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BBB Alert: Scammers use BBB's Name in Fake Loan Scheme

NEWS RELEASE FROM THE BETTER BUSINESS BUREAU

BBB’s Name Used to Entice Consumer to Pay an Advance Fee for a Personal Loan

(4-17-14) Better Business Bureau (BBB) serving Nebraska, South Dakota, The Kansas Plains and Southwest Iowa is warning cash-strapped consumers to beware of online lenders that require advance fees.

“Desperate times are leading people to the Internet to apply for loans and many are falling deeper into debt after getting tangled up with fictitious lenders who have little regard for the law,” said BBB President and CEO Jim Hegarty. “Consumers nationwide continue to be victimized by sophisticated loan scams that demand up-front fees for personal loans that are never delivered.”

An Arkansas City, KS woman, who has a history of searching for loans online, recently received a phone call from United Personal Only. She was informed that “they already had her bank account number on record and she qualified for a $5,000 loan that could be repaid at the rate of $141 per month.” The caller stated that United Personal Only is located in Houston, TX and is “listed with the BBB.”

Then, the consumer was told that she would need to pay $300 in advance to demonstrate that she was able to pay the loan back “because the BBB likes people to show that they can make payments on time.”

As instructed, the woman went to a Walmart and put $300 on a re-loadable pre-paid card called a Green Dot MoneyPak. She thought that she was setting up an account that would be used to transfer her loan payments. She was unfamiliar with how a Green Dot MoneyPak works and did not know that when she gave the caller the numbers on her card, the money could be accessed immediately. Such Green Dot transactions are extremely difficult to trace. Other phony loan companies have used Western Union or MoneyGram to obtain the payments.

After releasing the numbers, the woman was notified that United Personal Only needed more money for “insurance.” That’s when she contacted BBB. Although she closed her bank account, she is receiving numerous loan applications through emails and up to 6 phone calls per day from other online loan companies.

BBB investigators believe that United Personal Only is a fictitious business. It uses the same phone number as another company, United Personal Loans, which also appears to be fictitious. They claim to be located at 10970 West Hammer Road in Houston, but BBB has learned that this address is invalid.

“When setting up this phony company, the scammers probably used the name West Hammer Road because it sounds like Westheimer Road which is an actual street in Houston,” said Hegarty. “The address is meant to sound legitimate, when it is not.

“The bottom line is that it is illegal for companies to promise you a loan and ask you to pay fees in advance,” added Hegarty. “Also, if you are handing over your personal information to get a loan without doing your research, you could be setting yourself up to have your account drained by offshore scammers.”

If looking for a personal loan, BBB has the following advice:

Be wary of applying for online loans through unfamiliar businesses or websites. Many of these online application sites are run by scammers or by people who sell your information to scammers.Understand that requiring fees be paid as a condition of receiving a loan is illegal.Do not do business with anyone who cannot give you an address that you can confirm as legitimate.Read any contract carefully and make sure you understand all requirements before entering into any agreement.Official-looking loan documents and sophisticated looking websites are easy to copy or fake. Just because a business appears legitimate, doesn’t mean it is.Check for a BBB Business Review by going to www.bbb.org or call 800-649-6814.

# # #

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BBB Alert: Scammers use BBB's Name in Fake Loan Scheme

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Fitch Affirms GoldenTree Loan Opportunities VII, Limited at 'AAAsf'

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NEW YORK–(BUSINESS WIRE)–

Fitch Ratings has affirmed the class A notes issued by GoldenTree Loan Opportunities VII, Limited (GoldenTree VII) at ‘AAAsf’. The Rating Outlook remains Stable.

KEY RATING DRIVERS

The rating affirmation on the class A notes is based on the stable performance of the underlying portfolio since the transaction’s closing in May 2013 and the stable credit enhancement available to the notes. As of the March 11, 2014 trustee report, the transaction continues to pass all of its coverage tests and collateral quality tests, and there have been no defaults in the underlying portfolio to date.

The performing loan portfolio par amount plus principal cash is approximately $655.6 million, compared to the effective date target par balance of $650 million, resulting in an increase in credit enhancement for the class A notes. The weighted average spread (WAS) is reported to be 4.67%, relative to a trigger of 4.00% and the weighted average rating factor of the portfolio remains at ‘B/B-’. The trustee reports 0.73% ‘CCC’ assets versus a maximum allowance of 7.5%, based upon Moody’s ratings. Fitch currently considers 9.1% of the portfolio (excluding cash) to be rated in the ‘CCC’ category, decreased from 10.7% at the closing of the transaction, based on Fitch’s Issuer Default Rating (IDR) Equivalency Map. The portfolio is diversified with 121 obligors, and invested in 99.75% senior secured loans and 0.25% second lien loans. Additionally, approximately 89.4% of the portfolio has strong recovery prospects or a Fitch-assigned Recovery Rating of ‘RR2′ or higher.

The Stable Outlook reflects the expectation that the class A note has a sufficient level of credit protection to withstand potential deterioration in the credit quality of the portfolio, based on the results of the Fitch sensitivity analysis described below.

RATING SENSITIVITIES

The rating of the notes may be sensitive to the following: asset defaults, portfolio migration, coverage test breaches, or breach of concentration limitations or portfolio quality covenants. Fitch conducted rating sensitivity analysis on the closing date of GoldenTree VII, incorporating increased levels of defaults and reduced levels of recovery rates, among other sensitivities.

This review was conducted under the framework described in the report ‘Global Rating Criteria for Corporate CDOs’ using the Portfolio Credit Model (PCM) for projecting future default and recovery levels for the underlying portfolio. Given the stable performance of the transaction since closing, Fitch has not updated the cash flow modeling analysis. The WAS has improved since closing, while the weighted average life (WAL) and PCM outputs are in line with the levels at closing. The current portfolio’s ‘AAAsf’ Rating Default Rate (RDR) and Rating Recovery Rate (RRR) outputs from PCM are 54.6% and 39.4%, respectively, versus an RDR of 59.4% and RRR of 36.7% for the indicative portfolio at closing.

Initial Key Rating Drivers and Rating Sensitivity are further described in the New Issue Report published on May 30, 2013. A comparison of the transaction’s Representations, Warranties, and Enforcement Mechanisms (RW&Es) to those of typical RW&Es for that asset class is also available by accessing the reports and links indicated below.

GoldenTree VII is an arbitrage, cash flow collateralized loan obligation (CLO) that closed on May 2, 2013 and is managed by GoldenTree Asset Management LP. The transaction remains in its reinvestment period, which is scheduled to end in April 2017.

Fitch has affirmed the following rating:

GoldenTree Loan Opportunities VII, Limited

–Class A at ‘AAAsf’; Outlook Stable.

Additional information is available at ‘www.fitchratings.com‘.

Applicable Criteria and Related Research:

–’Global Structured Finance Rating Criteria’ (May 24, 2013);

–’Global Rating Criteria for Corporate CDOs’ (Aug. 8, 2013);

–’Counterparty Criteria for Structured Finance and Covered Bonds’ (May 13, 2013);

–’GoldenTree Loan Opportunities VII, Limited/LLC New Issue Report’ (May 30, 2013);

–’GoldenTree Loan Opportunities VII, Limited/LLC Representations and Warranties New Issue Appendix’ (May 20, 2013).

Applicable Criteria and Related Research:

GoldenTree Loan Opportunities VII, Limited/LLC

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=708255

GoldenTree Loan Opportunities VII, Limited/LLC — Appendix

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=708781

Counterparty Criteria for Structured Finance and Covered Bonds

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=707155

Global Rating Criteria for Corporate CDOs

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=715492

Additional Disclosure

Solicitation Status

http://www.fitchratings.com/gws/en/disclosure/solicitation?pr_id=827245

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY’S PUBLIC WEBSITE ‘WWW.FITCHRATINGS.COM‘. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH’S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE ‘CODE OF CONDUCT’ SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.

Security Upgrades & DowngradesFinanceFitch Ratings
Contact:

Fitch Ratings, Inc.

Primary Analyst

Shashi Srikantan, +1-212-908-0353

Director

Fitch Ratings, Inc.

One State Street Plaza

New York, NY 10004

or

Committee Chairperson

Alina Pak, +1-312-368-3184

Senior Director

or

Media Relations

Alyssa Castelli, +1-212-908-0540

alyssa.castelli@fitchratings.com

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Fitch Affirms GoldenTree Loan Opportunities VII, Limited at 'AAAsf'

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First Cash Reports First Quarter Earnings Per Share of $0.78; Core Revenues From Retail Sales and Pawn Fees Increase 20%

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Loan company leaves consumer deeper in debt

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cash loan – Yahoo News Search Results:

NASHVILLE, TN (WSMV) -

They were supposed to guide him out of a tough financial spot, but one man said the company left him hundreds of dollars deeper in debt.

There’s a group that promises to help customers negotiate and get a handle on their debt, but a lot of people say they’re doing the opposite.

Payday loans can trap consumers in a cycle of debt. Greg Ford of Hendersonville was one of those caught.

Ford owed $690 to two cash advance companies. When he heard an ad on the radio for Payday Loan Support, he called.

“We’re going to get you down to zero balance,” Ford said he was told.

He agreed to pay Payday Loan Support, also called Payday Support Center, three monthly payments of $199 each, almost $600 in all.

“I’m thinking ‘this is great because it’s less than what I owe,’” said Ford.

He understood that they would be paying off his loans. But within a few months, he started getting collection notices from the cash advance companies he borrowed from.

“Once we begin court proceedings, it was a shock,” said Ford.

The companies were taking him to court. Payday Loan Support hadn’t paid the case advance places.

Other people said the same thing happened to them. They have complained to the Ripoff Report and the Better Business Bureau.

Channel 4 News contacted Payday Loan Support, which said to email its public relations company, which did not reply.

Consumers are missing the fine print in the company’s documents.

Payday Loan Support said it only validates a consumer’s debt, they don’t consolidate or settle the debt for you.

Ford said that’s not what he was told. He said he was flimflammed.

“It’s just the principal,” said Ford. “These people lied to me. They told me they were going to do a particular thing and they didn’t do it.”

Ford learned an expensive lesson. He’s out the $600 he paid Payday Loan Support and still owes the loan companies $690.

“It stinks to high heaven,” said Ford. “I pray every day, really and truly, that I think about it that God will put this company out of business.”

The loan centers were willing to negotiate with Ford. They said they would have accepted a smaller amount as a settlement. He didn’t have to go to an outside company.

Copyright 2014 WSMV (Meredith Corporation). All rights reserved.

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Loan company leaves consumer deeper in debt

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Fitch Rates GoldenTree Loan Opportunities VIII, Limited/LLC

NEW YORK–(BUSINESS WIRE)–

Fitch Ratings assigns the following ratings to GoldenTree Loan Opportunities VIII Limited/LLC:

— $364,800,000 class A notes ‘AAAsf’; Outlook Stable.

TRANSACTION SUMMARY

GoldenTree Loan Opportunities VIII, Limited (the issuer) and GoldenTree Loan Opportunities VIII, LLC (the co-issuer) together comprise an arbitrage cash flow collateralized loan obligation (CLO) that will be managed by GoldenTree Asset Management LP (GoldenTree). Net proceeds from the issuance of the secured and subordinated notes will be used to purchase a portfolio of approximately $600 million of primarily senior secured leveraged loans. The CLO will have a four-year reinvestment period and a two-year non-call period.

KEY RATING DRIVERS

Sufficient Credit Enhancement: Credit enhancement (CE) of 39.2% for class A notes, in addition to excess spread, is sufficient to protect against portfolio default and recovery rate projections in an ‘AAAsf’ stress scenario. The degree of CE available to class A notes is in line with, though slightly higher than, the average CE of recent CLO issuances.

‘B/B-’ Asset Quality: The average credit quality of the indicative portfolio is ‘B/B-’, which is comparable to recent CLOs. Issuers rated in the ‘B’ rating category denote a highly speculative credit quality; however, in Fitch’s opinion, class A notes are unlikely to be affected by the foreseeable level of defaults. Class A notes are projected to be able to withstand default rates of up to 67.9%.

Strong Recovery Expectations: The indicative portfolio consists of 94.7% first lien senior secured loans. Approximately 91% of the indicative portfolio has either strong recovery prospects or a Fitch-assigned Recovery Rating of ‘RR2′ or higher.

Portfolio Parameters: Most of the concentration limitations and collateral quality test levels are within the range of limits set in the majority of recent CLOs. Fitch addressed the impact of the most prominent risk-presenting concentration allowances in the Fitch stressed portfolio analysis.

RATING SENSITIVITIES

Fitch evaluated the structure’s sensitivity to the potential variability of key model assumptions including decreases in weighted average spread or recovery rates and increases in default rates or correlation. Fitch expects the class A notes to remain investment grade even under the most extreme sensitivity scenarios. Results under these sensitivity scenarios ranged between ‘A+sf’ and ‘AAAsf’ for the class A notes.

Key Rating Drivers and Rating Sensitivities are further described in the accompanying new issue report, which will be available shortly to investors on Fitch’s website at ‘www.fitchratings.com‘.

For more information about Fitch’s comprehensive subscription service FitchResearch, which includes all presale reports, surveillance and credit reports on more than 20 asset classes, contact product sales at +1-212-908-0800 or at ‘webmaster@fitchratings.com‘.

Additional information is available at ‘www.fitchratings.com‘.

The sources of information used to assess these ratings were the transaction documents provided by the arranger, J.P. Morgan Securities LLC, and the public domain.

Applicable Criteria and Related Research:

— ‘Global Structured Finance Rating Criteria’ (May 24, 2013);

— ‘Global Rating Criteria for Corporate CDOs’ (Aug. 8, 2013);

— ‘Criteria for Interest Rate Stresses in Structured Finance Transactions and Covered Bonds’ (Jan. 23, 2014);

— ‘Counterparty Criteria for Structured Finance and Covered Bonds’ (May 13, 2013).

Applicable Criteria and Related Research:

Counterparty Criteria for Structured Finance and Covered Bonds
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=707155

Criteria for Interest Rate Stresses in Structured Finance Transactions and Covered Bonds
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=725537

Global Rating Criteria for Corporate CDOs
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=715492

Global Structured Finance Rating Criteria – Effective 4 August 2011 to 6 June 2012
http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=646569

Additional Disclosure

Solicitation Status
http://www.fitchratings.com/gws/en/disclosure/solicitation?pr_id=827125

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY’S PUBLIC WEBSITE ‘WWW.FITCHRATINGS.COM‘. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH’S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE ‘CODE OF CONDUCT’ SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.

Security Upgrades & DowngradesFinanceFitch Ratings
Contact:

Fitch Ratings, Inc.

Primary Analyst

Robert Rhein, +1-312-606-2314

Director

70 West Madison Street

Chicago, IL 60602

or

Secondary Analyst

Christine Choo, +1-212-908-0603

Director

or

Committee Chairperson

Derek Miller, +1-312-368-2076

Senior Director

or

Media Relations, New York

Alyssa Castelli, +1-212-908-0540

alyssa.castelli@fitchratings.com

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Fitch Rates GoldenTree Loan Opportunities VIII, Limited/LLC

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Payday Loans BBB Now Allows Access to Payday Loans in Under One Hour

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What You Should Know Before Taking A Loan From Your Life Insurance

Aside from the death benefit, one of the great things about permanent life insurance is that it builds cash value. Your policy becomes an asset you own.

As you build cash value in your policy, you can easily access that money via a policy loan to use for an emergency like a house repair you didn’t expect or as a source for funds to pay for an opportunity like college. You can also use those funds to pay premiums on the policy, and if you elect an automatic premium loan option when you purchase the policy, the company will automatically pay any premium that you do not pay in cash with a loan against the policy.

Before taking a policy loan, it’s a good idea to speak with your financial advisor, as there are other ways to access your policy’s cash value that may make more sense for your situation.

Pros and Cons of a Policy or Premium Loan
Taking a loan from a bank can be a lot of work, especially today. You typically have to send W-2s, tax returns and other financial documents to find out whether you’ll even qualify to get money. On the contrary, provided you have the cash value available, policy loans are easy. “You don’t have to go to a bank. All you do is fill out a simple form, and in a couple days you get the money from the insurance company,” said John O’Meara, an advanced planning attorney with Northwestern Mutual.

Repaying a policy loan is easier, too. Unlike most traditional loans, a policy loan does not have a fixed repayment schedule. If you want to make a large payment one month, you can. If you want to pay nothing one month, you can.

The ease of taking and repaying policy loans does not mean that policy loans do not have to be paid back. They do. They can be repaid in cash, or they will be repaid from policy values. That means any loan balance will be repaid with death or surrender benefits, reducing the proceeds paid out on a death claim or if the policy is surrendered. If you pay off the loan, the full benefits of the policy will be restored.

Potential for a Negative Tax Consequence
One of the common misconceptions about policy and premium loans is that you’re borrowing your own money. You’re not. “With a life insurance policy loan, you’re actually going to the insurance company and borrowing money and then using the cash value of your policy as collateral,” O’Meara said. It’s very similar to a home equity loan. “You still own your home; it still has the same fair market value, except your equity is now reduced because you have borrowed money from the bank.”

If you don’t make payments on a policy loan, interest will accrue; and if the interest is not paid, it will be added to your loan balance, increasing the amount you owe. At some point, if you don’t make payments on the principal or interest, the loan balance could become equal to your policy’s cash value. At that point, your policy will lapse, and two things will happen. First, the insurance company will surrender your policy. Second, the company will use the cash proceeds from the surrender to pay off the loan balance. In most such cases, you will not receive any surrender proceeds from the policy.

So what’s the tax consequence? To explain, let’s talk about the first step and assume there is no loan. Let’s say you have a policy with a cash value of $200,000. You paid $90,000 in premiums over the years. If you were to surrender your policy and walk away with the cash value, you would recover the $90,000 you paid in, tax free. The $110,000 gain, however, would be taxed. If you were in a 30 percent tax bracket, that would result in you owing Uncle Sam about $33,000. You would walk away with $167,000 after you paid the tax.

Now let’s add the loan. Say you borrowed $100,000 and never made any repayments. The interest would compound, and in the ensuing years, if you never repaid any of the loan interest and/or principal, your total loan balance would approach the total cash value. Once the total loan balance equaled the cash value, the policy would lapse, and the company would terminate, or surrender, your policy (step 1) and use the proceeds to pay off the loan the company gave to you (step 2).

From a tax perspective, the first step is treated the same whether the money is used to repay the loan balance or taken as cash with no loan involved. You owe $33,000 in income tax. From an income perspective, you owe $33,000 in tax but receive no surrender proceeds from the policy with which to pay the tax.

There is no reason for this result to occur. If you manage your policy or premium loans and take the appropriate steps, you can enjoy the benefits of the loans and avoid the risk of lapse. Here are some tips:

Monitor your loan balance in comparison to your cash value.
Make regular payments on the loan.
Pay the interest on the loan in cash.
If you are unable to repay your loan, talk to your financial advisor or call your insurance company to discuss your options. You may be able to pay down your loan with policy values or dividends.

Policy and premium loans are important benefits of permanent life insurance. As long as these loans are understood and managed properly, they can be an easy and fast source of cash without the risk of unexpected and unwanted tax liability.

The Northwestern MutualVoice Team is a group of professionals who share insights and opinions from experts and industry leaders across the enterprise. Our vision is to inspire others to take action and plan for their financial future through topics ranging from financial planning, retirement planning and distribution strategies, wealth accumulation and preservation, to leadership, philanthropy and innovation.

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What You Should Know Before Taking A Loan From Your Life Insurance

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Fitch Takes Various Rating Actions on KeyCorp Student Loan Trust 2004-A (Group I)

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Fitch Affirms KeyCorp Student Loan Trust 2005-A (Group I) Sr Notes; Upgrades Subs; Outlook Stable

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