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Personal Credit Services - Do they scam consumers?

Date: Sun, 06/11/2006 - 21:03
Submitted by identity_crisis04 on Sun, 06/11/2006 - 21:03
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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.


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.


Submitted by Jessi on Mon, 06/12/2006 - 05:28

Jessi

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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.


Submitted by MARIA_BOLTON on Mon, 06/12/2006 - 11:57

MARIA_BOLTON

( Posts: 15 | Credits: )


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


Submitted by on Fri, 03/16/2007 - 16:59

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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!!!!!


Submitted by on Fri, 04/13/2007 - 16:17

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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!!


Submitted by puddlejmpr on Fri, 04/13/2007 - 20:08

puddlejmpr

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[color=Red][/color][size=3][/size][font=Times New Roman][/font]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? :( :wink:


Submitted by on Thu, 04/17/2008 - 10:56

( Posts: 202330 | Credits: )


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?


Submitted by on Wed, 05/07/2008 - 10:39

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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.


Submitted by on Mon, 09/08/2008 - 00:48

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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.


Submitted by on Wed, 11/19/2008 - 07:40

( Posts: 202330 | Credits: )


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.


Submitted by on Fri, 11/28/2008 - 18:48

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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.


Submitted by sdchargers_63 on Sat, 11/29/2008 - 07:22

sdchargers_63

( Posts: 1798 | Credits: )


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.


Submitted by on Mon, 12/01/2008 - 21:10

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I've read on this thread ( and other places on this forum..) about PCS giving back refunds, NOT giving ANYTHING back, etc. I wonder how they decide who they will 'refund' and who they don't? They sent me the same info..."send us money and you are guaranteed a loan." No thank you. I never sent a dime. Any 'business' that askes for money...be ware!


Submitted by sdchargers_63 on Tue, 12/02/2008 - 21:09

sdchargers_63

( Posts: 1798 | Credits: )


Has nauone got a loan form these loan companies. I am indespearte need. If you have, can you give me the info to which company is legit and can do the loan. I have got emails from Transfield Finance and Stevenson Prat Loans but I am not sure if these are legit companies and should I give them all my personal info...

[email]shanamallam@netscape.net[/email]


Submitted by on Mon, 12/29/2008 - 13:34

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wew! i am glad i found this site i had my money in my hand now i can put it back in my pocket.


Submitted by on Thu, 01/22/2009 - 00:19

( Posts: 202330 | Credits: )


Thanks! You just saved me $175.00 I knew this company was not legitimate when I inquired as to why they are not registered wtih BBB and they said it is by invitation only and they had not been invited! Well, that's a crock! Thanks Again!


Submitted by on Thu, 02/26/2009 - 05:02

( Posts: 202330 | Credits: )


I was so ready to pay $500.00 if I was allowed to get up to 20 thousand just like that, haha...what a fool for thinking something like that could be so true. Thanks everyone for sharing your story, it's nice to be able to talk to other people who have money issues like myself. I am still looking for legit places to get money if anyone knows of any. Thanks again!


Submitted by on Fri, 02/27/2009 - 12:20

( Posts: 202330 | Credits: )


I am glad I came to this site to do some researsh on personal credit services .com That's why when on the internet you have to be careful when searching for imporatant info so you won't run into this scammers on here! Thanks to you all! I will be better off taking a loan out with my 401K.


Submitted by on Fri, 02/27/2009 - 16:06

( Posts: 202330 | Credits: )


Anyone who got scammed by these criminals should call this phone number. I can't believe it, I complained so much that they actually sent me letterhead. I think someone made a mistake because the type is not consistent with the letterhead. (631) 930-6422


Submitted by on Wed, 04/22/2009 - 17:29

( Posts: 202330 | Credits: )


Thank you so much for doing this, I almost myself fell victim of the scam, and i was lucky enough to research because like most ofyou it did not sound right.. Your asking for money but then they want you to pay for them... who knows? SOO happy I decided to check it out first


Submitted by on Tue, 06/23/2009 - 05:40

( Posts: 202330 | Credits: )


you must work for this company or the paid you to say this,highly unlikely


Submitted by on Sun, 07/12/2009 - 14:08

( Posts: 202330 | Credits: )


Castlefield Lending is also a fraud. Thy guaranteed a $10,000 loan for me for an upfront fee of $1200. I decided to check them out on the Better Business Bureau site. Thank God I did not fax the money-the BBB gave Castlefield Lending the following rating "F." How its workers sleep at night is a mystery to me-I guess some people are born without a conscience/heart. Just a tip-advance fee loans are illegal in the US and Canada. To check out a lender/business go to BBB.org


Submitted by on Sun, 09/06/2009 - 10:54

( Posts: 202330 | Credits: )


I noticed out of all the complaints on this company, there is one who actually stood up and said they gave them the loan. Does anybody know of a company that is not a fraud? I am trying to pay off all my debt but there does not seem to be anybody who can help with bad credit without charging an outragious amount of money. As far as the comments left in regards to an email they had sent them saying they always win, you can take them to court and present that letter to the judge. That would show their true colors. My cousin is a lawyer and mentioned that case would be a no brainer for the judge. Thank you all for your input on this company, I was about to pay the money.


Submitted by on Tue, 09/15/2009 - 13:11

( Posts: 202330 | Credits: )


They are a SCAM I paid them 200 and received only 1 LENDER who approved me for a credit card................I had a applied for 15000 but ONLY got a 300 credit card. I have been trying to get my refund for about 3 months now and have been unsuccessful !!!!!!!!! RUN ...............RUN.............RUN................as fast as you can away from these SCAM ARTIST !!!!!!!!!


Submitted by on Sun, 09/27/2009 - 19:52

( Posts: 202330 | Credits: )


Yes Personal Credit Services is a Scam they will ask you for information and fill out application and then there is a fee upfront before the so called loan and then there is no phone number to contact them I emailed them back and said they were a scam and for the person on here saying they were approve for 4,000 thats bull its one on them acting like they were approved SCAM BEWARE


Submitted by on Mon, 11/16/2009 - 15:02

( Posts: 202330 | Credits: )


i did the obvious and sent in $200 for the early bird thinking i could get myself out of a jam which proved to be more trouble than its worth. i knew it was too good to be true, but desperate times call for desperate measures. i did what was instructed and was in the hole $200. pcs didn't call back, just emails. so i wrote 5 times and emailed more than a dozen times and contacted a lawyer and posted on my email. even contacted the bbb but pcs never responded nor replied! fortunately, with my pot mouth and nasty emails, these jerks sent a check for $200 after about 8 months or so. i will never do this again. there are way too many dirty people out there! but i'm a true believer in what goes around, comes around!


Submitted by on Wed, 11/25/2009 - 11:44

( Posts: 202330 | Credits: )


Quote:

Originally Posted by ARUN JOY
Listen to me. It's still happening. Scam artists are bilking troops and their families out of hundreds, even thousands, of dollars with illegal loans. The sad thing is, it's difficult to catch these crooks -- many of whom are hiding under a rock someplace in Canada.

One thing you should never do: send money to get a loan. It is illegal for a company to request it, and it's a definite tip-off to a potential scam.

The Better Business Bureau of Chicago has been trying to help a soldier who lost nearly $4,000 in September. He was lured by the offer of a $14,000 loan, supposedly at 8.5 percent interest. He was approved, on the condition that he send 15 percent of the amount as a "collateral payment." He wired $2,278 to an account in Canada.

The loan money, which was supposed to be wired to the soldier's account, never appeared. A couple of phone calls later, a "customer service representative" told him he needed to send an "insurance payment."

He sent $837.

Still no loan money.

So beware



Copied from http://www.armytimes.com/money/financial_advice/ONLINE.SGTSHOPPER.LOAN/


Submitted by DebtCruncher on Wed, 11/25/2009 - 15:17

DebtCruncher

( Posts: 2293 | Credits: )


Quote:

Originally Posted by Anonymous
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.


So are you saying that this is legit because you received your monies? would you suggest others to apply?, or maybe they have a limit of loans that are given out per month? please elaborate on this more.
thanks!


Submitted by on Fri, 11/27/2009 - 12:58

( Posts: 202330 | Credits: )


Thats a payday loan. I about he should go belly up a rise pro a personal advance instead?


Submitted by on Fri, 01/08/2010 - 12:29

( Posts: 202330 | Credits: )


Thank you for posting your veiw , i almost made this mistakeQuote:

Originally Posted by sdchargers_63
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.


Submitted by on Thu, 03/04/2010 - 07:05

( Posts: 202330 | Credits: )


:rolleyes: I am glad I did my research first because they almost had me and I also looked them up on the BBB and the had so many complaints that were not resolved. That is bad bussiness. Thanks Yall


Submitted by on Fri, 03/26/2010 - 05:43

( Posts: 202330 | Credits: )


Quote:

Originally Posted by paulmergel
yes.shills are everywhere.especially threads like this.i'm actually suprised there aren't more than one.

Heck any thread forum, where a company is being shown in a rather negative light will send out an army of shills, notice that 99% of the applications were basically screwovers, yet one was successful? i call BS on that one. heck even that shill did a poor job. no proof lol. scam radar goin liek crazy Eh?


Submitted by on Tue, 04/20/2010 - 04:51

( Posts: 202330 | Credits: )


Yeah I was desperate I received an e-mail regarding on my loan application and was told I was approved for $6,000 but they need 10% down as security deposit just in case I lost my job and cant pay and I will get it back as soon as I can make my 3 monthly payments on time. I was promise that my funds will be available at the end of business day but that never happened and now when I call them either the person is not available or someone else answer the phone and tell me that I need to send more money in order to get my funds. Now I am more in debt because I borrowed 600 dollars to give to somebody else!!! BTW the name of company is personal loan lenders in Ontario Canada


Submitted by on Fri, 05/07/2010 - 09:09

( Posts: 202330 | Credits: )


[COLOR=#000000][COLOR=#666666]Dear Valued Client‚[/COLOR] [COLOR=#666666] The application that you have submitted have been approved. We have carefully reviewed your application and its its with great pleasure to once again inform you that your loan has been approved.[/COLOR]
[COLOR=#666666][FONT=trebuchet ms] I would like to hear from you in order to proceed with the rest of the details of the loan approval. You have been approved based on your income and not your credit. You are approved for the amount of$ 8,000at5.5%. Monthly payments of $180.83 for the duration of4years(48 months) interest paid back will be$961.22with a total payback of $8,961.22. [/FONT][/COLOR]
[COLOR=#666666]Sincerely‚
Emma Walch, personal loan consultant[/COLOR]
[COLOR=#666666][FONT=trebuchet ms] (877)-473-3152 ext 216
fax ([COLOR=#000000]514) 786-3970[/COLOR][/FONT][/COLOR]

[COLOR=#666666][FONT=trebuchet ms][COLOR=#000000][FONT=arial][/FONT][/COLOR][/FONT][/COLOR]

[COLOR=#666666][FONT=trebuchet ms][COLOR=#000000][FONT=arial][/FONT][/COLOR][/FONT][/COLOR]
[COLOR=#666666][FONT=trebuchet ms][COLOR=#000000]This is BS
[/COLOR][/FONT][/COLOR]
[/COLOR]


Submitted by on Fri, 05/07/2010 - 09:14

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thanks everyone, i agree why pay money to get money. If anyone is looking for a loan, go the right way, never pay to get!!!!


Submitted by on Mon, 07/19/2010 - 05:27

( Posts: 202330 | Credits: )


so giving them all my personal information and ss# what do they do with it? what should i do?i feel so stupid. i always see those dateline shows and say that could never be me. well today it was me thank God i didnt send them any money


Submitted by on Mon, 07/19/2010 - 15:54

( Posts: 202330 | Credits: )


[QUOTE]so giving them all my personal information and ss# what do they do with it? what should i do?i feel so stupid. i always see those dateline shows and say that could never be me. well today it was me thank God i didnt send them any money [/QUOTE]

Monitor your credit reports and keep and eye on your bank accounts for suspicious activity. Another alternative is to put a freeze on your credit reports.


Submitted by Cool_Abyss on Wed, 07/21/2010 - 09:30

Cool_Abyss

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