I know thats just a front because after recieving all the papaer work everything looked fine then she told me to send the money by western union and I did stupid. I should have known better but after I did not recieve the money I got a call saying I was red flagged and I needed to send more money. After calling back they had chaged there number that fast dont fall for this please not like I did.

I am a god fearing person and I know this will be stopped soon.

They said that I was approved for a $5000 loan but needed to make a down payment of $877 which is the first 5 months of payments to start paying off your loan. They faxed over a 5 page contract which looked like a legit contract. After the down payment was made of $877, which can only be paid through Green Dot Money Pak the funds will be released into your count within 24 hours.

Then I got a call the next morning saying that the IT department is working on the phones so that this is temporary number. Then they said that the funds are on hold because the lender enforces that I purchase the $1000 insurance policy because of “poor” credit. After the $1000 is paid once again ONLY through Green Dot Money the funds will be released within 3-5 hours. After the 5th hour no funds have been released and the Green Dot Money pak’s have both been cashed out.

NEWBROOK LOAN BROKERS IS A SCAM. DO NOT FALL FOR IT PLEASE.
Names: Shaw Burk or Michael McMillan
Numbers: 18773445712 and 18773445710

Like most of you I had thought I had done my research about online predators and scams. I received an email from a James carter and was told to call him. When I called I asked him some pretty simple questions and he answered them all. He then forwarded me loan documents that looked pretty legit. So I faxed all my information to them once they had the info he told me that the lender needed collateral since they had tried to ask Canadian banks for a loan for me and was denied, since I was still paying for my vehicle I had no real assets.

He told me that I would have to send 500 insurance to the lender to secure my loan. Now I was asking him many questions about this security and thought I was smart enough to make a wise decision. He promised me that I would not have to send a penny more. So like an idiot I sent 500 via western union to a Michelle Jamison in Hamilton Ontario. All the while i was making the decision to send the money I had a bad feeling about it but again like many of you I’m in need of this loan to help set myself straight with many bills so I sent it anyway in good faith.

Money promised by 4pm no cash then promised by 6pm cause I called him back no cash. Then I called him back and he referred me to a jack who was the in the finance dept. Jack and he asked me to call back within 10 min I did so and he said oh yeah the lender didn’t deposit the money cause you need to deposit another 375 in admin fees. I then got very upset and said James said 500 was all I had to send. So I told him that i would have to try and borrow the money cause I didn’t have 500 to send let alone 375 more. So he asked if I could send it that night at 8pm I said no I’m going to have to try and find 375 like I told you I didn’t have the 500. I asked if the lender could withhold 375 of the 5000 I was promised.

Thank goodness I found this site as I was trying to Google Advancecredit Capital and guess what nothing pops up. I should have done this before I lost 500 but happy I did before I sent 375 more like I was going to. I called jack back and asked for refund he said he would get the paperwork in order. Lol I have already kissed my money goodbye he said it would take approximately 10 business days to refund it in a check I said western union it that’s how I sent it in the first place.

So the moral is people with bad credit like me who are desperate like me if a lender asks for any kind of collateral or money upfront it is a scam please don’t get lost in the thought of having money from a approved loan in your acct cause its not going to happen. I learned a 500 dollar lesson and it cost me enough that i can share this lesson with anyone who cares to read this.

Karma is a bitch so James and jack AT Advancecredit Capital you guys are in for it one day. Enjoy my hard earned blood sweat and tears, many hours of logged overtime money, cause its the only money you will get for me. If I ever do get a refund i will repost it.

I received a call from a guy named Will O’conner saying that I was approved for $7500. But because my credit was bad they asked me to secure the loan by sending them $825. I said I could not afford that right now. They said ok dropped it to $400 then send to remaining money when I receive the loan. Said couldn’t do it till I got payed. They asked me to send $295 then the rest after I receive the loan. I did sent it to a shawn wise in Ajax Ontario Canada. I was just out of the western union when Will called and told me they went through my loan again and I had to send another $295 and the loan will be released.

They didn’t release it got a call on the saturday morning saying that they want another 590 before releasing the loan. I asked them for a refund and they said that in would take them a month to get my money back to me. Now dealing with another company called Secured Loans R Us, and they asked for $500 upfront to secure a 5000 dollar loan.

Should I trust any company anymore?

I spoke to two different people, the first was named Laurie Haughton. She is the one that sent me all the “Loan” documents and told me where to send my collateral of $750 and that my Western Union fee would be reimbursed. After you send the Western Union out, your money is deposited into your account within 6-8 hours and the Western Union fee will be reimbursed to you. My bank only posts direct deposits at night, so I didn’t find out until yesterday morning that the money was not deposited.

You have to understand, my gut told me this is a scam, but I am desperate. I’m an independent contractor and this month has slowed down so drastically that I don’t have money to pay my bills so I was trying to pay off some bills so that my monthly debt is not so high. So anyway, I knew that this was a scam, but I sent the money anyway. I checked out the website, but I never looked at this one. I really wish I did, because I never would’ve done these stupid things.

Well, the money wasn’t deposited and I was on the phone yesterday morning screaming. I got a phone call later on in the day by Vanessa Lane, the accounts receivable manager and Laurie’s supervisor, apologizing for this and saying that the lender had gotten nervous about some recent activity on my credit and that the lender required another $600 for an insurance premium. Again, I knew that this was bad, but like I said, I was desperate, so I sent it Western Union. They even called me back with a transaction number after the direct deposit was sent. Well, long story short, if that’s possible, I am now out a total of $1456 and I’m short $2036 for my bills for the month of February. That’s the first one.

The second one that called me is Grandmont Solutions. I don’t know anything about them other than someone named John Cumino called me and told me that I was approved for a $10,000 loan at 5% interest, the payments are $231 a month for 4 months. Them, I had to give $922 to, but I didn’t do it because I figured i would see if the first one was real. The first one, Aventura, started out to be a lower out-of-pocket expense. Grandmont’s phone number is 800-579-1150.

I really, really hope this helps someone.

Lincoln Standard Lending Bureau
554 5th Street NEW YORK NY 10175
Tel.: +19175031716
Email. lslb@ymail.com
website: lslendingb.com.

I got a call from an Erin Bailey, her number is 876-853-7611 she told me I was approved for $5000 at a 10% rate then she put me on hold & got back on the phone & said I was approved at a 9% rate, with monthly payments of $228.40 for 36 months. She would send me the documents via e-mail in 15 minutes then I could go over them & call the 1st number listed above.

She said they were the Lincoln Standard Lending Bureau located in New York. After about 40 mins. I gave her a call back on the second number, which is what she called me from, & she said “hello” not referencing a business or anything. I told her that I did not get the documents & she said she would check into it & I would need to call back the 917 number. Well I got the documents & in the terms was where it said I was to make a collateral payment of 2 months payments.

So that’s why I am writing this. When I call them back, I will let all know just what they say!

SECURED LOANS R US
521 Fifth Avenue, Manhattan NY with call centre in Jamaica
Unit 25 Winchester Business Center
15 Hope Road
 Kingston 10, Jamaica W.I.
Toll free:  1-914-272.7808

They tell you that your loan will in your bank within 1 hour then they ask you to go and get ukash vouchers to pay tax on the loan ect. Then they phone you back or get you to phone them when you have the voucher and ask for the long number at the bottom/ and tell you that this value will be added to your loan. They will post the aggreement papers by post and you put the vouchers in with aggreement papers your money will then be in your bank; by this time they have just used your vouchers and you get nothing.

Then they do not answer the phone after that must block out your number UK Finance LTD cons phoned me this number 02081447350. Please dont get scamed like I did. I have now reported them they dont give address out or does anyone have anymore info on them if let me know on 07707165067.

So Anyways I sent him a return email and asked him how I could find his site as nothing popped up, asked him why he had an yahoo email address advancecapitalcredit@yahoo.Com. Duh anyone could do that. The $500 down was to go towards insurance coverage in case something happened. The insurance carrier listed was conseco so I called them and they told me they were in no way connected.

On January 20, 2012 I received a phone call from I spoke to a Wendy Clarke, she said I was approved for a $7,000.00 loan. I had applied numerous times online for a bad credit loans for this much, but not to this company. In turn, I received an email with all the loan documents. I read all this over and called her back. I was told I need an insurance policy up front for $508.00 in order to get this loan, and to send it by a money pak from Walmart, plus all my personal information.

I was desperate. But kept asking her if this was a scam. I said cross your heart! She said they have been in business for 13 years. The contract read that I would get 75% of my deposit back after 3 Months of payments and the other 25% after the end of the loan. I then proceeded to look up the company in the yellow pages in Clearwater, Florida, they were located at this address but they also were not listed with the better business bureau or the Department of financial regulation in Florida.

The gentleman at that office said, any unsecured loans in Florida do not have to be regulated. So there is the big problem!! I then looked up this website and read all your comments, and I thank you for saving me $508.00 which I could not really afford because I am on disability.

I agree these scammers should be stopped, but how?

I’m so freaking mad I needed this loan so I applied online. Few days later get a call from aAero Head Loan Brokers. The name sounded so cool but anyway my rep was a chick named Grace Meadows.

Well application went through for five grand I started doing research on this place I went to better business bureau. Didn’t show up the legal binding contract she sent through email looking professional I went through with it. I called her talked about how it works and stuff she said you had to drop 837 bucks for security deposit. I’ve never heard such a thing so I called my bank agency she told me the same thing.

I got iffy but still was desperate so I gathered that 837 from wherever I could get my hands on then the day came where I had to make the decision fax her all my personal info. So what happen was she said I was ready to go until it hit me the last email sent to me was directions in bold letters it said go to Walmart make sure to bring cash and go to aile with a prepaid card name moneypak. It cost 4 dollars we will reimburse you. Next go to cashier and deposit cash n keep recipe after you’re finish contact me with the cards pin n wen we received.

The payment we will send u a confirmation through your email n proceed with send u the loan. No I’m not stupid when I called her n said I’m backing out she threatens me with a 250 dollar service fee if I don’t pay she will take legal action bitch I’m not scared plus I didn’t even get the loan yet.

I told that I believe it’s a scam but her stank ass self believes its legit hahal Legit my ass well for u guys who are reading this before u do sum or in the middle of this don’t believe Aero Head Loan Brokers.

They first contacted me on my Cell Phone and left me a message. The worst thing I ever did was listen to the voice mail telling me that I had been approved for a 40,000.00 personal loan. I had been putting requests in on a bunch of websites requesting a loan so I wasn’t surprised when they contacted me.

After all was said and done they took me for 4000.00. Said I would have to pay in advance 6 months of payments and loan insurance. I paid them with MoneyPak cards. I’ve contacted MoneyPak and reported this.

Windham LC

Well once we sent the money they then called us back and aid we would need to send $97.00 to pay the taxes on the loan being sent. So me and my husband sent the $97.00 that we borrowed from a friend. The proceeded to tell us that we were supposet to send $99.00. I got on the phone and and started screaming hysterically at the “Edward Lee”.

I told him that was all the money we had and our daughter’s 2nd birthdays was the next day. I also screamed that I’m 6 months pregnant and began crying. He said ma’am don’t cry I have a family too and I said don’t tell me not to cry you’re not in my situation! You put me in this situation! Then he told me he could refund our money into our checking account and I said you want to take the last $15 we have to our names? Go to hell!

Then my husband got back on the phone and his exact words to my husband were “You’ve been scammed. Don’t ever send money to people you don’t know and don’t ever call my number again.” And hung up.

I really hope that this never happens to anyone. I don’t see how people sleep at night doing this to good people and their families. It makes it hard to trust a real lender. The saying is true that bad things happen to good people.

He then told me I had to send a security deposit of $850 which I would get back in six months if I didn’t miss any payments. They even told me the loan was insured if I got sick or laid off. They wanted me to send the money by western union to a George Valentine in Toronto Canada. And to call them back with the confirmation code and they would transfer the loan within four hours.

Don’t fall for it! I didn’t do it, something told me not to do it.
The websites are Meliansolutionsinc.com TheLendingPlaza.com
Their office is supposedly at 26 Court St. Suite 1702, Brooklyn NY 11242

I had applied for a loan from a totally different company. I recieved a call from a company called One Loan Source. They said that I was approved for 5000 dollars. But first I had to send them 500 dollars and my first payment would be march. I said thaks but not interested.

One Loan Source is a BIG SCAM.

Website: CustomCreditServices.com
Email: Help@CustomCreditServices.com
Phone: Phone:(631) 930-6422

another one is Anthony Kasza, supposedly from Greece. Beware of the Nigerian scammers and others stealing money from the poor for their own purpose.

Prof Mark Lewis
email: HCCINTL@live.com
also known as Martin Curtis

email: Mrs.sophia Johnson [sophia_loanlender@rocketmail.com]

She’s a big scam!! Scammed me out of a lot of money and at the end she decided to ‘cancel my loan’.

WELCOME
TO
SOPHIA JOHNSON FINANCIAL LOAN FIRM COMPANY LTD
Convenient………. ……
Accessible……………….. .
Reliable………………..
Motto: have faith in God………….

And they all uses God’s name in their emails….yeah right!! Let us believe they are God trustworthy people!!

SCAM CITY please stay away from Easy Finance.

I’m lucky this site exist. I received a mail from Wellington Liberty Investments telling me that a loan I requested was approved. I contact Mr. Moore at 1 -877-521-5533 Ext# 212 where my loan was approved for 7000. But since my credit is not good they asked for 580.00 and they really sound professional on the phone.

With all the terms they tell you, it is so easy to fall into it. I really hope that one day someone will do something against all the scammers. This time I did not fall into, but carefull too about Darwin incorporation. They changed their name, but if they ask for money, run it is a scam also.

The person in contact there it is M Cooper phone number 1-866-6812822 ext 2. I wish I knew about this website then because they got me. I just wish that someone could do something to stop them taking advantage of the people.

I have lost money but if i can get some one to do dark arts on him he will be bloody sorry. He took money from me a single mom with a smart mouth. I will recover but i am not sure he would.

He even got Citibank in London involved – please be careful.

These scams are typically very organized and have several people working for their “company.” Please do not tell yourself it will not happen to you because it can and I have helped over 20 victims so far achieve justice.

Lastly, it typically takes only 30 minutes or less to have your money picked up at the other end once you send it. If you figure out you have been scammed call western union or moneygram quickly and if the criminal has not yet picked up your money you can get it back. However, if they have allready picked it up not even the F.B.I. or the Royal Canadian Mounted Police can help you.

I hope this helps someone! Be careful out there.

Sean Simpson / Harvey Greenburg
Senior Loans Broker
New Client Account Services
One Bryant Park, New York, NY 10036
T: 1-800-721-6270 ext 512 ext 219
F: 1-646-395-1449
innovativelenders.com

I was also informed that because they were going to make the payment within 24 hrs I had to send the money directly to a private lender name EDDIE MERRITT, of course the next morning A Man Name DAVID MERCER call to say the Insurance could not secure this loan and they needed more money !!!!.That’s when I went competely Off !!!! After making repeated phone calls they admitted they were scammers so please beware of..

INTERGRATED LENDING SOLUTIONS 1 Bryant Park NEW YORK NEW YORK 100036
1-866-566-2120 ext 109 or 327
RICHARD BALDWIN, DAVID MERCER, OR EDDIE MERRITT
DO NOT SEND THEM A DIME THEY ARE SCAMMERS.

I then ask for my orignal 566 dollars back and was sent 6 worthless emails telling me it was on its way back by mail. Well guess what it never got here. The phone number does not work or her email. So be very careful because I am sure they will start up again.

Best Regards,
ADMIN – BCLC

At the time I was absolutely elated, thinking alot of my financial worries were going to be solved. There were a few minor red flags in the beginning, but when he sent me the loan agreement, I basically blew them off, thinking it looked official. It even had the correct loan percentage rates, payment due dates, etc. The next day after sending back the loan agreement, he then told me I had to Western Union the money to a “Aleita Luana”, the private lender who “lived” in Barcelona, Spain.

At that point, I became very skeptical. I was in the middle of finishing the Western Union form when something told me to stop…but knowing I needed the money, I continued and proceeded to send the money. It wasn’t even my money I sent…a dear friend of mine helped me with the $700 that was sent through WU. The transaction was complete when I called him back and said the money was sent. I then returned home to see if the money was picked up, and no longer than 20 minutes passed and the $700 was history.

About two days later, another man called and told me that my credit was reasessed and I needed to send another 6 months payments to secure my loan. I basically told him to get lost and informed him of the scam I knew they were pulling when he offered me two options. Option number one was to send the extra $700, or option two was have the money refunded. I said option two, and that I wanted the money to be sent back in a check. He also said that they were going to add an extra $200 for the inconvienence they caused me and my family.

I asked when I would receive the check…he said since their billing cycle I would not get a check until December 6th. So, if I do get a “check” in the mail, I am going to go to my bank to see if it is legit. If it is not, I am going to go to the authorities. I am not going to go to jail over $900. Beware of these scams, at ALL COSTS! Being broke is better than sending money to some jerk in a foreign country that you will never see again!

CERIDIAN COMMERCE
2727 ULMERTON ROAD
CLEARWATER, FL 33762

PH: 1-877-887-2460 Ext 615
FAX: 1-727-489-1227

JAMES WHITE WAS THE CONTACT PERSON

I am from Baltimore, MD and I received a call from a Jason Walker at Pinehurst Financial Services. Mr. Walker informed me that I had been approved for a $20k personal loan and that all I had to do was send a 3 month down payment totaling $1200.00. I told him to send me the information in writing and that I would check out the company before I proceeded. Mr. Walker told me that it would be fine and he sent the information to my email address.

After a lot of research, I could not find any viable information on this company and the BBB had no listing of them at all. Much like others who have posted their comments. I too found that the website was completely changed this morning and when I tried to call the number 866-729-2823 ext. 616; I got a recording telling me that the number was disconnected.

I am glad that I trusted my instincts but what if I didn’t?

Please be careful people.
Pinehurst Financial Services
Jason Walker

After applying online for a personal loan, I recieved a phone call last month from Mike Bell, stating he was from Maskel Solutions and I was approved for $5,000.00 but I had to western union $500.00 for the first 2 months payment. They faxed me doucments which seemed to legit….Stupid and deperate, I sent the them the money and yes I was scammed. Their phone number has been disconnected.

Today, I received a phone from Trishia Bolding, Boston Standard Lending. She offered me the same thing Maskel Soultions did. I told her she was a scam and she agrued with me that she was legit and then she hung up on me. I hope my story helps somebody else not to get scammed!

Maskel Finacial Solutions & Boston Standard Lending Bureau are scammers. They need to be stopped and procuested!

Have been scammed already, stil trying to recover.

Zany
South Africa

I was also scammed by Cornerstone State Financial. They said I was approved for $5000.00 but the Lender needed a Insurance payment of $668.50 so like an idiot I fell for it. I went to Western Union and sent the money. The next day the loan was suppose to be in my acct but it was not.

So I called Nathan Grey and he said he will get with his supervisor and see whats wrong. About an 1hr goes by and I get a call from Raymond Harris and he said that the lender looked at my app again and that they needed an additonal $668.50 I told him forget it that I want my money back and he said that I will have to wait till the 25th of Nov 2011 so I am waiting but I really dont think I will ever see the money again.

People like this needs to be stopped.

One Century Services

We as United States citizen’s can only enter into the U.S.A’s lottery, but not another country overseas. That’s a scam in itself and it’s illegal. One of my bad experiences with overseas lotteries where I was scammed out of the money I had because of another countries lottery from El Gordo Lottery from Spain. It took me a year to come out of denial and had accepted to the truth of it being illegal and I had learned from that experience and I warn everyone not to fall for overseas lotteries. It’s a scam as well.

And don’t send money when u have money already. U need it. Just keep it. Just beware of when someones asks for a wired transfers or western union or money gram, then it’s a red flag, especially when u don’t know them or if it’s an upfront fee. It’s a scam and don’t reply to “emails letters” at all stating a winning from overseas or an “email” from Sweepstakes Clearinghouse or an “email” of a loan offer from a company or an email address with the last two letters uk. They’re all scams. They all ask for money upfront. Just be careful.

I hope this info helps anyone who may come across these type of scams who might be a prey to becoming a victim in order not to become one. Have a blessed day.

Linda Gallagher will be their contact person. They are all LIARS and must be in jail for robbing money from the public. They took advantage of whatever money you have. Please NEVER LISTEN to them. Report all their activities to the police and the Attorney General AS SOON as possible. Never give them MONEY. You will loose a lot of your money.

147 atlantic ave, boston mass., 02110.

I was approved for a 5 thousand dollar loan thru this company. They first said I had to send a thousand dollar to secure the loan. It went to kingston jamaica to a felicia Gayle, the second time it was 318 dollars going to Peta Gay Lindo, third time was 200 dollars was going to Peta Gay Lindo in Jamacia and fourth time was 300 dollars going to Felicia Gayle in Jamaica. this was to pay boarder taxes for the money until today they will not return our phone or email.

If anybody get a phone call from this company it is a fraud and will scam you. the people that contacted us are James Smith, Tricia Bolding, Mrs. Glenn and Margo Brown. So please do not do any business with Boston Standard Lending Bureau in Boston Mass.

If you are true lender, I want to check below items to your side.

1: No Nigeria, Ghana(Especially Accra Ghana), Indian, UK lender.
(But if you can show any proof of true lender,I will accept only UK lender)

2: No Origination fee, Activation Fee, Transfer Fee , Documentation fee and all other fee by Upfront.

3: If necessary to pay fee, all kind of fee must be deducted from required loan amount.
( Ex : if you need fee USD 800, it must be deducted from my loan USD 10,000 = 10,000 – 800 = 99,200 should be cash in my account)

4: Once you say “Western Union” or “Money gram”, I will judge that you are fake, fraud and scammer.

5: if you required insurance deposit, just that case I accept sending money to you.
but only trasnfer via bank to bank I accept. NO “WESTERN UNION” and “MONEYGRAM”

6: You must show “licenced lender certification” to me.

If you are true lender, you can proceed my loan application with above condition.

I hope you are true lender.

Most of fake or scam lenders are African and based in other countries.

I have found more info on them as well, they also go by loan city.org. They are receiving several scam reports on the web now and apparently their sites were created on Oct 17 2011.

I have pretty much contacted everyone incl BBB, FTC, Western Union, State Police and another person said he has contacted FBI. I also had contacted an attorney on 49th floor of Penn Plaza and they had me speak with an investigator in their office. He took all the info, just happens to be they are fraudulent insurance attorney but none the less he was going to investigate because they are using their address.

Either way thanks for your post, the more people who report this better of them getting caught or stopped!

888-643-4749
Raymond Harris ext 100
Bob Evans ext 720
cornerstonestate.com

Problem: They scammed me!

So I western unioned the money…after not receiving my loan the next day, I called back. The guy helping me began to become rude after my accusations of an illegit company and demanded an apology which he never got. About 45 min later a “manager” called me and told me that there was a problem with my loan and that the lender had reassessed my credit report and that they needed another 4 months security deposit and that now I would not have to make payments for 8 months.

Reluctantly I did it…huge mistake!! A mistake that has now cost me nearly $1900 and my bank account is overdrawn $1100. Of course when I called the company they claim that the lender pulled out of the loan which was a breech of contract and that they are going after them (yea right) and that I will get a refund and they are trying their best to get it to me today….which I know is all a line…but without hesitation the guy (Raymond Harris he called himself) tried to sell me on another loan for $10,000 and it was absolutely guaranteed for another $1600 of course…which I yelled NO!
PLEASE BEWARE!

Cornerstone State Financial
1 Penn Plaza 49th floor
New York, New York 10119
888-643-4749

Contacts I had were : Nathan Grey and Raymond Harris

In the body of the email was the usual jargon about needing $5000-$10000 loan,etc.

Someone I know had just went through being scammed and i wanted to see if this was the same company. I sent an email stating I wa interested in applying for loan..but I clearly stated in the email, that I wasn’t going to send any upfront fees, transfer fees…etc..if there are any fees to be paid, access it along with the loan.

He emailed back stating, no problem, I wouldn’t have to pay anything..so he sends information about rates, monthly payment…etc…asking if i wanted money deposited into my account or sent western union. I selected WU of course.

Then he proceed to tell me that I needed to send $95 for transfer fee. I immediately reminded me of my 1st email to him….and then he tried to fast talk, and me being me, advise him I am a paralegal and works for an attorney and will turn his information in to FBI, and BBB..

He kept pestering me to send him money….after he saw that he wasn’t getting any money from me…he said F*** off..

Ben Jetto….avoid

I was scammed by Remate Services in much the same way alot of other people were. I was looking for a personal loan online when I recieved a call from “Doug Waters” who said that I was approved for a $10,000 personal loan at 7.25%. He emailed the loan contract, I read over it carefully, signed and returned it with my banking information, home address and paystubs.

He asked me to send two months collateral ($500) via western union. Like a dummy, I did it because my family and I really needed the help. Needless to say, after I sent the money, I spoke to “Doug Waters” and he assured me that my money would be deposited into my account the next morning.

Well, you can pretty much guess what didn’t happen! No money, no access to “Doug Waters.” I have reported this company to the BBB, FBI (IC3), state attorney general’s office (NY), Facebook, Whoscammedyou.com, my local newstation and Western Union.

Their website has been shut down and the “office” number has been disconnected. Keep fighting comrades! All of these heartless people must be stopped!

I requested USD 100,000 as a loan in September early period, at first I gave my information and he sent terms and condition to me. Then he required first 200USD for transfer fee from Ghana commercial bank to my bank.
After I made payment, they asked me “DO YOU HAVE PIN NUMBER?” What is pin number? I dun have experience of any transaction with Ghana Commercial Bank, why do I have it? Then he reqested “PIN Number fee” as second request. and “Activation fee” also to me as third request.

I refused transaction from bank to bank, requested him to send loan money to me via Western Union. At that time, he asked me to pay “Barrister fee” as forth request. After I made payment and requested him send money via WU as soon as possible, and request MTCN to me, but he said “You have to pay transfer fee”.

I asked him to include all fee in my loan amount, but he said “cannot”. Why ? Why cannot put include fee in loan amount? As my last payment, I paid 1300 USD finally, but still he requested ” Western Union Special transfer card” by 1000 USD!

I refused to pay 1000 USD to him, but he always said “I will go your country with General(or Police, or Interpol)” like that he threaten me. But I never scared that interpol and others, because I never have done anything which I have to be arrested.

(They requested)

transfer fee 200USD
Activation fee 425 USD
PIN number fee 200 USD
Barrieter fee 250 USD
Craft code fee 250 USD
Western Union transfer fee 1300USD
Western Union Ghana special membership fee 1000 USD

This fraud lender name is (YOUNG LEE LOAN FIRM).

Shirley Adams from Alliance Credit Relief offered me an 8500.00 loan at 7.2%, provided a contract and provided confirmation letters along the way. Because of my credit score, I knew I would have to put up collateral or agree to a high interest rate. According to the contract, if I paid 1227.00 collateral to the bank (supposedly in Florida to Devin Foster) (6 months payments) I would be set for a Friday dispersal. I paid the collateral the morning of September 2. After hearing from Alliance (Shirley) numerous times and being able to reach her within 2 rings it was odd to me that after I gave her my confirmation number she said “You should have your money by 5:00.”

“Should?”

I called her on this and then hung up. Hours went by and nothing posting. Finally I received a message from Rachel Morgan, head of customer service who told me that there had been a mistake because my broker “Shirley Adams” entered me as a repeat customer which made me exempt from insurance fees and when it was “discovered”. She regretted to inform me that Shirley would be fired and as a new customer I would have to pay the insurance cost of 3000.00, but due to my inconvenience, the company would foot 1650.00, leaving my responsibility 1350.00. I did this and was to receive my loan Saturday Sept. 3 by noon….noon came and went…could not reach anyone…all of the sudden Alliance was nowhere to be found. I never heard from Rachel again so I called at least 200 times each time getting the new “we’re sorry but the extension is unavailable.

Finally after calling from another phone I got through to a very surprised “Shirley” who assured me things were fine and connected me to “Rebecca Miles” who proceeded to give me VERY detailed REFUND information and told me I would receive 2 separate checks from FEDEX OR UPS (or??). She told me to call and get a tracking number on the day of which was September 27. I sat at home waiting for the refund. Never to see it. I lost every dime I owned and as a result I have had at least 3 fraudulent charges and withdraws from my bank account and my paypal account.

This has been the biggest nightmare of my life. The overdraft fees, fraudulent charges, threatening phone calls, multiple hits on my credit. Alliance Credit Relief deserves to be found and brought to justice. I am out almost 3200.00.

I sent that in and I was given instructions to mail it to Windsor Ontario Canada. When they recieved it because I had filled out insurance papers in case of default I needed to send in $900 extra dollars. The loan is supposed to be a secret lender which would be revealed after I sent the money and the loan started.I asked the account representaive if I could have the balance taken out of my loan and I was told no.I really need this money however I believe this company is trying to take advantage.

I received an email from Peggy Lang at The Hubert Group. She stated that I was approved for a $10,000.00 loan, however, I would have to pay $947.00 wich is equal to 4 monthly payments in order to get the loan. I felt skeptical about sending money first and also felt it was strange that the loan was “SECURED”, but they had no collateral of mine. I signed the loan documents, sent in my personal information, and agreed to wire the $947.00 the following day.

I googled this company and they have a website. The loan papers also seemed legitimate. Againts my better judgement, I went to Western Union with $1033.00 in my pocket. I called Ms. Peggy Lang and she provided me the receivers information. Bear in mind I had asked her earlier in the day who the lender was and she said “The Methano Group”, upon wiring the money, Ms. Land stated that I was sending payment to the Chief Financial Officer “June Benjamin” in Miami Florida.

If you are my lender and you claim to be in Maine, then why am I sending this money to Florida. That was my thought prior to sending the payment. Well I got all of the information and advised Ms. Lang that I would call her back after I send the money. I hung up the phone, threw away my wire transfer papers and walked out the door with all of my money in my pocket. I felt so stupid to think that I almost risked loosing all of my money for nothing. The funny part is that I received a call from Betty Hatch, Accounting Department of the Hubert Group the following Monday asking why I failed to submit my payment and why I didn’t contact the office.

I advised Ms. Hatch that it is illegal for them to request payment in advance for a loan. She disagreed with me and we ended the call. I called her back the next day and the telephone number was disconnected. The recording stated “this is a non terminating number through phonepeople.com”. I looked up the website and found these crooks are purchasing phone numbers dirt cheap!! I HOPE THEY ALL ROT IN HELL! I filed a complaitn with the Federal Trade Commission and hope they get caught.

Please Be Aware of The Hubert Group Scam!

I was e-mailed by this company saying my loan was approved. I told them i needed $5,000.00. They told me the minimum loan amount was $10,000.00 and I would need to make 4 payments which totaled $ 947.00 upfront before they would process and send me the loan. They e-mailed me the loan documents.

The docs looked legit but, I wondered why there was not a wage assignment with them because,most companies want to make sure they can collect from you if, you don’t pay them.,needless to say,I did not send them any money and ,reading all these horror stories, I feel very fortunate to have avoided this scam. My heart goes out to all of you who were’ not so fortunate.

PLEASE WATCH OUT FOR THE HUBERT GROUP

He emails me the contract I read over sign, fax it back to him along with a copy of my id most recent paystub with promises to pay the 1st 8 months which was a total of $1048 and my 1st payment of $130 something would not be due until June 2012 with promises of receiving $10,000 in my bank account soon after. DO NOT FALL FOR THIS I REPEAT THIS IS A SCAM AND THERE ARE OTHER COMPANIES OUT THERE DOING THE SAME THING.

So like the daydreamer I was being of means of solving the majority of my debt I went along with this little scheme. So this Michael Hayden guy convinced me to wire the money on Saturday to some Adriana Castona person in Barcelona Spain in Euros with guarantees of the money being in my account on Monday. HOW DID I FALL FOR THIS I SHOULD HAVE KNOWN BETTER DONT GET SCREWED BY THIS. Well come to find out the money was of course not in my account.

I get a call from this Michael Hayden’s supervisor David Watson ext. 708 telling my that oh since my credit wasn’t so great now they are requesting an additional $1048.00 to be wired before I would get the funds and I was furious, I was actually even considering it needing the money so bad and all and since the money wasn’t already there and all and my account was soaring into the negative due to false promises.

Luckily after the fact unfortunately my mom looked further into this and found a similar company name and complaints online well then I dug deeper, I even found a recent article mentioning Michael Hayden’s name I couldn’t believe it I GOT SCAMMED!!!! Long story short I hopefully will receive my money back maybe November 1st maybe not at all I got charged around $200 or so in overdraft fees because I thought the money would be there to take care of my bills.

I have contacted the Better Business Bureau and they are investigating I have changed my bank account number I have filed a police report I have let my lawyer know. All over wanting and needing $10,000 I have got lots of damage due to this I just want to warn all not to fall for something like this IF IT SOUNDS TOO GOOD TO BE TRUE IT PROBABLY IS I have learned a very big lesson from this.

Tribeca Equity Group = Scam

My step-daughter was going to take a loan out with Tribeca Equity Group. This is a scam the more we checked into it the more red flags came up like there website was put up 9-19-2011 and you cant google it. The only way you can find it is they give you the address for it red flag.

He had a answer for everything now my step daughter is not dumb she is a single mom trying to rase two sweet boys who lost there father to a fire a year ago. I went so far as calling this place myself and you cant get through on the phone number they cant take your call, but put in ext number she gave me no problem red flag. For 800.00 they will send her 5000,00 and the money was to be sent to a woman in spain big red flag.

The man I talked to was rude and didnt want to answer any questions I asked him but this is what it boils down to she is not going to talk to them again and we are going to loan her some money. It won’t be the 5000,00 she was told she would get from them but we will all sleep better at night knowing we didnt lose 800.00 to a scam.

This is the info his name and everything else so please stay away from this comp, you should not have to send money to get money. Oh and I forgot we were to send the money to Madrid Spain, BIG RED FLAG!

Brandon Miller
Senior Loans Broker
New Client Account Services
Tribeca Equity Group
1 Penn Plaza, New York, NY 10119, 54thFloor
T: 1-877-343-4760 ext 706
F: 1-646-810-3999
tribecaequity.net

They told me I would receive my funds the next day directly into my account. That morning I got a call from the “manager, John Peters” who told me my loan had to be reassessed because the insurance company had taken another look said my credit was to bad, and Mr. Peters told me I had to pay an additional 6 months of payments for they would disburse. Then Mr. Peters stated that I had two options

1. make the additional payments
2. cancel my loan.

I decided to cancel because there was no way I could come up with any additional money. Mr. Peters then stated that “they wouldn’t be able to refund my downpayment until the 25th of the month”. I told him that I needed it immediately since this was all the money I had and I had counted on the $24,000.00 to pay bills and move to another town.

They did not want me to cancel and kept arguing about making the extra payments. I finally had to hang up because it looked like I wasn’t going to get my refund so I can’t pay my bills or buy food this month. It is sick that there are people out there taking advantage of the already poor people trying to better themselves so they can get a higher paying job to support there family.

Stay away from Intervest Capital Partners!

Ridgemount Financial called me to tell me I was approved. I didn’t even remember filling out an application but they said I was approved for $5000 dollars and all I had to do was send them $800 via western union. They also wanted me to send the money to someone else. They told me to lie to the lady at western union and say it is for personal matters, for someone I knew to keep it cheaper so that made it sound even more off a scam and in another area than they are supposedly located. I say that because I looked it up on Google and there is no website unless you click the link they give you and the phone number I looked up says it is a cell phone and the address shows a street and that is it.

I was ready to send them the money but a lot of things slowed me down today and got in the way. Then I got to my bank to get the cash out went over to the other part to use the western union and the lady said it sounded a little weird and she didnt trust doing it so she would not do it for me. I said you know what maybe this is a sign that I shouldn’t be here doing this, I dont have that kind of money to lose and it seems weird to lend someone that much money. Ridgemount Financial barely asked for any info and they only charge 10% with payments of $171 a month sounded beautiful too.

Beware of Ridgemount Financial in Manchester NH. He also told me that my laywer could look over the documents and had a NH seal on it that really made it seem that it would not be a scam but people can do anything nowadays with computers. The fax number didn’t work, and like I said the number was a cell number and when you can it and listen it sounds like a voice program that is speaking funny and getting words incorrect when saying them and a little muffled.

This is a copy of the email:

Ridgemount Financial
32 Master St,
Manchester, NH 03102
http://www.ridgemountfinancial.com
1-888-661-2294

September 30, 2011

Good Afternoon,
Please review your loan documents, for any questions or concerns that you may have please contact your loan representative at 1-888-661-2294 ext. 450.
Thank you,

Justin R. Green,
Loan Representative
Ridgemount Financial

Some man named Michael Osborne called me and explained to me that I filled out an application online and that I qalified for a 3000 dollar loan through his private lender. He sends me a contract via email and told me to have my lawyer look over it. The contract looked legit.

He informed me that I would need to pay 408 dollars to secure my loan. It sounded good right. So after giving him the signed contract he tells me to western union the money to a man named Corey Robinson in Kingston Jamaica. Thats when things sounded skeptical.

I did some research and the address they use 112 North University Dr Suite 230 Fargo, ND is a phony. Then I continued my own investigation and determined that the toll free number for the business is a phony too. In the meantime this Michael guy calls several times a day to see if i did the wire transfer. After a while I did bust their bubble so he puts his made up supervisor Sam on the phone to tell me its other people using there company name to steal the identity of others but they never answered my question of why the address and toll free number given on the contract is not valid. I almost was their next victim.

The same day another company called about a loan and called from the same area code number. I asked him if I needed to put money upfront to secure my loan then he just hung up on me. So I called that number back and it said the number is incomplete. Please just be careful.

Towers Lending Source
1888 930 1033
701 540 5820
towersls.com

They called and said I was approved for a loan. If, I could send them $635.00. The woman Ann called and when I told her If I could afford that, I wouldn’t need a loan. I got a very irate phone call from her supposed boss. He was threatening to sue me for contract fraud if I didn’t send the money!

The address isn’t even listed in Ohio!

Here is why I beleive its a scam:

1. Can’t find the site on Google it’s been banned. In 2011 if you are not googleable you are not alive.
2. Address in New york is a high rise office bdlg and there is now suite # and they arent listed on any of the bdlg directories.
3. Google Micheal Hayden and he is a loan officer but in NC. but it could lead you down the path of thinking he is legit.
4. The CNN and news links on their site say nothing about them.
5. Their url resolves some place goofy (go to tribecaequitygroup.net view the source-code and check out the address there in the beg of the html script).
6. There are so many different types of the same name Tribeca Equity Group, Blue Owl Equity Group and so on.

I was really in desperate need when they called but still had to do my due diligence. I still have to talk with this Michel Hayden in the AM so I’ll see how far he is willing to go but man was he convincing about the whole deal. I’ll have more information tomorrow after I talk with him again. Until then stay away from them equity groups, lol.

I can’t believe these people. Betty White was so polite and trying to convience me that she would never try to take someone’s hard earn money because she’s a hard worker herself after I comfronted her about knowing this is a scam. Then she had someone else to contact saying she was from quality control or something and that it’s not a scam and they are dealing with the police because some of their workers were dishonest and no longer work there because they were the ones who were scamming….Please don’t fall for this company like i almost did today. To those that lost out of funds my heart goes out to you.

I ended up researching them because it was my last and I said I refund to send my last and get screwed.

I have seem a few posts on here regarding Third Street Equity Group. Please do not send them any money, they are completely a scam.

They scammed my husband out of $1700 once they received the funds they stopped answering their phones and his emails. Their customer service is also a joke. They ask you to speak your name so you can be transferred to the correct rep when you do they will not answer, however we used a fake name and customer service answered. When my husband spoke his name and asked why he had not received his monies they hung up on him. The persons he was working with was MITCHELL COPELAND and a THOMAS JONES.

Please anyone on here looking for advice on the validity of a loan company please know that no legit company will ask for you to make a security deposit up front to get a loan, you will not have to wire monies by Western Union to a single person that has an overseas account. I hope this helps as it seems that they have just started their scam as they posts I see on here are all within the last few weeks.

Their website looks legit however Third Street Equity Group is a complete scam.

The contract looked legitimate and everything looked professional. Then he calls me and tells me that i needed to pay a security deposit of $954 because of my bad credit. I was required to Western Union the money to him, I paid it and never heard from him again or my loan. I contacted the Better Business Bureau and they started an investigation on him but were unable to get in contact with him too.

I certainly felt like a total fool. What can I say, I was in a desparate situation and got scammed. It wont happen again. Thank you for all of your stories.

I was approved by Third Equity Group for a 15,000.00 loan. After the contract was signed I was required to sent them 785 in advance. I sent them the money via certified mail to New York and my envelope with my personal check was returned via USPS.

I called them back and they said that the reason why they couldn’t receive my check was because they forgot to provide the suite number so they asked me for a western union wire transfer. It looked spooky and after reading on all this post I know it is a well structured scam.

Be careful, they also refuse wire transfer from my bank. Copeland is the last name of the roach that was helping out, keep on mind that a legitimate loan will never require advance money, other that processing fees.

This company is asking for money as collateral for a personal loan.

1. Needing a loan means you dont have money to put up.
2. the physical address on their website and the loan docs is for a commercial building in orlando. the building does exist and the address is real but…. the suite numbers are 4 digits and I called the number on their site for the suite number they said it was 16505. DOESNT MATCH.
3. The list of business at this address does NOT have concordia listed on the directory
4. when you call their number the “operator” sounds funny to say the least
5. there is a compnay with the name CONCORDIA GROUP this company included concordia equity group to confuse people. their address is concordia.com which usually business have their full name as a web address.

Concordia is a scam all loans require collateral so that if you dont pay the loan you they can reposses that collateral. The collateral has to be something that you own. Money is not collateral, if you are paying them the same amount you need a loan for then you dont need the loan.

Be careful!

So People beware

P.S I slapped myself for this one cuz I went along with it for the longest while. I shoulda known seeing the person name was “Betty White”. Like i have heard some bad names but that one just seems too Fake if you ask me.

They said I could get a $6,000 loan if I would pay the first few payments in advance. They sent me over the paperwork, and at first glance, it looked legitimate. However, something didn’t feel right about the deal. So I did a little research. I looked up their address, and there was no mention about them occupying that location. Also, there is no information about them from the BBB.

Then I found this site and another site where others are claiming to have been scammed by them. Glad I didn’t take the bait.

I wish I would have read this site before I sent them $885 of my hard earned money.

Michael called to tell me I was approved for a $5,000 person loan but due to my credit I need to make the first five payments. Seemed simple enough. First red flag should have been that he wanted me to load a Green Dot money pack card with cash for my deposit. After I gave him the code to transfer the funds, he said I would receive the deposit in 24 hours and you guest it, nothing was deposited into my account.

I am now out the money since Michael said the private lender asked for insurance so for additional $1,000, I could insure the loan and they will be raise the loan $2,000. Feeling I was mislead, I told Michael that I was cancelling my loan and I wanted my deposit back. He said there is not backing out of the loan. We argued that then I hung up. How are compaines able to do this to people.

How can Michael sleep at night? Karma is a bitch and he has a lot coming his way. I plan to pursure other legal, federal, and whatever way I can do to resolve this issue. I am perplexed that there are so may companies out there who continue to steal people’s hard earned money.

I have contacted the Attorney General and also filed a complaint online. If anyone speaks with Remate Services in New York 888-624-8944 it is a scam.

This was a big scam! Sent $820 to secure my loan of $8000 was sent contract, insurance info, etc. This was the worst experience ever! I wish I would have found a post about this earlier. Needless to say- no loan ever came through, I’m out $820 and sick to my stomach. They used the website fsloancorp.com and contacted me via email from peter.allen@fsloancorp.com. I even looked up the company on Angie’s list and BBB. There had been no complaints and I cant believe I was so stupid!

This just happened 9/14/2011- SO BEWARE!

Phone # 1-877-459-8068
Fax# 1877-459-8068
Address 180 battery st # 401
Burlington, vt 05401

Names
Michael Perry, Brent Samuels, and many more

I feel such a fool, they told me I’d been approved for a 5000 dollar loan. I did’nt need a guarantor I just had to pay the 1st months installment up front (235 dollars) by form of a Ukash Voucher. I paid it then they said I’dd have to pay some sort of tax but its refundable 175 dollars more. I paid it and then they said it was’nt going through because it was an odd number and I’d have to round it off to 500 and pay this by money gram.

I told them I had no more money and was going to get legal advice. I feel horrible I’ve not told any of my friends or family I just feel like an idiot. I’ve spoken to consumer direct, citizens advice and the police but I don’t think I will see a penny of it again. They started getting really forceful on the phone and saying what is wrong with you, you pay it will go through, it will all be refunded for you.

Please dont be fooled. They are very cleaver and convincing but are robbing bastards. I’m a single mom of four and really did not need this. It’s just awful I’ve now been advised to change my bank details, PIN and email address

You should never have to pay upfront for a loan and if the interest rate seems low it’s a scam! I just wish I had been told this but we live and learn no matter how painful.

This economy is horroble right now so of course I was extremely desperate and gullible! I recieved a call From “Melinda Barnes” stateing I was approved for $3000. I just needed to send a couple payments first for “security” then it was one thing after another. Then Im deing transfered to “Richard” manager then its “Margaret” and I know I dont have good credit but come on I got desperate!

Now $1600.00 later and possibly losing my home and bills are at shut off notices, they really want me to send one more payment and I’ll get an additional $2000 are they kidding! Well being a very on edge stressed single mom I am NOT letting them get away with this!

I believe that Stepps Financial Solutions is also a scam! The contract arrived today via fax and it is out of Jamaica W.I.

They are offering us $5000.00 on an unsecured loan and the payments are 124.56 a month for 36 months at an 8.75% interest rate so JUST DO THE MATH? The womans name is Patricia Kahn that we have been speaking with over the phone. On the papers the president/CEO is Jana Anderson. They want us to send 590.50 for insurance on the loan to secure it? Other names involved in this are Ronal A Reed (ass. Director), and a Mr. Andrew Cooper the “insurance adjuster”.

I am soo thankful that I researched and found this website the stories are all the same. How dare these people!

I will be checking back on here b/c I am sure they will get someone to send them money, they almost got ours! THANKS AGAIN FOR THE PEOPLE WHO SHARED THEIR STORIES. I am sorry for their losses and pray that they get some kind of justice!

The papers have a 35 Trafaigar Road, Kingston10, Jamaica W.I. The “president/CEO of the company is Jana Anderson. They are a privately held corporation helping entrepreneurs grow innovative companies on a global basis.. lol.

They offered 3 options for approving the loan, a vehicle title, a co-signer with perfect credit, or guess what? MONEY FOR SECURITY, well they are claiming it is for insurance they even sent 2 pages worth of what this insurance covers.

I am so thankful that I researched and found this page b/c we were about to use the bill money that we have and send it to them so that we could get all the bills caught up; now we will just pay what bills that we can and keep on keeping on! Thanks for this page and I’m sure I will hear of someone being scammed by this company but I’m going with my gut and if it sounds to good to be true it probably is! Oh and I forgot to add that the amount of the loan was $5000 and the payments were 124.56 a month for 36 months.

Beware of Steeps Financial Solutions

All they are doing is pocketing this money and using it for other things. Wall Street Lending Group is a scam also. The girl Melinda Barnes works from home and has children and how dare she does something so evil to someone else when she has a child or children of her own. Her day will come and so will the people at Webster Rachel, Jessica, and Sasha.

Beware of:
Veridian Loan Center
Burlington Vermont
Michael Perry

If you apply for a loan make sure to write down who with whether or not you get one. I have never applied for an online loan or a payday loan but a few days ago I received a call from a man name Adrian Hoskins from Mckinney Law Group phone 607-219-4393.

He claimed I had an unpaid loan and the company was pressing fraud and theft charges on me unless I paid the settlement fee of 738.00 plus attorney fees. I knew I did not have a loan so I called my aunt (who is an attorney) and asked her what to do, she called the company and they told her the same thing. The only difference was when I called they said the initial loan was 300 and when she called they told her 500.

Needless to say it was all a big scam. As I looked more into it I found it is a very popular scam at this time and many people have been called with the same situation. There are so many out there. So if you are going to apply for an online loan PLEASE be careful. As I now am finding out it is very scary, stressful, and annoying to try to recover from identity theft.

They sent me papers and told me for insurance reasons because of my credit they wanted 578.23 and that I needed to send it first. They asked me to put it on a money pak so I did and that was on the 30th of August. I was told that the money would be in my account in 48 hours.

I am still waiting and no contact have tried email, phone and fax and no one has returned any contact. They also have a copy of my id. They had two phone numbers which I called.

I have a child who is real sick and daily living meds cost 17000.00 a month. I am trying to make ends meet and really didn’t have the 578.23 but needed the loan. Now I am hurting even more.

I sent my money to Wall Street Lending Firm they told me the same thing that they would put the money in my account. The next morning I never received anything. I sent them $480 and they told me I was getting $4000. When I called Melinda Barnes back the next day I told her I never got my money she sad because of my credit they wanted me to send another $330.

I told Melinda she was out of here mind then I suggested that I get my money back and she sad ok will take like 2 week to receive it. Yeah I was played but times are hard I know I was stupid but hey its life you live and learn.

Wall Street Lending Firm is a scam so don’t fall for it. I’m going to pray for these people because they are sick!

One question i have is there any way to track who received the wired money and when? Don’t you have to show id to pick up the funds? Thanks again for all the info……to mark & his conversation with one scammer…..way to go! Maybe if everyone did this to them, they would quit trying to scam people? Just a thought.

The suggestion to innundate them with free emails is great too. I do that with unsolicited mail. return it to them in their postage paid envelope that way they pay postage both ways.