Silvercrest Loans ripoff Philadelphia Pennsylvania

So now we're poor people who could'nt afford the loan?, did you ever think that by saying finally I get a break, could have been the interest rate?? Not oh im getting money. Im not poor, yeah I fell behind on some payments years ago, but I make 3 times as much now as I did when fall behind, And those payments I fell behind on were on 3 credit cards I had at 17!!! How did I get those??, I have paid off all my debt that I was behind on over a year ago, And I am fighting the stupid creditors that keep messing up my report saying I have'nt paid my balances. The fix it when I call then the a week later they change it on my report to what it was, I have been going back in forth and everytime they admit its there mistake. Things are on your report for 7 years, Alot can change in a couple years, How much you make, paying bills on time ect.

Finally we got a break, you think?

Show me how anyone gets a break when they take out a loan. All I ever see is double-digit interest charges. Depending on how long you take to repay the money, you can end up paying double or triple.

That's your idea of a break? Paying double or triple for something?

That's what I call wasting a lot of good money.

There is only one way I know to get bad credit. That is by failing to repay previous loans. And, since these borrowers can't repay their previous loan, how do they plan to repay this loan?

Chances are, they don't. They take the loan today, and worry about the payments later. If the money isn't there, oh well.

That's how most Americans think. Finance today. Repay later. Then, later arrives and they can't find the extra money.

Of course, none of that makes this scam acceptable. This is fraud, pure and simple. The most you could have here is two guilty parties. The fraudulent lenders. And, the borrowers who never manage to repay.

I don't know how in the world you people came up with the fact that this is acceptable. This advance-fee loan scam is fraud, pure and simple.

The real solution here is not to live off credit. Credit isn't free. And, it isn't cheap, either. Credit is for the rich who have tons of money to throw away on interest.

Working people who are struggling to get by need to stretch their money as far as possible. You can't do that by going around and paying double for everything, can you?

I've bought both houses and new cars by saving up and paying cash for them. You wouldn't catch me paying one red cent to some crooked banker for interest or fees.

Clearly, the only real solution here is living within your income. Not taking out all kinds of loans, phony or otherwise.

Funny, but if everyone did that, these advance-fee scams would never make one dime.

I already know most people will disagree with me for suggesting that you live within your means. So, let those same people keep taking out loans wherever they may find them.

See how far you come out ahead.

Lucas like you my husband and I were thrilled that we had actually gotten approved for the loan and the thought of scamming them did not even cross our minds. We also made mistakes in the past and both went through a divorce and have spent years and years cleaning up that mess. We were just thinking "Finally a break" and planning on how we could get a little ahead. I also take offense to what Paul from Anaheim said. I am sure that there are people out there that think like that, but if any of us that got scammed by Silvercrest were those people we would not be wasting our times posting on this site in the hopes of preventing some other poor soul for getting scammed like we did. I also hope that one day the slime balls that did this whole Silvercrest thing will get theirs. I saw on another site that they were originally called something else, credit1financial or something like that. Their luck has to run out some day.

I dont know who you are to say that the people who fell for this scam were just trying to rip off the loan company, and we had no intentions of paying back the loan, or ever making a payment, I think that is a bunch of crap, Loans are hard to get, some of us made mistakes when were young, got screwed over in a divorce the list goes on why are credit is messed up. I think it works because people are so happy they finally got approved, I think its wrong you justify this scam by saying oh, well you were just planning on taking the money and running. Other than your opinon on the people who got screwed over your right on about the using the pre paid phones, and they really cant get caught. They really have quite the scam going on. But they will get theres sooner or later.

The names they gave you are all fake. Skip traces are worthless.

The person who picks up the money is called a runner. They pick a person who has absolutely no connection to the con. That way, if anyone grabs the fool up, he can't lead them back to the main players. The pickup guy has almost nothing. No names. No descriptions. Maybe he gets a cell number to call once he has the money.

The phone numbers are all prepaid cells. No names or accounts needed. You can buy them at Wal-mart.

The emails are spoofed. Faked. Untraceable. Or public wifi.

There are hundreds of western union locations available for the fraud to pick up the money. How can you stake out each and every one of them?

The ID used at western union is fake too. All it has to do is fool a clerk.

Good luck tracing the web site. That's another dead end.

But there is a way. You make the frauds come to you.

Once you understand the principals of deception you can con just about anybody. Even con men have needs and desires. What are they? Money? Drugs? Vanity? Self esteem? p***y? The list goes on and on.

If I wanted to catch somebody like this, I'd sit down and come up with a long con. An intricate con. The kind that you never see anymore, because nobody is willing or able to sit down and think them up.

There is a way to draw these people out in the open.

It's just like a snapping turtle, really. Once it pulls into the shell, it's immune from attack. But, once you give it something to grab onto, it'll bite down and hold on. Then, you simply chop its head off.

Frauds work the exact same way. Give them a reason to come out.

It's not easy. An obvious bribe like money will never work. They're much too suspicious for that. Instead, you want to provide details of your life. Show that you have something they want or need. And, make it look like you're a dumb a*s who can be conned out of it.

You need to assess the situation and find their vulnerabilities first. There's a movie called House of Games (1987). Joe Mantegna. It will give you a better idea of what I'm talking about here.

The frauds used a little bit of that in this advance fee con. Let's face it, almost everyone who applies for one of these loans has no intention of actually repaying the money. There might actually be one complete jackass who would consider sending in the payments. But the rest are planning to stiff the loan company. That's why this con works so well. People think that they'll send in $2100 and get $15,000 in return. They are so busy thinking about how they plan to cheat the lenders that they never see that the lenders are con artists themselves.

Remember this. In the best scams, the victim actually cons himself out of the money. All you do is set the stage for him to act it out on. Human nature will take over and do the rest for you.

Actually frauds are some of the easiest people to con. They feel so superior to others. They let their guard down. Or rather, they never bother to put their guard up the first place. Suckers waiting to be picked.

That's how you get these people. You lure them out into the open. Then, you do the same as with the turtle.

The names they gave you are all fake. Skip traces are worthless.

The person who picks up the money is called a runner. They pick a person who has absolutely no connection to the con. That way, if anyone grabs the fool up, he can't lead them back to the main players. The pickup guy has almost nothing. No names. No descriptions. Maybe he gets a cell number to call once he has the money.

The phone numbers are all prepaid cells. No names or accounts needed. You can buy them at Wal-mart.

The emails are spoofed. Faked. Untraceable. Or public wifi.

There are hundreds of western union locations available for the fraud to pick up the money. How can you stake out each and every one of them?

The ID used at western union is fake too. All it has to do is fool a clerk.

Good luck tracing the web site. That's another dead end.

But there is a way. You make the frauds come to you.

Once you understand the principals of deception you can con just about anybody. Even con men have needs and desires. What are they? Money? Drugs? Vanity? Self esteem? p***y? The list goes on and on.

If I wanted to catch somebody like this, I'd sit down and come up with a long con. An intricate con. The kind that you never see anymore, because nobody is willing or able to sit down and think them up.

There is a way to draw these people out in the open.

It's just like a snapping turtle, really. Once it pulls into the shell, it's immune from attack. But, once you give it something to grab onto, it'll bite down and hold on. Then, you simply chop its head off.

Frauds work the exact same way. Give them a reason to come out.

It's not easy. An obvious bribe like money will never work. They're much too suspicious for that. Instead, you want to provide details of your life. Show that you have something they want or need. And, make it look like you're a dumb a*s who can be conned out of it.

You need to assess the situation and find their vulnerabilities first. There's a movie called House of Games (1987). Joe Mantegna. It will give you a better idea of what I'm talking about here.

The frauds used a little bit of that in this advance fee con. Let's face it, almost everyone who applies for one of these loans has no intention of actually repaying the money. There might actually be one complete jackass who would consider sending in the payments. But the rest are planning to stiff the loan company. That's why this con works so well. People think that they'll send in $2100 and get $15,000 in return. They are so busy thinking about how they plan to cheat the lenders that they never see that the lenders are con artists themselves.

Remember this. In the best scams, the victim actually cons himself out of the money. All you do is set the stage for him to act it out on. Human nature will take over and do the rest for you.

Actually frauds are some of the easiest people to con. They feel so superior to others. They let their guard down. Or rather, they never bother to put their guard up the first place. Suckers waiting to be picked.

That's how you get these people. You lure them out into the open. Then, you do the same as with the turtle.

The names they gave you are all fake. Skip traces are worthless.

The person who picks up the money is called a runner. They pick a person who has absolutely no connection to the con. That way, if anyone grabs the fool up, he can't lead them back to the main players. The pickup guy has almost nothing. No names. No descriptions. Maybe he gets a cell number to call once he has the money.

The phone numbers are all prepaid cells. No names or accounts needed. You can buy them at Wal-mart.

The emails are spoofed. Faked. Untraceable. Or public wifi.

There are hundreds of western union locations available for the fraud to pick up the money. How can you stake out each and every one of them?

The ID used at western union is fake too. All it has to do is fool a clerk.

Good luck tracing the web site. That's another dead end.

But there is a way. You make the frauds come to you.

Once you understand the principals of deception you can con just about anybody. Even con men have needs and desires. What are they? Money? Drugs? Vanity? Self esteem? p***y? The list goes on and on.

If I wanted to catch somebody like this, I'd sit down and come up with a long con. An intricate con. The kind that you never see anymore, because nobody is willing or able to sit down and think them up.

There is a way to draw these people out in the open.

It's just like a snapping turtle, really. Once it pulls into the shell, it's immune from attack. But, once you give it something to grab onto, it'll bite down and hold on. Then, you simply chop its head off.

Frauds work the exact same way. Give them a reason to come out.

It's not easy. An obvious bribe like money will never work. They're much too suspicious for that. Instead, you want to provide details of your life. Show that you have something they want or need. And, make it look like you're a dumb a*s who can be conned out of it.

You need to assess the situation and find their vulnerabilities first. There's a movie called House of Games (1987). Joe Mantegna. It will give you a better idea of what I'm talking about here.

The frauds used a little bit of that in this advance fee con. Let's face it, almost everyone who applies for one of these loans has no intention of actually repaying the money. There might actually be one complete jackass who would consider sending in the payments. But the rest are planning to stiff the loan company. That's why this con works so well. People think that they'll send in $2100 and get $15,000 in return. They are so busy thinking about how they plan to cheat the lenders that they never see that the lenders are con artists themselves.

Remember this. In the best scams, the victim actually cons himself out of the money. All you do is set the stage for him to act it out on. Human nature will take over and do the rest for you.

Actually frauds are some of the easiest people to con. They feel so superior to others. They let their guard down. Or rather, they never bother to put their guard up the first place. Suckers waiting to be picked.

That's how you get these people. You lure them out into the open. Then, you do the same as with the turtle.

The names they gave you are all fake. Skip traces are worthless.

The person who picks up the money is called a runner. They pick a person who has absolutely no connection to the con. That way, if anyone grabs the fool up, he can't lead them back to the main players. The pickup guy has almost nothing. No names. No descriptions. Maybe he gets a cell number to call once he has the money.

The phone numbers are all prepaid cells. No names or accounts needed. You can buy them at Wal-mart.

The emails are spoofed. Faked. Untraceable. Or public wifi.

There are hundreds of western union locations available for the fraud to pick up the money. How can you stake out each and every one of them?

The ID used at western union is fake too. All it has to do is fool a clerk.

Good luck tracing the web site. That's another dead end.

But there is a way. You make the frauds come to you.

Once you understand the principals of deception you can con just about anybody. Even con men have needs and desires. What are they? Money? Drugs? Vanity? Self esteem? p***y? The list goes on and on.

If I wanted to catch somebody like this, I'd sit down and come up with a long con. An intricate con. The kind that you never see anymore, because nobody is willing or able to sit down and think them up.

There is a way to draw these people out in the open.

It's just like a snapping turtle, really. Once it pulls into the shell, it's immune from attack. But, once you give it something to grab onto, it'll bite down and hold on. Then, you simply chop its head off.

Frauds work the exact same way. Give them a reason to come out.

It's not easy. An obvious bribe like money will never work. They're much too suspicious for that. Instead, you want to provide details of your life. Show that you have something they want or need. And, make it look like you're a dumb a*s who can be conned out of it.

You need to assess the situation and find their vulnerabilities first. There's a movie called House of Games (1987). Joe Mantegna. It will give you a better idea of what I'm talking about here.

The frauds used a little bit of that in this advance fee con. Let's face it, almost everyone who applies for one of these loans has no intention of actually repaying the money. There might actually be one complete jackass who would consider sending in the payments. But the rest are planning to stiff the loan company. That's why this con works so well. People think that they'll send in $2100 and get $15,000 in return. They are so busy thinking about how they plan to cheat the lenders that they never see that the lenders are con artists themselves.

Remember this. In the best scams, the victim actually cons himself out of the money. All you do is set the stage for him to act it out on. Human nature will take over and do the rest for you.

Actually frauds are some of the easiest people to con. They feel so superior to others. They let their guard down. Or rather, they never bother to put their guard up the first place. Suckers waiting to be picked.

That's how you get these people. You lure them out into the open. Then, you do the same as with the turtle.

I agree with Lucas that if we all stand together maybe we can do something. I feel very badily for everyone that was scammed. This has also caused us a lot of heart ache and unnecessary stress. This caused us to get behind on many things. I am amazed that Terry White actually admitted this was a scam because the person I spoke with who said his name was Ron but he sounded just like Terry White. I had told him that there was no one at the address that they claimed was there office because I did a skip trace. I also tried to do a skip trace on Terrie Cusack, Terry White and a Stacy Hall but nothing came up. I also tried to do one on Lisa Ridgway the person that they had me send the money to and nothing came up. I know that when they picked up the money at Western Union they had to provide some sort of identification but Western Union had told me that they could not provide me with that info. I wonder if they would provide the FBI with it or if that is even something they would try to find out. Or possibly my local authorities could. Any suggestions. My thoughts are that if we can obtain that info that could led us to them.