Braidwood Capital, Tiffany Funding, Nickel Advisors – and the show goes on…

First things first!

Thank you MIKE for sending me a copy of Braidwood Capital’s new mailer!

I want to thank all my new readers and friends for supporting my efforts to shine a light on the gang (I don’t know if that’s what we call them?) behind Braidwood Capital, Tiffany Funding, Nickel Advisors, and Coral Funding. In my last article, I offered $50 to anybody who would send me any new direct mail with a suspicious offer so I can review it before too much damage was done.

I figured it would help me with my research and make my job a little bit easier. I could not believe how many people responded. But almost every single person told me to keep the $50. I even offered free advertising to one guy but he wouldn’t take it.

I can’t tell you how proud this made me to be an American. Ordinary Americans looking out for one another. For me, writing is a job. I get paid to write. But you people that are writing in are the best!

I just want to show all of you some of the emails I got (no names):

This week both of my young Marine Corps sons have received letters and things from Tiffany Debt Consolidation Funding. It was big promises. So I began to research them. I’m glad I found your information but I am concerned because most of these young “kids” won’t do their due diligence to vet companies like this, but to target our military just infuriates me. I will be happy to share them with you and don’t want anything in return. You are doing great work!

Hey Ed – Thank you!  just got this in mail and I normally toss right away but decided to look this one up.. glad I did and tossed it away.. good info for people to know -Have a good day. Nothing to attach was just saying thanks. It was the the same tiffany funding offer. All get. Thanks again for providing good info

Thanks again for providing good info 

On July 26, July 16, and July 3, I published articles on Tiffany Funding, Nickel Advisors, and Coral Funding. (15 days ago).

Please stay in touch with me. If you don’t have a mailer to send, just drop me a note and let me know my work has helped you out. That’s enough for me. I can’t thank you enough for your help.

If anybody receives a debt relief offer in the mail and they want to know if it legitimate, send an email to:

[email protected]

I will pay $50 for any debt relief offer junk mail that I haven’t seen and ends up being published. So please contact me quickly and beat the rush!

Braidwood Capital is the newest bait and switch trap brought to you by none other than the same devil that brought you Tiffany Funding, Nickel Advisors and Coral Funding and about 50 other debt consolidation and personal loan web sites.

The story is the same. They lure you in by sending you direct mail with a “personalized invitation code” and a low 3%-4% interest rate to consolidate your high-interest credit card debt. You will be directed to BraidwoodCapital.com or mybraidwoodcapital.com. More than likely you will not qualify for one of their debt relief loans and they will try and flip you into a more expensive debt settlement product.

1.0 out of 5.0 stars1.0

“Be Financially Free With Braidwood Capital” – I think I am going to throw up everytime I read one of their slogans.

Braidwood Capital wants you to keep quiet and not email me. They only need you to be quiet for a few weeks until they launch the next website. Don’t let them win!

This is nothing new. Many unscrupulous debt marketing companies have been using this as a business model for years. They lure you in with the low-interest rate, string you along for a week, and then let you know that you don’t qualify for a loan. They then offer you some very expensive alternative debt options.

Is Braidwood Capital Legit or a Scam?

Crixeo awarded Braidwood Capital a 1-star rating (data collected and updated as of July 26, 2020). We hope the information below will help you make an educated decision on whether to do business with Tiffany Funding.

• Braidwood Capital operates two websites, braidwoodcapital.com & mybraidwoodcapital.com.
• Braidwood Capital is part of a collection of almost 50 web sites that we have discovered. All of which are affiliated and listed below.
• Our belief is that Braidwood Capital operates so many different web sites in order to escape the tremendous amount of negative complaints and articles on the internet.
• We advise caution when working with Braidwood Capital. The affiliated web sites have multiple negative reviews and scam complaints.
• Braidwood Capital operates under the sovereign protection of the Mandan, Hidatsa and Arikara Nation (a/k/ MHA Nation), a Native American Tribe.

Who Is Braidwood Capital Affiliated With?

Braidwood Capital may likely be affiliated with the following web sites:

• Tiffany Funding
• Nickel Advisors
• Coral Funding
• Neon Funding
• Cobalt Advisors
• Saxton Associates
• Hornet Partners
• Colony Associates
• First State Associates
• Polk Partners
• Ladder Advisors
• Corey Advisors
• Pennon Partners
• Jayhawk Advisors
• Clay Advisors
• Great Lake Associates
• Pine Advisors
• Alamo Associates
• Punch Associates
• Steele Advisors
• Grand Canyon Advisors
• Glider Lending
• Lucky Marketing
• Golden State Partners
• Pine Advisors
• Derby Advisors
• Graylock Advisors
• Tuck Associates
• Punch Associates
• Keel Associates
• Ballast Associates
• Tweed Lending
• Concourse Lending
• Graphite Funding
• August Funding
• Broadstar Financial
• Salvation Funding
• Stallion Lending
• Pebblestone Financial
• Sussex Funding
• Lafayette Funding
• Guardian Angel Funding
• Bridgeline Funding

Braidwood Capital Reviews and Ratings

Braidwood Capital and its affiliated web sites are not accredited by the BBB and have been the subject of numerous complaints and negative press under different names.

MEC Distribution LLC

At one time, Braidwood Capital and its affiliated web site operated under the name MEC Distribution, LLC. The Better Business Bureau put out its first alert about this enterprise in February 2018:

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and the building management explained that although the rent was paid by MEC Distribution, the office spaces were not used. MEC Distribution LLC provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to that address has been returned as ‘not deliverable as addressed- unable to forward’.  At this time, BBB does not have a physical location for this business.

BBB has confirmed with the North Dakota Department of Financial Institutions that Lafayette Funding is not licensed in North Dakota as a debt settlement firm. Furthermore, BBB has contacted building management at the address Lafayette Funding claims in Bismarck, North Dakota, and learned that Lafayette is not located at that address. BBB advises extreme caution when dealing with this entity.

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and the building management explained that although the rent was paid by MEC Distribution, the office spaces were not used. MEC Distribution LLC provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to that address has been returned as ‘not deliverable as addressed- unable to forward’.  At this time, BBB does not have a physical location for this business.

Braidwood Capital BBB Reviews

You won’t find a BBB file on Braidwood Capital because the complaints haven’t started rolling in yet. However, we examined some complaints from its affiliated web sites:

Cathy M. – 1 Star Review

They have changed their name to Salvation Funding. After seeing this rating I see why. I don’t know how they got my info but they need to he stopped.

Terry W. – 1 Star Review

Beware of bait and switch mailer. Terms are “extremely different” than advertised! It’s a waste of time.

My purpose is to help others realize this is a waste of time! Pebblestone Financial advertising is definitely deceptive in my opinion. After my conversation with Fred, his response was, “we can definitely help… I will call you tomorrow morning with the details…have pen and paper ready to write down the numbers.” The mailer does include in fine print…This notice is not guaranteed if you do not meet select criteria.”

It also further states: “This notice is based on information in your credit report indicating that you meet certain criteria.” In my case, I am not late on any payments, nor will I be. I am current on all outstanding debt and my credit history demonstrates this. When Fred call the next morning…his terms were totally ridiculous and in my opinion “predatory lending”. When I ask Fred… are these the terms of the Pebblestone offer, he replied yes. I replied, I’m not interested in those terms and he hung up the phone immediately without further conversation.

The reason I responded to the Pebblestone Financial offer was to consolidate and simplify with one payment and take advantage of the low pre-approved rate averaging 3.67%. While I’m currently paying between 10.9% and 12.9% to the credit card companies…this offer was attractive. The mailer stated in LARGE BOLD PRINT: You have been pre-approved for a Debt Consolidation Loan with a rate as low as 3.67%. The pre-approved loan amount was actually $11,500 more than my total debt consolidation.

In summary…this is definitely a “Bait and Switch” scheme in my opinion. I checked BBB comments before responding to this offer and did not see negative feedback. Now I’m seeing other very similar responses with the same “Bait and Switch” experience. Hopefully, this will help others avoid the wasted time in discovering these unethical practices of Pebblestone Financial.

The Rent-A-Tribe Scheme

In recent years, hiding behind the protection of a Native American tribe was made popular by internet payday lenders. In July 2018, Charles Hallinan, “the godfather of payday lending” was sentenced to 14 years in prison for issuing payday loans through the Mowachaht/Muchalaht First Nation in British Columbia. In January 2018, Scott Tucker was sentenced to more than 16 years in prison for running a $3.5 billion unlawful internet payday lending enterprise while operating under the “sovereign immunity” of the Modoc Tribe of Oklahoma and the Santee Sioux Tribe of Nebraska.

Why Do We Focus On Braidwood Capital’s Negative Reviews?

We urge you to do your own research and due diligence on any company, especially when dealing with your personal finances. We urge you to pay attention to what you find on the internet. Compare the good vs. the bad and make an educated decision. From our experience, where there is smoke…there is fire. But you make the call.