Fairbridge Financial Services?

Anybody know anything about this group? Havent seen much of anything on-line about them at all. They have offered me a loan. They have a website, phone number, and address. The website is ok, phone numbers works, but will only connect you if you have the persons extension, which I do have. I am not sure to proceed or not. I am 99.9% sure they already have my social , so I am not sure too much what the risk would be. Has anybody heard of them? Used them? There is little to no information on them on the web from what I have seen.

Anybody that can help, I thank you in advance.

Welcome to Scamwarners overthetop22,

You have given us little to go on.

You will need to post the website, emails with headers and email addresses used. If we determine it is not a scam we will remove this thread.

Domain Name: FAIRBRIDGEFINANCING.COM
Registrar: ENOM, INC.
Whois Server: whois.enom.com
Referral URL: http://www.enom.com
Name Server: DNS1.SUPREMEDNS.COM
Name Server: DNS2.SUPREMEDNS.COM
Status: clientTransferProhibited
Updated Date: 17-may-2014
Creation Date: 17-may-2014
Expiration Date: 17-may-2015

So the domain has been registered for a whopping 3 1/2 weeks.

It is registered for the minimum period of one year, not a sign of someone who plans to stick around.

Registrant Name: WHOIS AGENT
Registrant Organization: WHOIS PRIVACY PROTECTION SERVICE, INC.

So they are hiding their info. There are legitimate reasons for doing this (for example if you are a political site or you cover controversial topics, leading to possible harrassment) but it is not a thing you would expect of a legitimate business that wants customers.

This part is over-the-top too:

Bad Credit Personal Loans

Fairbridge Financial will look at your individual situation and provide clear advice, guidance and assistance to help you take control and where possible obtain the funds you need to get your financial life on the right track with a low interest bad credit personal loan

"Low interest" and "bad credit" are mutually exclusive. Any lender willing to deal with credit risks DOES charge a significantly higher interest rate. Anyone who tries to tell you to the contrary is not credible. Any site that claims to GUARANTEE the lowest interest rate should also be considered suspect.

I find their application form particularly amusing.
--it asks you to enter your social security number and DOB on an insecure page. Can anyone say "major identity theft risk?" Ignoring every other red flag, NO legitimate financial service provider will use an insecure form.
--Lenders get your actual credit score. They don't just ask you whether it is poor, fair, etc.
--You can ask for any kind of loan, up to 100,000 on the same application? There are many specific questions that need to be asked for each type of loan BEFORE you would be approved.

The layout is different, but the wording is remarkably similar to that on http://www.loansaver.com.au/

I think you get the point.

I am trying to post the application forms on here, but having trouble, it is starting to clearly look like a scam to me.

yeah i dont get how to do it, i have it in PDF format, it is what they sent me to get "fully approved" would love to show you guys if it will help.

If you send it to the email address in my signature, I'll see if I can convert it to an image and post it.

The red flags I listed were not the only ones (did I mention that there is no business by that name listed with the state of Virginia either?)

Individually, each red flag would make me concerned. Combined, those red flags are more than enough to tell me not to touch them with a 10 foot pole.

I just recieved a email stating my funding was approved but need to pay my security deposit through Moneypak. Untraceable. Now I am calling and can't get through. Jokes on me

Dotti -- I will send to you now.

and yes impossible to get them via phone. i told them i would be in the area on Thursday & Friday ( I live a little over an hour from Fairfax) and said i would just stop by and do it in person. Havent heard , and its been a few hours now.

I'm sorry, I shouldn't say this...
That document actually made me laugh, in particular the highlighted parts. And yes, it is safe to say it is an advance fee loan scam.

It is not unusual that a borrower would mix up the term used to describe the paying out of a loan It is, however, NOT something that a lender would get wrong!

The "lender" also seems to be confused about where they are located! Last I checked, Virginia and Texas were two different states.

The interest rate? Completely unrealistic for a 6 year personal loan (and typically the maximum term for a personal loan will be 3 or 5 years. The few lenders who allow longer terms will typically only offer them to people with an extremely high credit score.)

For a term that long, someone with a perfect credit score would be lucky to get 7.25%--normal rates from most lenders at the moment range from around 9% to greater than 20%. Someone with a checkered credit history is going to pay much closer to 20%.

yeah Dotti, that is what I figured. and they look like they are new, so wanted to make everyone aware.