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Has anyone applied for a bad credit loan through Luckson Loan Firm or Harryjoe Loans agency?
I was wondering if anyone has conducted business with Harryjoe Loansagency or Luckson Loan Firm? I was reading yahoo answers and this is how I came across the two lenders. After completing the Luckson Loan Application, I was contacted and told that I was approved, however I need to Western Union $215 USD before they will transfer the money to my account. I'm a little sceptical, as the company is in Nigeria, and everyone says that you shouldn't have to pay money up front to receive money (such as loans and what not). If you have obtained a loan from the listed companies, can you please respond and tell me how it worked out for you? I have tried other means of obtaining a loan, such as Cash Call, but their interest rate is too high. Does anyone know of a legit company that can approve a loan for around 4000 even if you have bad credit? Please do not respond if your answer is not helping my current situation.
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| By
Happy7 |
Posted on
05/25/08 Total Answers
5 |
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| Answers- |
| its a scam. never do business internatioanlly especially africa...ive almost been scammed too. also no one will give you a loan but ask you to pay first. no one. try bank of america or a reputable place. |
| Answer by :
Elou On Date
2008-05-25 17:34:48 |
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| Stay away from it. It looks like a scam. There is virtually no way that you can pursue them if there is a problem.
I did a search for both companies. No web sites came up, only spams on sites like YA. A web site does not mean a company is legitimate, but all companies today have one. |
| Answer by :
hamrrfan On Date
2008-05-25 17:52:59 |
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| Advance Fee Fraud
Please take the time now to read through the following advisory posted by the Federal Trade Commission (FTC) so you don't have any regrets later.
"Advance-Fee Loan Scams: ‘Easy’ Cash Offers Teach Hard Lessons"
http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm
Looking for a loan or credit card but don’t think you’ll qualify? Turned down by a bank because of your poor credit history?
You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The catch comes when you apply for the loan or credit card and find out you have to pay a fee in advance. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, that could be a tip-off to a rip-off. If you’re asked to pay a fee for the promise of a loan or credit card, you can count on the fact that you’re dealing with a scam artist. More than likely, you’ll get an application, or a stored value or debit card, instead of the loan or credit card.
The Signs of an Advance-Fee Loan Scam
The FTC says some red flags can tip you off to scam artists’ tricks. For example:
A lender who isn’t interested in your credit history. A lender may offer loans or credit cards for many purposes — for example, so a borrower can start a business or consolidate bill payments. But one who doesn’t care about your credit record should give you cause for concern. Ads that say “Bad credit? No problem” or “We don’t care about your past. You deserve a loan” or “Get money fast” or even “No hassle — guaranteed” often indicate a scam.
Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they guarantee firm offers of credit — even to creditworthy consumers.
Fees that are not disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”
Legitimate lenders often charge application, appraisal, or credit report fees. The differences? They disclose their fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.
It’s also a warning sign if a lender says they won’t check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. They may use your information to debit your bank account to pay a fee they’re hiding.
A loan that is offered by phone. It is illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they deliver.
A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look slick. Some scam artists have pretended to be the Better Business Bureau or another reputable organization, and some even produce forged paperwork or pay people to pretend to be references. Always get a company’s phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities.
A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks.
A lender who asks you to wire money or pay an individual. Don’t make a payment for a loan or credit card directly to an individual; legitimate lenders don’t ask anyone to do that. In addition, don’t use a wire transfer service or send money orders for a loan. You have little recourse if there’s a problem with a wire transaction, and legitimate lenders don’t pressure their customers to wire funds.
Finally, just because you’ve received a slick promotion, seen an ad for a loan in a prominent place in your neighborhood or in your newspaper, on television or on the Internet, or heard one on the radio, don’t assume it’s a good deal — or even legitimate. Scam artists like to operate on the premise of legitimacy by association, so it’s really important to do your homework.
Finding Low-Cost Help for Credit Problems
If you have debt problems, try to solve them with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve the problems yourself or need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are low- or no-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. To learn more about dealing with debt, including how to select a credit counseling service, visit http://www.ftc.gov/credit. |
| Answer by :
PiggiePants On Date
2008-05-25 18:12:47 |
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| NO ONE has EVER recieve loans from either one of these "companies"... What part of "Advance Fee Loan FRAUD" are you having difficulty with???
Here are some tips for determining whether a loan is legitimate or a scam:
1) They don't use a free email address (yahoo, gmail, hotmail, live, etc)
2) They have a secure website you can go to to fill out their application (this isn't 100%... do a search with the company + fraud and also + scam... and check the BBB)
3) They don't require ANY fees upfront. Any fees will come out of proceeds of the loan (scammers want their fees via Western Union or Moneygram)
4) They have a REAL address you can send mail to
5) They have a REAL phone number, not a cel phone
6) Look at their profile - usually created in the last 48 hours. Why? Because they get reported for this, yahoo deletes the accounts, so they just open a new one and send again until they are deleted once more!
7) If you're STILL not convinced, despite one or more of the above applying, check them out for yourself: http://www.nextwebsecurity.com/LocationTools.asp allows you to search for their IP... turn on your full headers and check each one of the IP's in their email to you! Or check the data base at: http://www.419legal.org/ ...if nothing shows up, post your email under: http://www.419legal.org/fradulent-email/ and a professional will check them out for you... (please include FULL headers minus your personal information)... Once you've checked them and are convinced they are scammers, please forward a copy of their "loan application" to abuse@yahoo.com, abuse@hotmail.com, etc
Until you get around to FIXING your credit, no one is going to loan you money without insane interest rates... You're not worth the risk... |
| Answer by :
The_Nest On Date
2008-05-25 21:23:52 |
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| Check this site http://www.badcreditresources.com... - Here are the list of lenders that specialize in providing loans to people with bad credit. These lenders will help you paying your overdue bills, emergency needs and overnight loans. |
| Answer by :
Kwin On Date
2008-05-29 02:08:22 |
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