I was thinking about this and very nearly did it! After checking these reports, I went to BBB and found this today.
personal credit services, inc.
321 Dante Court
Holbrook, NY 11741
View Location Map
Principal: Rick Dennison,
Phone Number: (631) 930-6422
Additional Phone Numbers:
(516) 238-6199
Fax Number: (631) 240-5879
Website: www.personalcreditservices.com
Type of Business: Advance Fee Brokers
Membership Status: This company is not a member.
The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.
Out of Business Information
This business is no longer in operation for the following reason:
Mail Returned by Post Office - Left no Address
Nature of Business
In February mail sent to this company was returned by the post office. According to information received by the BBB, this firm targets consumers with poor credit histories, promising them guaranteed loans in exchange for a fee. Consumers are instructed to send money; consumers note that subsequent to forwarding the required monies they do not receive the promised loan. *Consumers should note that advance fee loans are illegal in the United States and Canada. Consumers are advised not to give personal information to random firms offering loans, grants, credit cards or unsolicited services over the phone.in New York State a loan broker may charge a fee of no more than 1/2 of 1% of the value of the loan.*
Customer Experience
Based on BBB files, this business has an unsatisfactory record with the Bureau, because there is a pattern of complaints, and the business has not corrected the underlying reason for the complaints.
The company's size, volume of business, and number of transactions may have a bearing on the number of complaints received by the BBB. The number of complaints filed against a company may not be as important as the type of complaints, and how the company handled them. The BBB generally does not pass judgment on the validity of complaints filed.
Complaint Outcome Statistics:
Complaint Outcome Last 12 Months Last 12.. 36 Months Total
No Response
The Company has failed to respond to complaints 46 18 64
TOTAL 46 18 64
Complaint Issues:
Please understand that complaints may concern more than one issue
Complaint Issue Last 12 Months Last 12.. 36 Months Total
Advertising Issues 6 4 10
Contract Disputes 0 1 1
Credit or Billing Disputes 3 0 3
Delivery Issues 3 0 3
Guarantee or Warranty Issues 8 2 10
Product Quality 5 0 5
Refund Practices 8 3 11
Selling Practices 4 1 5
Service Issues 9 7 16
TOTAL 46 18 64
Report as of: 4/30
Now, I called their 800 number, of course no answer. But, when you read their site, under their FAQ, they state:
Can I speak with someone personally?
Unfortunately we do not offer phone support at this time. However, we are available to answer any of your questions by email. You may Contact Us 7 days a week. We normally respond within 1 business day.
THIS should be EVERYONES very FIRST clue. If you can NOT speak with a live person, then there is something fishy.
Thank you everyone who has reported on this. And my deepest regrets for those who were taken. I only hope that more people find this information before making the rash decision to go through with it... Like I almost did. Good luck to all in getting this resolved, and for those thinking about it. FORGET IT!
Cheryl
Edinburg, Virginia
U.S.A.
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