Services, Inc., be liable for any special or consequential damages that result from the use of, or the inability to use, the information furnished to the customer. In no event shall Personal Credit Services, Inc., be liable to the reader for any or all damages, losses, and causes of action (whether in contract, tort (including, but not limited to, negligence)) or otherwise exceed the amount paid by the customer to Personal Credit. All sales are final. Any disputes shall be in a court of competent jurisdiction within Suffolk County in the State of New York and will be pursuant to the Laws of the State of New York. This contract does not become valid and binding until payment is received and accepted at our office in New York. GUARANTEE:Personal Credit stands 100% behind it's guarantee. You will be approved for up to the amount you request from these lenders collectively or you will receive a prorated refund after documentation of results from each lender is demonstrated to Personal Credit. No refunds after 90 days. Personal Credit is not affiliated with the lenders. If you are currently in bankruptcy or your bankruptcy has not been discharged for more than 6 months, you may not be able to apply with the lenders, therefore invalidating any refund possibility. Any attempt to get a refund other than by going through our refund process will be grounds for permanent denial of a refund. ------------------------------------------------------ WHAT DO I DO NEXT?- Figure out the amount that you need to send by analyzing the referral fee schedule at the beginning of this email. For example, if you need between $ 7,501.00 and $ 10,000.00, the regular fee that is due is $ 350.00. If you send it to us before 15 days of this email, then you only have to send the EARLY BIRD amount, or $ 175.00. TO PAY BY CREDIT/DEBIT CARD OR ONLINE CHECK THROUGH OUR SECURE, ENCRYPTED ONLINE TERMINAL: Click Here If you wish to make your payment by mail please click, print out and complete the Order Form By Mail. If you wish to fax a credit/debit card payment to us, please click, print out and complete the Authorization Form. If you send us your fee by mail and it is postmarked by the early bird date (15 days from today), you only need to send the early bird fee for the amount you are requesting. If it is after the early bird date, then we need the regular fee. Once we receive your payment, we will email the lenders' information to you immediately upon processing. Any lender that offers personal loans may be able to get money in your hands within days. The fastest payment method is by credit and/or debit card. Western union is second best. It may take longer if payment is sent by regular mail. WHAT IF I HAVE MORE QUESTIONS? If you still have questions: 1) Check out our "Frequently Asked Questions" 2) You can ask them through e-mail: PersonalCreditServices(at)PersonalCreditServices.com or by "Clicking Here". All emails are usually responded to within 1 business day. |
Please don't do this...read the other posts..people are being sc
Please don't do this...read the other posts..people are being scammed totally with this garbage...you will either get a list of lenders who will not lend to you or you will get stuck in a payday loan cycle. Stop and think people. Read on here for awhile and you will be a lot more careful where you put your personal info on line.
Personal Credit Service......Very Misleading
Listen this company is a total rip off. They do nothing for you other than collect money. You send them your information and then they send you ten loan offers, but they do not say who they are...then you have to send them money depending on the loan amount you want. As soon as you send this money to them all they do is send you ten bank names. That is it...If you have bad credit forget about it. To get your money back you have to apply to all ten companies and send PCS all the denial letters to get a full refund. Bottom line if you want to get a loan, just apply to a bank on your own. Once again, they do nothing. They do not work anything out with a lender whatsoever. Here are the bank names they sent me...bank of america, chase, wachovia, wells fargo, american general, Citi, first premier, washington mutual, household and credit one. I am going to report them to the BBB. This a total scam.
THEY ARE LIARS, SCAMMERS AND !@#$%#
goodluck reporting them to BBB. They have some gosh darn complaints and only one was resolved. I however kept emailing the guy and caught him in a bunch of lies and took him to court in NEW YORK and won. Not to mention I live her in Michigan and found a wonderful attonery to represent. We are getting back our money and plus. So for all the new people who are looking at the web page for Personal Credit Services just shut out of the page and see if you can go to your local family services place or state works building and ask if there are any programs out there that can help you save your money and still get you out of debt. To may people where hurt from this company and more yet to come and it is sad to think that.
Personal Credit Services
Has anyone actually ever gotten a loan with them???? If you have can you let me know?? I am just wanting to verify the company with people who have actually dealt with them as opposed to their testimonial page. THANKS
personalcreditservices
Well my wife was about to send off $300 to get this loan that we need so bad right now, but thanks to each and everyone of you all we will try else where, anyone have any recomendations?
Any time they ask you to send them money so they will loan- watc
Any time they ask you to send them money so they will loan- watch out!
There are other ways to solve your debt probles, such as consolidation, Do it Yourself, etc. I would try allother options before getting a loan to get out of debt-unless it is with your family, someone you can trust
Good Luck-keep us posted..Karen
TO: Ninjacadden -- Regarding: **PERSONAL CREDIT SERVICES**
So In REGARDS TO THIS MESSAGE:: ""just payed that 125 dollar fee for personnal credit services. The fee changes based on how much you want to borrow the lower you want to borrow the lower the fee. My bank shows (because I used my visa debit card) the fee has taken place but then only thing i have gotten so far is a letter saying thank you and that I should recieve an email pretty soon usually within 24 hrs. I did this sunday afternoon"
SO WHAT HAPPENED AFTER YOU SENT IN YOUR FEE? DID YOU GET AN EMAIL, DID YOU GET APPROVED FOR A LOAN?
loan
Becareful.sounds like a scam. Sounds, a bit, like Prosper.com. They "take a fee depending on howmuch you want to TRY to barrow'. Prosper.com takes the fee right away. However.....you're not GUARANTEED a loan from them.
Personal Credit Services, Inc.
I too am glad I found this site. I am trying to help my fiance get his credit rebuilt and was about to suggest Personal Credit Services. After reading all your posts I definitely won't be suggesting that company. Does anyone know of a legitimate place I can refer him to? I have great credit but due to his ex-wife putting him in debt when they were together, he had to file for bankrupcy a little more than a year ago. Now nobody will even talk to him about giving him credit.
Personal Credit Services
I and a friend sent in $125.00 for a list of loan companies and we have not heard anything from them. So I emailed them back and requested a refund of the full amount. I feel very stupid and upset about the whole ordeal.
Its a scam
Any time you have to put money up front to get a loan trust me it's a scam have you ever heard a adress 321 suite #A1 think about it count down from 3 and make yourself #1 suite #A1 don't trust this co. PERIOD
Personal Credit Services
Hi ninjacadden:
First off...you stated: they can provide you with a list of companies that will gurantee you approval of the loan that you apply for. How are they able to guarantee a loan? Are they the ones that decide? I paid 69.00 to a service like this called badcreditloansus.com, they provided a list of lenders alright, out of 6 4 denied our loans, 3 required credit scores above 580, 1 was a mid term length loan company like a quick cash loan, and the other was only a site that referred your information to lenders. Now, they want very specific action to get a refund. I received Personal Credit's preliminary lender list too...but not too sure I want to get burned again. I need to examine their site to see if they make statements like, you might not get a loan if your credit score is thus and so, or if you are a home owner. Again, it bothers me that they said "they" guarantee a lender will do your loan. No one but the loan company can do that. I sure hope it works for you. I would love to see a post from you...stating You Got Your Loan! To actually see a legitimate company honor what they say would be a novelty. Good luck!
I am also curious about personal credit services, I had emailed
I am also curious about personal credit services, I had emailed them for info on how much is the fee to apply. I found the answer when I read all of your replies.
Again, beware of any company wanting money to tell you if you ge
Again, beware of any company wanting money to tell you if you get a loan,or guarantee you get a loan.
There are some other alternatives you may consider. When we needed a loan, before I found this site, I was turned down by everyone. We,hubby and I, got second jobs, and began to pay off our smaller debts first,then adding that payment to the next, etc. You can also sign up for membership, it's free, and they can give you some options for your debt, if you also sign for the free crdit counseling. There are other ways they have for dealiing with debt, such as debt consolidation, debt settlement, Do it Yourself, etc..Good Luck--keep us posted..karen :D
loans
There is a loan company, based out of UK. They say the same thing..."they guarantee a loan for so-much of a fee". But......their fee is about TWICE as much, as other 'bad credit loans' are asking for, who are in the US. I don't remember the name of the company, in UK, but, just keep an eye out. I'm finding out, the 'smaller' debts, are probably the first ones to deal with.
Simpathize
Hi,
I was one of the many people to fall for the trap of this company. When I emailed them explaining to them that this wasn't right they just said all sales are final and then sent me the customer agreement twice. They are very nasty people. Has anyone considered a class action suite against this company?