I received an email offering a loan, with a decent interest rate, and affordable payments. The email is below. I used my entire pay check to get the money order for their collateral payment. Once they received the money, I was then unable to reach anyone back. I find it very frustrating. I talked to Mike Manning repeatedly ALL DAY SATURDAY getting this together, and as soon as they have my money they are no where to be found!! I have left numerous messages, sent many emails and even called the Police Station in his town. Someone lives at this address, but does not answer. Their office will not give any information. I guess I did not research them well enough in my haste for a loan. I should have known better. Please please please do not believe anyone, even if they seem and sound legit and are oh so willing to help you get the money sent off. Get a contract before you do anything!!

Dear Christie, Thank you for applying for unsecured credit through ULServicesOnline®. We would like to happily inform you that we have successfully negotiated a unsecured loan pre approval in the amount of $12, 000.00. The terms of your loan is 60 months with an annual percentage rate of 11.89% APR. Please note** this is not a payday style loan, your monthly installment payments in the amount of $263.85 will be due on the 1st or the 15th of every month.


**In order to proceed with your loan pre approval you must fax or email us the following information:


1. Valid Identification (e.g. drivers license, passport, or a government issued ID)

2. Proof of Residence (e.g. Utility bill - phone, electric, cable bill etc….)

3. One-time collateral (insurance) loan payment equivalent to your first 3 payments due in the amount of ($791.55) payable via money order only

4. Your loan offer is valid for 14 days from receipt of this email (email is time stamped & HTML coded for security purposes)

5. Once all information above is received, your loan will be processed and funded within 4-5 business days.

6. All negotiated loan offers are simple interest with no pre payment penalty.

7. If you prefer a line of credit over an installment loan, please let us know and we will adjust your loan off to meet your needs.

8. To expedite receiving your loan proceeds, please mail your processing and loan origination fee via U.S. next day express mail.


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ULServicesOnline®

**Fax Number (954) 944-1970

ULServicesOnline® Loan Processing Department

Don’t hesitate to contact us with any questions!

Processing Department: processing@ulservicesonline.com


**Mailing Address:


ULServices L.L.C.

Attention ULServicesOnline® Underwriting Department

1271 Cove Lake Rd.

North Lauderdale, FL. 33068