Southern United Financial www.southernunited.net, RUDE, VAULGER LANGUAGE, PAY BEFOR YOU GET YOUR LOAN SCAM, ADVANCED BROKER FEE SCAM Jacksonville, Florida

Southern United Financial  rep had gotten up set with me for doing some home work. I did not get the loan due to looking into this company. I found nothing so i called the rep to ask him info about his company he began to curse @ me. This company is not licensed in the state of Florida and is known as a Advanced Fee Broker. Also not listed in any other form other then their web address. I can only find them online through super pages.com. Florida Office of Financial Regulation has no record of this company either. Don't Get scammed !

The scenario is all too common: a consumer receives a call or e-mail or sees an advertisement for a pre-approved loan or credit card and calls to receive an application. The company says yes, they can offer you a loan regardless of you rcredit history, if you pay an up-front "insurance," "security," or "processing," fee in advance. Too often, those with bad credit - who can least afford it -  end up losing their up-front fee and never hear from the company again.  According to the Telemarketing Sales Rule, if someone guarantees or suggests that there is a strong chance they can get or arrange a loan  or other form of credit for you, it's against the law to ask you to pay - or accept payment - for their services until you get your loan or
credit.

The Better Business Bureau, along with the Federal Trade  Commission, offers the following points to keep in mind before you
respond to ads that promise easy credit regardless of your credit  history:

* Legitimate lenders never "guarantee" or say that you are   likely to get a loan or a credit card before you apply,


especially if you have bad credit, no credit, or a bankruptcy.

* If you apply for a real estate loan, it is accepted and common practice for lenders to request payment for a credit
report or appraisal. However, legitimate lenders never ask you to pay for processing your application.

* Never give your credit card account number, bank account information, or Social Security number over the telephone or
Internet unless you are familiar with the company and know hy the information is  necessary.

* If you don't have the offer in hand - or confirmed in   writing - and you are asked to pay, don't do it. It's fraud
and it's against the law. If you think you've been a victim of an  advance fee loan, contact your Better Business Bureau
(http://www.bbb.org), or your local consumer protection agency, or state Attorney General.


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