I was visiting websites seeking a personal loan and filled out information on the first page of this company's website. When I saw in the small print on the next page that there was a fee, I stopped filling out any further information and left the website.

I got an email from them this evening issuing a reciept for a "benefits" information package which would be sent to my address in 3-5 days and charging me 84.95

I did not authorize this charge and when my bank opens in the morning, I will be blocking this charge .

A few weeks ago I recieve this email from an employee at AFS UNSECURED ONLINE. A company associated with UL Services Online: We are happy to inform you that based on the information you provided to us, your request for an unsecured loan in the amount of $10, 000 has been approved through our system. Please fill out the following form so that we may begin to process your loan, the entire process takes between 9-13 days from start to finish.

I know that almost all the information being requested was already provided when you filled out the application on our website, however we need it in the format below as it’s a sacannable form for electronic submission.

The loan is a line of credit, meaning you only pay on what you actually use and the rest is available credit to be used whenever in case you need it; so if you withdraw the maximum of $10, 000 your monthly payment would be $300, if you only use $5000 your monthly payment would be $150 and you will have $5, 000 available credit should you need it in the future. It is very similar to the way a credit card works in that way, whatever your loan amount is your payment will be 3% of the balance (i.e. $30 for $1000, etc.)

This approval is locked in until the August 7th but the sooner we get started the sooner you will receive your funds. If you have to get started after the 7th please check in with me first so I can confirm that guidelines have not changed and that we can still approve you for this amount.

There is no need to print/fax the “paperwork”, simply hit reply and fill out the information in the body of the email.

Please feel free to contact me by phone or email if you have any questions or to get more details regarding your loan, If we don’t pick up please leave a message.

Robert Alanis
Finance Specialist
858 222-3085 office
858 348-3267 fax

The guy in the email asked for a consulting fee of $249.50 that I paid since he guranteed my loan had been approved and I would be funded in 9-13 days. After I paid the fee, my phone calls stopped being returned and I never got the loan. It turned out to be a scam. One of the managers (MIKE) at UL Services thought it would be nice if he got involved and offered me a refund. Here is the email he sent to me:

My name is Mike and I'm the manager at UL Services LLC. I was alerted to the report you filed with the rip off report.com regarding ROBERT SARKIS and AFSUnsecured.com. I can assure you this is an isolated insulted and would like to speak with you first thing in the morning to A) Refund you any monies paid during the course of this process and B) Discuss this matter in detail. I again can assure you that this is not the way our company on top of the goggle rankings conducts itself. Please except my apologies in advance and I will speak to you on Monday morning. Thank you and my sincere apologies for the action of one of our employees.


Mike Tuttle
954-779-6563 Direct

I talked with Mike on the phone and email a few times and just like the first scam, he adopted a new scam. Saying I was going to get a refund so I would hold off on letting the world know his company is nothing but a scam. It's been over a week since I heard from Mike and I still haven't received my refund yet. I would not recommend doing any type of business with this company. They do nothing but collect your hard earned money and disappear in the wind.