Ocean has anyone used them

engleby

Wondering if anyone has used ocean when they have been refused by other companies and if so are they okay?

Bob_the_Saver

Put Ocean Finance scam in to Google and make your own mind up.

evanjonesaber

Check these links - more info about Ocean.

http://www.419baiter.com/_scam_emails/009-08/05/scam-email-050903.shtml

http://mystressfreelifestyle.com/identity-theft-scam-ocean-finance-loan-company/

Identity Theft Scam: Ocean Finance - Loan Company

I figured that writing numerous and numerous posts regarding email scams will finally hit the readers that anything that looks like the following email is most likely for identity theft and fraudulent purposes. I won’t get into detail of why this email is dangerous to you and your personal information. Just read all the other email scams, especially from June 2008 to July 2008.
The following is an identity theft scam and may lead to financial loss:
Ocean Finance - Loan Company
(Financial Aid Professionals)
Contact Address:House 30 Great
Pulteney Street London W1F 9LT
United Kingdom.
With 100s of loans we can select the right one just for you whatever your circumstances, self employed, retired, have CCJs or a poor credit rating, we could help.
Are you searching for a very Genuine loan? at an affordable interest rate ?processed within 4 of 6 working days. Have you been turned down constantly by your Banks and other financial institutions? The goodnews is here !!!
We Offer LOANS ranging from $5,000.00 Min. to $10,000,000.00 Max. at 3% interest rate per annun. LOANS for developing business a competitive edge/business expansion. We are certified, trustworthy, reliable, efficient,Fastand dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for five to fifty years maximum.
We offer the following kinds of loans and many more;
* Personal Loans ( Unsecured Loan)
* Business Loans ( Unsecured Loan)
* Consolidation Loan
* Combination Loan
* Home Improvement
Please if you are delighted and interested in our financial offer,Do not hesitate to contact us if in need of our service as you will be required to furnish us with the following details to commence with the process of your loan sum accordingly.
First Name:___________________________
Last Name:____________________________
Gender:_______________________________
Marital status:_______________________
Contact Address:______________________
City/Zip code:________________________
Country:______________________________
Date of Birth:________________________
Amount Needed as Loan:________________
Loan Duration:________________________
Monthly Income/Yearly Income:_________
Occupation:___________________________
Purpose for Loan:_____________________
Phone:________________________________
Fax:__________________________________
!!!NOTE: When you see such a request over email you can be certain it is related to identity theft!!!
In acknowledgment to these details, I will send you a well calculated Terms and Condition which will include the agreement.
Furthermore be informed that you will also need a form of Identification which can be either a Driver’s License or your working Identity card.
‘
Thanks For Your Interest!
Regards
Mr,Ashley Morrison,
London Operations Manager,
Contant Address:House 30 Great
Pulteney Street London W1F 9LT
United Kingdom.
Email: oceanfinance.loancompany08@tmail.tv
oceanfinance.loancompany@web2mail.com
So whenever you see emails such as this one stay away. Consult this blog for more information regarding identity theft and related matters.

engleby

I thought Martin Lewis suggested ocean as a lender on his website details does anyone out there know anything about using ocean or have you used them

jackyroo

A few years ago my partner and I went to Ocean finance (genuine one) for a secured loan. They found a fixed loan for us with First Plus (see other threads). That seemed okay as the repayments were manageable and we asked for a fixed rate. Our surprise came three months into the agreement when First Plus put the rate up.
Contacted them who said they didn't do a fixed rate. Back to Ocean and complained that we had requested a fixed rate pointing to the agreed document we had sent them, most unhelpful saying they could do nothing and ignored the original requirement for the fixed rate.
First plus continued to raise the rate until we sold the house and repaid the loan which was almost the same as we originally took out.
The point is even though we have documented proof we wanted a fixed loan with or through Ocean finance the request was ignored by them and didn't tell us they had arranged a variable rate.
I suppose it is customer beware and read all the fine print.
Before anyone asks I have looked at the paperwork and there is no mention of the loan being at a variable rate.

ruthha_2

Contact the FSA and point this out to them . Good luck.

Ocean finance like the ocean full of SHARKS

Paulgonnabedebtfree

I made an initial enquiry with (genuine) Ocean some years ago. After going through some financial detailsd on the phone, the guy suggested I repay some of my debts first. So i wonder what he thought i wanted the loan for.

AMILLIONDOLLARS

Was refused a loan by Ocean, many moons ago. To this day I thank them with all my heart:D I got a Fix Rate secured loan with Nationwide instead, now happily paid off.

My advice, research FIXED RATE options, you won't regret it, far far better than the variable route.

AMD

engleby

Are there any other loan companies who help people who can't get loans elsewhere

WASHER

engleby wrote: »

Are there any other loan companies who help people who can't get loans elsewhere

Can I please ask you to come over to the Debt Free board and post your SOA, if you are having problems getting a loan, then isn't it the time to take control of your debts rather than trying to consolidate (it rarely works).

Have you had a chance to look at the CCCS website yet? Honestly, you need help to reduce your outgoings and maybe professional advice to tackle your debts - please make that your priority rather than increasing your debts by trying to get a loan, which will probably be secured, do you really want to risk losing your home if you can't meet the repayments in a few months time.

Martin Lewis said "he has never seen a debt problem which cannot be solved", the peeps on the DFW board will help you if you decide to take the first steps by posting your SOA.

engleby

Thank you for your comments we only have 8 years left on mortgage anyway before retirement by consolidating onto mortgage we would be paying out approximately £700 per month less than we are to cc's we have done a personal budget and it is really tight re available cash outgoings almost meet income, both in full time employment don't want to ruin credit rating by going on DMP if can help it have applied for mortgage with existing lender but await a decision and therefore was wondering about other options