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Personal Credit Services - Do they scam consumers?

Submitted by identity_crisis04 on Sun, 06/11/2006 - 21:03
Posts: 212
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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.