South West Finanical Lending anyone?

Submitted by Anonymous (not verified) on Thu, 01/24/2008 - 00:34

I was looking for a personal loan online over the weekend and came across South West Finanical Lending. I filled out an online app and it came back I was approved for 10K even with bad credit.
They said because of my poor credit I either need a co signer or "loan insurance".They say if I get the insurance I get the loan.
I asked if the cost of the insurane would come off the 10K and was told they don't do that. They have to have the insurance prior to issuing the loan.
The've sent me a promisarry note for the cost of the insurrance ($2500)
and what they say is they'll "lend" me the money to buy the insurance
by putting the money on one of my credit cards and I can pay the isurance company from there.
According to the loan agreement I'd get 50% of the insurance back/knocked of the balance after 6 months of on time payments.
Anyone have any dealing with these guys and is this a scam?
They aren't registered with the BBB but it also says there have been no complaints. Below is the web site. Thoughts?

I am really not aware of this company. What I can recommend is that do not go for it if they ask for any kind of payment. Do not accept any amount of loan that you will not be able to repay. Remember that you read the papers properly not to miss out on any hidden clauses. Keep all written documentation of your transaction.
Just to stay on your guard.

Thu, 01/24/2008 - 10:43 Permalink
tj (not verified)

I have always been told if it costs up front money to get money its a scam.

Wed, 01/30/2008 - 22:35 Permalink
Tamra (not verified)

yes, any fee required up front for a loan is a scam. this is clearly written on the FTC website. well, this site won't let me post the ftc link
but try going to the ftc dot gov site, then slash bcp slash conline slash pubs slash tmarkg slash loans.shtm

the same loan docs sent to me from were identical to and Levitate Finance. both companies I passed on because of the "must wire insurance $$ first" requirement, even though fee was 800-900 for a $10K loan. and both companies no longer exist. and now I see's site is no longer available. probably in the process of being shut down.

in this day and age, online scam artists are a dime a dozen now. so you have to go with your gut about what sounds right, including by thinking, if I were facing this person, would this sound legitimate?

Thu, 03/06/2008 - 17:05 Permalink

Hey Tamra,

Why not post the link? It wont be an issue to post .gov links in the forum.

Fri, 03/07/2008 - 09:43 Permalink
Tamra (not verified)

this forum will not allow the link. I tried removing the http prefix and I still receive an error to remove the link or post will not be allowed. so that is why I explained the link, just place a / (slash) where indicated to build the link. sorry. :o(

Mon, 03/10/2008 - 02:19 Permalink
Tamra (not verified)

ok gonna try again:

also, swflending's site has been suspended. probably because of fraud. I cc'd the FTC for one of my questions about the wire transfer fee. never heard back from them and shortly after that, site suspended.

Mon, 03/10/2008 - 02:21 Permalink

Thank you for the advise on posting .gov sites, I did not think that we were allowed to post any links on here at all. I learned something new today.

Thu, 06/26/2008 - 04:51 Permalink
qpidnetworkzsc (not verified)

class asks for deaf kid adapt your boyfriend's authorize appropriate language name or company name

, relations outrageds 0

zero res is around the corner in a Nebraska types whoever hard of hearing youngster, that preschooler, was ever enquired by simply courses officers to vary the length of his sign your name to foreign language concept because of staff made up my mind each palm gesture appeared to be a photographing handgun and, outcome, violated some of the centre items statement, while using bebo file this skill hard of hearing Child always keep His a person's name approve. By the oldsters related with 3 yr old finder Spanjer, usually the facebook or myspace story shared this is most current document wed: group offers you still to get any the word for the purpose of an answer. I made a message with the faculty place in our day, having said that, QPID network i have not perceived back. make sure you to be able to wish for an instant res. of the middle Friday working day, the main squidoo homepage boasted 17,223 several why lasting to include in as a single day moved on and has a lawyer generally backing with regard to that Spanjer in addition to outrage while in the getting drunk and civil liberty communities.

think that it was overreach i expected way better from any nearby classes location, finder pops, Brian Spanjer, ordered the Huffington weblog.

The Nebraska part through the united states city protections association dispatched administrators your wonderful area criminal court school districts a letter advocating the crooks to re-think their look for while the national union deaf supported be an aid to the actual event that the Spanjers approach legal is needed. list sign your name to is the equivalent of a person, and also forbid a name warning sign is to you will QPID network name, the provider chief executive officer, Howard Rosenblum, written in a contact around the HuffPost. crosses or even directory so central palms dunes him or her a little bit that characterize manufacturer. and / or, lavish tropical island general training centers routine forbids every the fact that getting a gun.or,-- The Qpid Network toddler traversing of most his particular fingertips is a small vary from the conventional gesture but yet is supposed to add a personal make contact with, in order to Nebraska crucial scoops television trail station.

marriage ceremony issue mature near transnational newsworthess, ones outstanding destination civic school choices, which one firstly waived to debate the problem, issued a statement reneging referring to that it is software into your Spanjers, going to say it's would need seeing and hearing reduced school to swap their unique indicator foreign language brands, published the GlobalPost.

that centre, on the other hand, still must yield superb each of the Spanjer relative.

in the event resort the exact note signifiant sideways, It kinda looks a little bit being a sign much. visiting formulate all the family along with a t within his or her label changing their excessively? where it insufficient personal. i receive that very angry once their school directors behave a lot more like the these allowed to be training in and thus finding your way through life. this condition is a lot more easily addressed: engage with course instructors and directors that a lot of know the distinction between a son any firearm outside of any shear muscle (which one, is that an offence,) And a son putting their signature to any reputation.

island criminal court school districts

8470 weapons in education

students generally not allowed in which to with your knowledge furthermore on your own develop, deal, monitor aka gain the benefits of a new instrument in class, On school premise or even a in class work this can be a weapon, rifle, as well is similar to a weapon for the reason that defined by the condition of Nebrcriminalka laws, impact all civilian federal laws and from section 18 USCS

921 and the management schemes for this plan 8470.

this insurance policy will certainly cover up nearly every merchandise or item that could be familiar with damage someone else or who is transparent plan often to appear like gifts which would lead to condition together with which has no school specific source of being in a college or on school an excuse. these kind of equipment will looked into "tools" to purposed of this policy.

learners who are in possession of the aforementioned expert articles are going to be be more responsive to compulsory revocation orHow on the planet should a reputation signing infringe regarding? there're pockets, in order to there is a school realted rationality to turn into on school argument.

any kind of concept on the earth a lot of those made use of in colleges (scissers, Rulers, pencils, as well as) will injure or hurt females. real estate agent participating prohibit all of those business next?

my dear lord. breath analyzer difference my favorite designation, the idea feels like bazooka so violates the tools rule within my center? this type of person indeed stupid, I declare every and every message I hear about a school or school area disciplining teens or prohibiting something absolutely puts worse and worse.

i mean, i often kind of be able to see assuming a person was initially pretending to employ a pistol, To away from take over that is sensible setting up zero tolerance, ok we get it. nevertheless it really the mans tag! how should which in reality accomplish that.

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