Is Tubely a scam site?

I the Personal Loan site Centerlending.com a scam?

• Ok so I have no credit established and I was trying to get a personal loan from my bank and a couple others for a wedding (That failed horribly). So I went to online resources and found this Centerlending.com site. I looked everywhere for reviews even the best scam finder sites and found nothing on it so I applied. 2 days later a got a email saying approved and in the email theres like a card that says Chandler/Davenport Financial Management and gives me a number to call and the womans name and all that to "discuss the terms and conditions of your loan". So I wanted to double check myself and find more information on it and found one review over the whole internet and that oen review said its not a real place so i don't know... I am wondering if anyone knows about this "company" or anything whether or not it is a scam or not. And if so if anyone knows any site thats for sure not a scam? Thanks, Stephen

• Answer:

  100% scam. There is no loan. There is only a scammer trying to steal your hard-earned money. The next email or call will be from another of the scammer's fake names and free email addresses and will demand you pay for made-up fees, in cash, and only by Western Union or moneygram. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever. Now that you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram. You could post up the phone number, email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information. Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash. Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer. 6 "Rules to follow" to avoid most fake jobs: 1) Job asks you to use your personal bank/paypal account and/or open a new one. 2) Job asks you to print/mail/cash a check or money order. 3) Job asks you to use Western Union or moneygram in any capacity. 4) Job asks you to accept packages and re-ship them on to anyone. 5) Job asks you to pay visas, travel fees via Western Union or moneygram. 6) Job asks you to sign up for a credit reporting or identity verification site. Avoiding all jobs that mention any of the above listed 'red flags' and you will miss nearly all fake jobs. Only scammers ask you to do any of the above. No. Exceptions. Ever. For any reason. If you google "fake loan scam", "fraud Western Union loan scam", "advanced fee scam" or something similar you will find hundreds of posts from victims and near-victims of this type of scam.