Credit application company scamming my wife... need AT help.

[CVSiN]

http://yourtattoosucks.com/wp-content/uploads/2010/03/pay_up_sucker_tattoo.jpg

 

[Numenorean]

We never accepted the loan though, that's the problem.

You asked them to process one. They didn't charge a fee BEFORE processing it. I think that is what will get you. Maybe not, but that's what I would try to do if I was that company trying to get the money.

 

[Numenorean]

Also - I wouldn't have EVER put my social and other info in a web page that looks like that. I mean...really.

It's not even on a SECURE web page!!

 

[bignateyk]

I require before/after pics of your wifes boobs before I can render any useful advice.



*By reading this post you are hereby obligated to post pictures of said boobs

 

[LikeLinus]

This company does not provide loans.

"An independent processing company, not a lender, and entirely separate from any lender, AcQuired Loan Solutions (ALS) is able to search multiple lenders to present a variety of loan programs and options"

This is a SERVICE. You are paying for them to go out and search multiple lenders for the best rates on loans.

So essentially he's paying $150 for a service to go and do the work for him that he doesn't want to do.

 

[Double Trouble]

It's definitely a scam of sorts, but in this case it's going to be tough to get out of it. Viper GTS is right though, you can use the FDCPA to make things a big pain for them.

 

[Cuda1447]

Yea, I wish my wife had informed me of this webpage prior to submitting this shit. Ah well. FDCPA it is I guess.


Regardless of whether or not she shouldn't have done this or that... this company is bogus. Clearly. I don't want to give them a dime based on principal alone.

 

[Cuda1447]

You know, here's the shittiest part of the whole thing. According to the FCDPA website


"If you’re looking for a loan or credit card but don’t think you’ll qualify – or if you’ve been turned down by a bank because of your credit history – you may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. Should you apply, you’ll likely find out that you have to pay a fee just for the promise of the loan. Best to ignore these ads or sites.

If you have to pay a fee for the promise of a loan or credit card, you’re dealing with a scam artist. More than likely, you’ll get just an application for a credit card, a stored value or debit card, or a card that has so many strings attached, it’s practically worthless."


That is essentially what this company does, and it is essentially a scam (although is it illegal?). The worst part though is my wife has excellent credit. She only used this fucking company because the doctor referred her there! She trusted her fucking surgeon.

 

[Svnla]

This is why I don't apply credit with shady no name companies. Not saying big brand name companies are not shady either.

 

[blinblue]

You know, here's the shittiest part of the whole thing. According to the FCDPA website


"If you’re looking for a loan or credit card but don’t think you’ll qualify – or if you’ve been turned down by a bank because of your credit history – you may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. Should you apply, you’ll likely find out that you have to pay a fee just for the promise of the loan. Best to ignore these ads or sites.

If you have to pay a fee for the promise of a loan or credit card, you’re dealing with a scam artist. More than likely, you’ll get just an application for a credit card, a stored value or debit card, or a card that has so many strings attached, it’s practically worthless."


That is essentially what this company does, and it is essentially a scam (although is it illegal?). The worst part though is my wife has excellent credit. She only used this fucking company because the doctor referred her there! She trusted her fucking surgeon.

I would at least confront the surgeon and ask him why he'd endorse such a scummy company. At the very least so that he doesn't suggest it to anyone else.


Oh, and I'm probably talking out of my ass here, but since the site is not secured in any fashion, its highly likely your personal information is kept very insecurely as well. There might be laws about how companies can store things like social security numbers, maybe there'd be some way to get them on that.

 

[nick1985]

Yea, I wish my wife had informed me of this webpage prior to submitting this shit. Ah well. FDCPA it is I guess.


Regardless of whether or not she shouldn't have done this or that... this company is bogus. Clearly. I don't want to give them a dime based on principal alone.

Heh, ALS was involved in the case that I had as well that I successfully beat them on. Its a total scam company.

My GF went for a consultation and walked out signing a contract. BIG MISTAKE. I researched these companies involved and figured out it was a scam. They started billing her even though she canceled everything the very next day. The Illinois Attorney General got involved on our behalf and basically put the kabash on them billing us. GF learned a life lesson though.

Since I JUST finished dealing with this company, feel free to PM me with questions. I can probably answer them for ya.

 

[Cuda1447]

Heh, ALS was involved in the case that I had as well that I successfully beat them on. Its a total scam company.

My GF went for a consultation and walked out signing a contract. BIG MISTAKE. I researched these companies involved and figured out it was a scam. They started billing her even though she canceled everything the very next day. The Illinois Attorney General got involved on our behalf and basically put the kabash on them billing us. GF learned a life lesson though.

Since I JUST finished dealing with this company, feel free to PM me with questions. I can probably answer them for ya.

Thanks Nick, I'll probably take you up on that.

 

[highland145]

She only used this fucking company because the doctor referred her there! She trusted her fucking surgeon.

Kick back, most likely.

 

[Fausto]

I require before/after pics of your wifes boobs before I can render any useful advice.



*By reading this post you are hereby obligated to post pictures of said boobs

Post of the fucking day.

 

[nick1985]

Thanks Nick, I'll probably take you up on that.

NP. I used a 3 pronged attack. I immediately submitted a complaint with the Attorney General and submitted all of my information. I filed a complaint with the BBB, and I consulted a private lawyer to contact them. Along with this, I went into their business (not ALS, but the company who my GF signed a contract with) and raised hell several times until they finally asked me to leave or they would call the police. They had customers in the lobby and I was reading off verbatim the complaints about them on the internet. I didn't give a shit though.

They lied to us several times saying the account would be closed, and it never did. Dozens of different lies from people on phone, office managers, employees, everyone involved. They are trained very well to deflect and lie. It probably works on a lot of people, but it wont work when up against lawyers and the Attorney General and others that know the laws.

Granted, there was a $550 down payment and a $1500 line of credit at stake with us so I took it extremely serious. You are only in it for $150, but I would still be pissed as hell.

Also, my GF signed up for a line of credit through ALS for a cosmetic surgery(not boobs). Who was the loan through if you dont mind me asking? Feel free to PM me with it, but I bet I can guess.

 

[amicold]

You know, here's the shittiest part of the whole thing. According to the FCDPA website


"If you’re looking for a loan or credit card but don’t think you’ll qualify – or if you’ve been turned down by a bank because of your credit history – you may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. Should you apply, you’ll likely find out that you have to pay a fee just for the promise of the loan. Best to ignore these ads or sites.

If you have to pay a fee for the promise of a loan or credit card, you’re dealing with a scam artist. More than likely, you’ll get just an application for a credit card, a stored value or debit card, or a card that has so many strings attached, it’s practically worthless."


That is essentially what this company does, and it is essentially a scam (although is it illegal?). The worst part though is my wife has excellent credit. She only used this fucking company because the doctor referred her there! She trusted her fucking surgeon.

Dude be realistic it's shitty of them to charge you the money but they did render the service you requested and agreed to. Your wife was probably very excited and clicked through it without reading it but with that said if you can afford big fake tits you can pay the $150

 

[Brainonska511]

Don't roll over like some want you to do for shady business practices. Burying the fee in fine print is shady if you ask me and totally out of line. I'd go with Nick's suggestions.

 

[mugs]

Yea, I wish my wife had informed me of this webpage prior to submitting this shit. Ah well. FDCPA it is I guess.


Regardless of whether or not she shouldn't have done this or that... this company is bogus. Clearly. I don't want to give them a dime based on principal alone.

I'm trying to figure out why the company is "bogus." Did they not provide the service that they promised? It sounds like the only problem is that they still want to charge you for the service after you backed out. But their service is finding you a loan. They already did the work. Why shouldn't they get paid for their work?

 

[nick1985]

Thanks Nick, I'll probably take you up on that.

Our situation

Cosmetic surgery place uses ALS to get a scam loan company to approve you.

Your situation

Cosmetic surgery place uses ALS to get a scam loan company to approve you.



Care to PM me the name of the cosmetic surgery and the loan company? I'm just curious.

 

[nick1985]

I'm trying to figure out why the company is "bogus." Did they not provide the service that they promised? It sounds like the only problem is that they still want to charge you for the service after you backed out. But their service is finding you a loan. They already did the work. Why shouldn't they get paid for their work?

Just because they say a debt is owed, doesn't mean it is. As cited in this thread, its illegal to do this in some states. We still need more info from the OP.

 

[OCGuy]

Pics of tits please.


On a serious note, take it from someone in the credit industry: If you think for a second that you may be legally obligated for the debt: Pay it. Then try and fight them to get it back with whatever consumer protection law you want.

$150 is not worth the damage that sinking one or more of your credit scores can do.

 

[highland145]

$150 is not worth the damage that sinking one or more of your credit scores can do.

Dispute, dispute, dispute until the cows come home.

 

[Brainonska511]

Pics of tits please.


On a serious note, take it from someone in the credit industry: If you think for a second that you may be legally obligated for the debt: Pay it. Then try and fight them to get it back with whatever consumer protection law you want.

$150 is not worth the damage that sinking one or more of your credit scores can do.

Good luck ever seeing the money again if you pay. Even with consumer protection laws.

 

[her209]

Looks like she did get a boob job after all.

 

[OCGuy]

Dispute, dispute, dispute until the cows come home.

That wont do anything if this company can prove to the bureaus that he owes the debt.

This is what it reads on your credit under the tradeline if you dispute it and lose:

"Dispute filed. Dispute resolved. Consumer disagrees."


If you don't plan on financing anything in the near future, then take the hit on your credit. A single collection won't hurt very much after 12-18 months.