Salvation Funding, Bismarck, ND

having a small business and a small amount left to pay on my shop I was thinking of jumping on this. Glad I read the reviews. Sounds like these guys want to destroy your credit for profit. They send a letter that looks like a check so you do not throw it out (very clever on their part) with a sweet rate that is lower than my commercial property loan rate. Upon reading the reviews here and other places online this looks like a Chapter 13 type bankruptcy thing where they skim the interest and more from your payments after they negotiate with your card companies thus killing your credit. No thanks, please remove me from your mailing list as I find it sad that trees are sacrificed in order for you to promote your scam.

Salvation Funding seems like a scam. My elderly mother signed up with then and was lead to believe it was a loan. She made payments of $529.60 for 6 months and no creditors were paid. She finally decided to seek legal advise instead to file bankruptcy. She called Salvation Funding to cancel the payments to them and end the program. It was very difficult because they kept trying to tell her that they could lower the monthly payments, defer the monthly payments etc. She finally convinced them that she was not interested and wanted them to return the payments she had made. She ask them what the refund would be and after about 9 calls to them, none of which they returned, she finally spoke to 3 different representatives and was given all different amounts and then she finally received a refund of $35.52. They kept $3138.48 and not paid a penny to any of her creditors but kept it for themselves. I feel Salvation Funding scammed my mother who is 80 years old by taking part of her social security money every month (which is all that she has) and not advising her that all she had to do was contact her creditors and let them know her situation and that would have been that instead Salvation Funding took her money let her credit go bad and never paid a cent to anyone except themselves. SHAME ON YOU SALVATION FUNDING!

Total scam. They sent me a "pre-approval letter". As opposed to calling, I submitted the online form, which was quick and easy. I received an auto responder email saying someone will call me in 2-3 days. 2 days later, I got a call from Patrick. Wanted to discuss everything. Go over the information I submitted for verification purposes. I told him my debt about, income etc. He said he’d run some numbers and get back to me after the underwriters checked out my information. An hour later he called me back with great news. I was approved! Except not for the loan I was pre-approved for. He told me they want me to stop making payments to my creditor and pay them instead. I told them that would destroy my credit. I could almost hear him flipping the pages of the instruction manual of possible responses to answers like mine (lol). Then said they are going to work with lawyers and reach out to my creditors. I told them no. I told him I want what I was offered in the pre-approval letter. Then there was silence. He then told me my money He said if I decided to get serious I should call him back.

Uninformed people, some are rude. They sent me a "pre approval letter". I called, because the amount and rate were attractive. I spoke with two people. The first, an intake operator, was nice but totally uninformed. She asked a few questions and said someone would call me. The next day I got a call. The guy was rude and uninformed. First he told me that if I borrowed to pay off balances, I'd have to shut down all my credit cards. Not helpful. Then he said why would I not just pay everything off. I told him 3% money was attractive. He told me my money was free....really? I started explaining our situation and he just kept talking over me. So I asked what kind of programs were available. He said he couldn't say until I gave him my social and did a credit pull. I told him I wouldn't do that until he gave me a sense of what programs: Life of loan, range of interest rates. He said if I decided to get serious I should call him back. I guess they don't want to lend to a good credit. I won't waste a credit inquiry on people like that.

I keep getting their "pre-approval" letters about every 3-4 days. At first I was interested- I want to get out of the high interest credit card trap. Then I looked up the company online. All ratings- except 2, which were obviously fake reviews- were low with people who had actually contacted the company and found out it was a scam. ALWAYS research things before you sign up!!

having a small business and a small amount left to pay on my shop I was thinking of jumping on this. Glad I read the reviews. Sounds like these guys want to destroy your credit for profit. They send a letter that looks like a check so you do not throw it out (very clever on their part) with a sweet rate that is lower than my commercial property loan rate. Upon reading the reviews here and other places online this looks like a Chapter 13 type bankruptcy thing where they skim the interest and more from your payments after they negotiate with your card companies thus killing your credit. No thanks, please remove me from your mailing list as I find it sad that trees are sacrificed in order for you to promote your scam.

Total scam. They sent me a "pre-approval letter". As opposed to calling, I submitted the online form, which was quick and easy. I received an auto responder email saying someone will call me in 2-3 days. 2 days later, I got a call from Patrick. Wanted to discuss everything. Go over the information I submitted for verification purposes. I told him my debt about, income etc. He said he’d run some numbers and get back to me after the underwriters checked out my information. An hour later he called me back with great news. I was approved! Except not for the loan I was pre-approved for. He told me they want me to stop making payments to my creditor and pay them instead. I told them that would destroy my credit. I could almost hear him flipping the pages of the instruction manual of possible responses to answers like mine (lol). Then said they are going to work with lawyers and reach out to my creditors. I told them no. I told him I want what I was offered in the pre-approval letter. Then there was silence. He then told me my money He said if I decided to get serious I should call him back.

Uninformed people, some are rude. They sent me a "pre approval letter". I called, because the amount and rate were attractive. I spoke with two people. The first, an intake operator, was nice but totally uninformed. She asked a few questions and said someone would call me. The next day I got a call. The guy was rude and uninformed. First he told me that if I borrowed to pay off balances, I'd have to shut down all my credit cards. Not helpful. Then he said why would I not just pay everything off. I told him 3% money was attractive. He told me my money was free....really? I started explaining our situation and he just kept talking over me. So I asked what kind of programs were available. He said he couldn't say until I gave him my social and did a credit pull. I told him I wouldn't do that until he gave me a sense of what programs: Life of loan, range of interest rates. He said if I decided to get serious I should call him back. I guess they don't want to lend to a good credit. I won't waste a credit inquiry on people like that.