Complaint Review: Star Credit Services - East Islip New York

STAR CREDIT SERVICES INC., 10 East Main Street (# 129) East Islip, New York 11730 Phone:(718) 391-8831 or (888) 398-8831 Fax:(631) 738-1006 or (800) 657-1501 http://www.starcreditservices.com 7/7/04 CLIENT#: 447981 Trena L Hollins 534 hunt ln #611 San Antonio, TX 78245 Dear Trena, 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 Star Credit charges is for the information that Star 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: $ 250.00 AND $ 2,500.00--Reg.Fee=$ 150.00---Early Bird=$ 75.00 $ 2,501.00 AND $ 5,000.00--Reg.Fee=$ 200.00---Early Bird=$ 100.00 $ 5,001.00 AND $ 7,500.00--Reg.Fee=$ 250.00---Early Bird=$ 125.00 $ 7,501.00 AND $ 10,000.00--Reg.Fee=$ 300.00---Early Bird=$ 150.00 $ 10,001.00 AND $ 12,500.00--Reg.Fee=$ 350.00--Early Bird=$ 175.00 $ 12,501.00 AND $ 15,000.00--Reg.Fee=$ 400.00--Early Bird=$ 200.00 $ 15,001.00 AND $ 20,000.00--Reg.Fee=$ 500.00--Early Bird=$ 250.00 Any amount over $ 20,000.00-Reg.Fee=$ 600.00-Early Bird=$ 300.00 EARLY BIRD SPECIAL: If you become a client within 15 days, you only need to send the Early Bird Fee. Your Early Bird Deadline is: 7/22/04. If we receive payment on or postmarked by this date, then you only need to send us the early bird fee, not the regular fee. Form 1400 STAR CREDIT SERVICES INC. Please remit a copy of this page along with payment if paying by mail. Please check the address we have on file for you to make sure it is complete and accurate: Trena L Hollins 534 hunt ln #611 San Antonio, TX 78245 CLIENT#: 447981 HOW MUCH DO YOU WANT? $____________________________________________ REFERRAL FEE (See schedule on page 1) $_________________________________ Methods of payment: Money Order, Certified Check, Credit Card, Western Union or Personal Check. If you are paying by mail, make sure you include proper payment, preferrably by money order or certified check. Make it payable to Star Credit Services Inc., and send it to the address on top of page 1. Once we receive payment, we will mail your information to you immediately. We accept personal checks, however this will delay processing by 15 days, no exceptions. TO PAY BY CREDIT CARD: #1) Visit our website at: http://www.starcreditservices.com. Click on "MAKE PAYMENT". #2) Or you can complete the credit card section below. Fax or mail it to us. Address and fax number is on top of page 1. #3) You can also call us at the number on top of page 1 and leave us your credit card #, expiration date, the amount you want and the fee you are paying. Don't forget your name and client #. ---------------------------------------------------------------------------------------------------------------------- IF PAYING BY CREDIT CARD, THIS SECTION MUST be complete and accurate) Type of Card: (Check one) Mastercard____ Visa____ Person's Name on Card______________________________________________________ Card #:___________________________________________________________________ Expiration Date: (Month and Year) ______________/___________________ (Example: June 2002 = 06/02) --------------------------------------------------------------------------- You can also pay by Western Union quick collect. It costs around $ 12.00. Go to any Western Union office or any retailer that offers Western Union services, usually check cashing places or supermarkets, and follow these instructions: #1) Use the blue form (quick collect) which is at the western union office. #2) On the blue form, complete the following sections: a) Pay to = Star Credit Services b) Code City = Starcredit (one word) c) Code State = New York or NY d) Account# = 447981 (Your Client ID#) e) Email us with the amount you are looking for. VENUE and LIMITATION OF LIABILITY: Under no circumstances, including, but not limited to, negligence, shall Star Credit Services, Inc., be liable for any special or consequential damages that result from the use of, or the inability to use, the materials furnished to the customer. In no event shall Star Credit Services, Inc., be liable to the reader for any or all damages, losses, and causes of action (whether in contract, tort (including, but not limited to, negligence)) or otherwise exceed the amount paid by the customer. Any disputes shall be in a court of competent jurisdiction within Suffolk County in the State of New York and will be pursuant to the Laws of the State of New York. This contract does not become valid and binding until payment is received and accepted at our office in New York. GUARANTEE:Star Credit stands 100% behind it's guarantee. You will be approved for up to the amount you request from these lenders collectively or you will receive a prorated refund after documentation of results from each lender is demonstrated to Star Credit. Star Credit is not affiliated with these lenders. ------------------------------------------------------- Form 1400 Internal: Recd_______ Pd_________ Dp_________ CLR__________SntDt___________ ------------------------------------------------------ WHAT DO I DO NEXT?- Figure out the amount that you need to send by analyzing the referral fee schedule on page 1. For instance, if you need between $ 100.00 and $ 2,500.00, the regular fee that is due is $ 150.00. If you send it to us before the early bird date on page 1, then you only have to send the EARLY BIRD amount, or $ 75.00. If paying by mail, please send a completed copy of this form and payment to the address on top of page 1. Star Credit Services accepts Visa, Mastercard, Western Union, money orders, and certified checks. Personal checks are also accepted but delay the process by 15 days. Payment instructions are on page 2 of this email(form 1400). If you send us your letter and fee and it is postmarked by the early bird date, you only need to send the early bird fee for the amount you are requesting. If it is after the early bird date, then we need the regular fee. Once we receive your order, we will mail you the lenders' information immediately. Any lender that offers personal loans may be able to get money in your hands within days. The fastest methods are western union and credit card. It may take longer if payment is sent by regular mail. WHAT IF I HAVE MORE QUESTIONS?- Star Credit Services is primarily a mail order company. By answering questions through the use of voice mail, faxes, mail and the internet, Star Credit Services is able to keep it's prices at modest levels. For frequently asked questions you can log onto our website at: http://www.starcreditservices.com. If you still have questions, you can: 1) fax them to us at the fax number listed on your letter, 2) You can call our voice mail and leave your question, 3) You can ask them through e-mail: [email protected]. Answers will be given by fax, mail, or e-mail. ************************************* hello everyone! They say that they don't make deals over the phone or by email, but they can take your money online, if you recieve this email,please don't respond, I had almost responded to them, and almost paid them the fee according to what amount I wanted until I read the feed back on ripoffreport.com! star credit guaranteed 100% approval, and guarantee your money back, but they give you a hard time and make you go threw so much to get your money back! I think these kind of companies needs to be put out of business! I just wanted to pay off all my bills and clear my credit, and then pay that lender back in good standing! but I realized the real truth, there isn't any banks out there that will lend anyone who has bad credit a lump sum of money, you think about, if someone wanted to borrow $2000 from you and you found out that they owe 5-15 other people thousand of dollars, would you lend them money? that is the questions, these fraud companies take all of us who has bad credit for granted, so please everyone don't go through these companies, it is a waste of our time and money! Trena San Antonio,TX