"Real" business' DO NOT use gmail. A free, web based, email service. Please remember that it is ILLEGAL in the USA to ask for an advance fee to obtain a loan. Please also remember that NO real business uses a wire transfer as a means of business. That would be Western Union, MoneyPak, MoneyGram, GreenDot, Vanilla card, etc. NEVER uses these services to send money to someone you do not personally know.

Finance and Mortgages, a legitimate, reputable Charity Organization. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance and we will be glad to offer you a loan. Services Rendered include; *Refinance *Home Improvement *Investment Loan *Auto Loans *Debt Consolidation *Business Loans *Personal Loans *International Loans. DO contact us via;isaloanfirm@gmail.com

Since my curiosity was aroused on this, I went and found and read that press release from a couple of weeks ago announcing that Admeris, Inc (AKA Admeris Payment Systems) had now become SALT Technology Inc. It certainly struck me as being glowing - almost, one might say, rapturous!

Then I went and read in full that quoted June 6, 2012, Glassdoor review of Admeris (now SALT Technology Inc) contributed by a 'Former Senior Software Engineer in Toronto, ON (Canada)' which was headed: ?Very disorganized, lacks leadership and good management.? He goes on to say there in his full review of Admeris that 'The management is haphazard at best. It is highly disorganized and unprofessional." - http://www.glassdoor.com/Reviews/Admeris-Reviews-E474361.htm

After comparing the press release on Admeris, Inc becoming SALT Technology Inc. with the comments in this Glassdoor review on Admeris, I'm reminded of why I always take press releases with more than a grain of salt!

(This is the latest post in a parallel thread on 'Admeris Inc' or 'Admeris Payment Systems Inc', which has now apparently changed its name to 'SALT Technology Inc.', and 'Conquest Financial Services' found at http://800notes.com/Phone.aspx/1-647-430-9434/2 )

"Admeris Review; Now SALT Technology Inc? replies to More Admeris, Inc & SALT Technology Inc? - Following that recent December, 2012, SALT Technology Inc. press release on Marketwire which announced that Admeris, Inc (or 'Admeris Payment Systems Inc') has now changed its name to 'SALT Technology Inc.,' I thought that this online review of Admeris might prove of interest (it's not my review, by the way, but appears to have been written by someone who actually worked at Admeris):

Review of Admeris: ?Very disorganized, lacks leadership and good management.?
- Former Senior Software Engineer in Toronto, ON (Canada) ? Reviewed Jun 6, 2012
See his full review at http://www.glassdoor.com/Reviews/Admeris-Reviews-E474361.htm

Rating for Admeris on Glassdoor.Com is: Employees are ?Very Dissatisfied? based on 1 rating
See http://www.glassdoor.com/Overview/Working-at-Admeris-EI_IE474361.11,18.htm

('Admeris, Inc' or 'Admeris Payment Systems Inc' has now changed its name to 'SALT Technology Inc.' according to a recent Salt Technology Inc. press release and has reportedly moved its 'global headquarters' to a low-rise building on a short side street at SALT Technology Inc., 89 De Boom Street, San Francisco CA 94107; a brewery takes up a large part of the rest of this small street. SALT Technology Inc. has also reportedly acquired a separate SALT Technology Inc. Toronto office now at 56 The Esplanade, Suite 220, Toronto, ON M5E 1Z4.)

You can find previous postings on Admeris Payment Systems and Conquest Financial Services on Page 1 of this thread at http://800notes.com/Phone.aspx/1-647-430-9434 "

The Toronto office address for SALT Technology Inc. (the re-branded 'Admeris Payment Systems' or 'Admeris Inc.') is apparently at 56 The Esplanade, Suite 220, Toronto, ON M5E 1Z4, Canada. They don't appear to be at Admeris Payment System's previously-listed address at 326 Adelaide Street West, Toronto, ON M5V 1R3, Canada. although that address is still currently shown on the web as the location of Admeris Payment Systems Inc. in Toronto. The 56 The Esplanade, Suite 220, Toronto, ON M5E 1Z4, Canada address is apparently their SALT Technology Inc. Toronto location - SALT Technology Inc.'s new  'global headquarters', as noted in another post here, is in a low rise on a small side street at 89 De Boom Street, San Francisco CA 94107. So do they have both a different name AND a different address now, or are they actually now using both of the 'Admeris, Inc' and 'SALT Technology Inc.' business names and both of these Toronto addresses?

Interesting. According to its website, Salt Techology Inc.is located at 89 De Boom Street, San Francisco CA 94107. That's a low-rise building on a short side street which also has a brewery on it. So it looks as though the 'global headquarters' of the re-branded Admeris Inc., which is what Salt Techology Inc. is reported to be, will be at 89 De Boom Street, San Francisco, while the Toronto office will still remain at the previous Admeris Payment Systems and Conquest Financial Services location at 326 Adelaide Street West in downtown Toronto, Canada?

The assumption that 'Admeris, Inc.' in the Salt Techology Inc. press release announcing this re-branding refers to 'Admeris Payment Systems' would also appear to be correct since the web site link for 'Admeris, Inc.' provided in the Salt Techology Inc. press release leads directly to the Admeris Payment Systems web site.

Well, 'Admeris, Inc.' (now reportedly 're-branded' as 'SALT Technology Inc.'), mentioned in the RipOff Report allegation below along with Conquest Financial Services, may have found it expedient or necessary to change its name to 'SALT Technology Inc.' and to re-locate its head office for a number of reasons.

I don't know whether any of the allegations below  are true or not and I'm not making any express or implied allegations myself here. You are free to form your own opinion on this.

The 'Jeremy Murray' named below as 'Vice President of Sales for Conquest Financial Services' now apparently describes himself in an online business profile as being 'Jeremy Murray, VP Merchant Services for SALT Technology Inc.,' which appears to be the re-branded 'successor' to Admeris Payment Systems, according to numerous recent media reports based on a December, 2012, SALT Technology Inc., press release to that effect.

"RipOff Report: #697975

Complaint Review: Conquest Financial Services, Admeris Payment Systems & Jeremy Murray- SCAMS and FRAUD

Submitted: Monday, February 21, 2011
Posted: Monday, February 21, 2011
Reported By: We Are Watching You ? TORONTO Ontario Canada

'Conquest Financial Services, Admeris Payment Systems & Jeremy Murray- SCAMS and FRAUD Michael Shvartsman SCAMMING COMPANIES TO, ANYTHING TO GET THEIR HANDS ON INNOCENT PEOPLES CREDIT CARD INFORMATION Internet'http://www.ripoffreport.com/credit-card-processing-companies/conquest-financial-s/conquest-financial-services-a-47dff.htm

The filer of this report on Conquest Financial Services and Admeris Payment Systems, from Toronto, then went on to write:

"We all know already about the SCAMS by Conquest Financial Services, well they have added another Company to their List  Admeris Payment Systems, The Contact for Admeris, just happens to be The Vice President of Sales for Conquest Financial Services, None other than our famous MR JEREMY MURRAY. jmurray@admeris.com

...Since being scammed by Conquest Financial Services, there is a group of individuals that are going to track all these Companies and report all findings as Scams and Frauds. All the information, will be iinformation that is found readily available on the Internet and not lies or unfounded inuendo. If you do business with Conquest Financial Services, Admeris Payment Systems, Xtreme Mobility or whatever other business identity they claim to be, your name will most likely show up on Rippoff Report."
http://www.ripoffreport.com/credit-card-processing-companies/conquest-financial-s/conquest-financial-services-a-47dff.htm

Here is a list of the RipOffreport.Com reports on 'Jeremy Murray' and 'Conquest Financial', which appears to be (or have been) owned by Michael Shvartsman, who has been also referred to in at least one past media story as 'Michael Shvartsman, Admeris? managing director': http://www.ripoffreport.com/directory/Conquest-Financial-Services.aspx

(Admeris Payment Systems is the business that has now, apparently, become SALT Technology Inc. - there is also currently an online business listing for 'Michael Shvartsman at Admeris Payment Systems Netherlands Antilles' and a January 18, 2012, online Nevada 'domestic corporation' report for Admeris Payment Systems which also names 'Michael Shvartsman' as one of its principals)

'Admeris Payment Systems', now appears to have be been renamed 'SALT Technology Inc.,'.and 'Jeremy Murray', who appears to feature in the allegations in a number of RipOff Reports and who was apparently 'VP of Business Acquisition and Development'; for Admeris Payment Systems and 'Vice President Sales at Conquest Financial Services' is now reportedly 'Jeremy Murray, VP Merchant Services at SALT Technology, Inc.':

Admeris becomes Salt Technology Inc? - "I saw in a recent Marketwire press release that Admeris Payment Systems (which appeared to share Toronto premises and some management with alleged scammers Conquest Financial Services) has now changed its name to SALT Technology, Inc. and moved its headquarters to San Francisco, CA. However, "SALT Technology, Inc. will continue to operate certain functions out of its Toronto, Canada and London, U.K. offices." I would assume that the Jeremy Murray and Michael Shvartsman named in the comments above are still involved in this company? Why the sudden need for a name change from 'Admeris Payment Systems' to 'SALT Technology, Inc.,' I wonder." - Recent post on Admeris Payment Systems, Michael Shvartsman, Jeremy Murray, Salt Technology Inc., and Conquest Financial Services, found at http://800notes.com/Phone.aspx/1-647-430-9434/2  

Jeremy Murray at SALT Technology Inc? - "That assumption about Jeremy Murray, Admeris Payment Systems and SALT Technology Inc appears to be correct. Jeremy Murray, who was apparently 'VP of Business Acquisition and Development'; for Admeris Payment Systems and 'Vice President Sales at Conquest Financial Services' is now listed on his online business profile as being 'VP Merchant Services at SALT Technology, Inc.' You can draw your own conclusions from that.  'Michael Shvartsman' is listed as 'Owner, Conquest Financial Services' but has been referred to previously, I seem to recollect, as 'Managing Director, Admeris Payment Systems'." - Another recent post on Admeris Payment Systems, Michael Shvartsman, Jeremy Murray, Salt Technology Inc., and Conquest Financial Services, found at http://whocallsme.com/Phone-Number.aspx/5143152935/2

Well, this certainly seems to add to the suspicions over these alleged 'scammers', Conquest Financial Services in Toronto, Canada.

If they are in fact 'dissolved', why are they still listed on their web site as still operating from a business address on Adelaide Street West, in Toronto, Ontario?

And why is 'Mark Shvartsman' the person named on that 'dissolution' notice when the owner, as you can see from the comments and links on this thread, is or was a 'Michael Shvartsman'?

In researching them on Google, it seems (and I may be mistaken in my interpretaion of this) that they may have now taken to referring to themselves as 'Conquest Merchant Services' because of the 'scam' allegation links which come up under 'Conquest Financial Services'. But they are obviously still in business.

I'm highly sceptical of this "recommendation" after seeing all of the other 'scam', 'scammers' and 'scam artists' complaints about Conquest Financial Services, Canada, on this thread!

And the email address you gave for them isn't even accurate for their Canadian operation, which ends in '.ca' not '.com'!

Conquest Financial Services Dissoled see linkhttps://www.ic.gc.ca/app/scr/cc/CorporationsCanada/fd ... &crpNm=conquest financial services&crpNmbr=&bsNmbr=

Hi tomato,

I can say that I received the exact same fax, however, it was an opportunity I was actually investigating as the bank was taking wayyy too long for financing our renovations. Instead of wanting to be removed from the list, I wanted to learn more about the product and service.

This funding alternative is directly responsible for my new bar location, and patio furniture, which in turn increased sales for me in the short and long run.

Maybe this is not for everyone, however, through dealing this organization, I found their sales people informative and to the point, their admin team on the ball at all times (even once at like 11pm) and I would highly recommend them and have recommended them already to buddies of mine.

Not to mention, I just tested sending an email to removemynumber@conquest-financial.com and got a response about 3 minutes later stating the the FAKE FAX NUMBER I GAVE THEM was NOT IN THEIR SYSTEM and if I wished to correct the number please feel free to instant removal.

Yours truly,
Robert

That's an interesting question: Will Conquest Financial Services, alleged 'scammers', be involved with SelectCore Ltd's Toronto pre-paid 'welfare card' or 'Toronto City Service Benefit Card' proposal?

After reading about SelectCore Ltd's February 2012 acquisition of the assets of Conquest Financial Services, the alleged 'scammers', I wondered why SelectCore Ltd, which has reportedly submitted a proposal for a prepaid Toronto 'welfare card' or 'Toronto City Service Benefit Card', would want to have anything to do with alleged 'scammers' Conquest Financial Services.

Now I am not making any express or implied allegations of any kind myself against Conquest Financial Services, Michael Shvartsman,  SelectCore Ltd or anybody else named in this posting; I'm just passing on the results of my own research for your information and consideration.

I read the online posting quote concerning SelectCore Ltd which claimed that "Once the welfare prepaid card is issued by the company it is expected that they will further eat away at payday company revenues by offering microcredit payday loans that can be loaded directly to the card..."

That reference to "payday loans" took my mind right back to the ScamInformer.Com allegations headed 'Fraud and Organized Crime' at http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html which allege: "How is it that people suspected of having ties to Organized Crime are able to start up a Business that is involved with the collection of Credit Card Transactions and Money Lending. The Shvartsman Family from Toronto Ontario, Klara, Michael and Gerald, owners of the long deceased million dollar nightclub in the West Edmonton Mall known as KAOS, were accused of having ties to the Russian Mafia by the Edmonton Police Services. This action along with the police warning people to not go to this nightclub for safety reasons resulted in the Shvartsman?s closing the bar in the late 1990?s. Law Suits followed and The Shvartsman family left Edmonton, to return to Toronto and also set up roots in Boynton Beach Florida...In Florida, Klara Shvartsman started up another nightclub known as The Grand. It to was short lived, after approximately 4 months the bar was closed by the police and the city of Boynton Beach...After all the Florida businesses were set up, some active, some not, Michael Shvatsman returned to Toronto to start a Business there called Conquest Financial Services, it was claimed to have an American office at 3370 190 St unit 3815, which has recently been changed to 3825 NW 135 st. OpaLoca Florida 33054. After researching this address, it seems to be a warehouse. Conquest Financial is a business like Vision Payment Solutions and it lends money to small businesses that cannot obtain a loan from a bank. It was also in the business of leasing POS Terminals. A portion of the credit card sales was the method of payment for the small business owner to repay his loan, along with a healthy fee charged to them. This business according to the Vice President of sales Jeremy Murray (Suspicious person) had thousands of clients. Conquest Financial in Toronto is located at 326 Adelaide Rd or St w unit 400. Also located at this address are three other companies, all of which have to do with Credit Card purchases in one way or another. Company 2 is Xtreme Mobility and advertises as having an American Address which is 3370 190 th st unit 3815 Aventura Florida. The phone number advertised for the American address is 408-368-4381 which happens to be a cell number T-Mobile in Sunnyvale California postal code 94086 registered to Jimmy Law, and coincidentally, Simon Law is the owner and CEO of Xtreme Mobility. Now, Xtreme Mobility also advertises that it is partners with Admeris Payment Systems also at 326 Adelaide unit 400 in Toronto, and is Company 3. Next is company 4 known as Optimus Capital Corporation. Until within the last month they to advertise they are at 326 Adelaide St, and, 4006 ST. Catherine W. Westmount Quebec H3Z 1P2. When researched, this address seems to be a Restaurant called Cote St Luc Bbq, how weird is that. This ends the circle of companies.
JUDGE FOR YOUSELF ON THE VALIDITY OF THIS COMPANY
?CONQUEST FINANCIAL SERVICES?"
http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html"

"Money Lending"? "Organized Crime"? "Russian Mafia"?

Those ScamInformer.Com allegations then took my mind back again to the question asked in another online posting on Conquest Financial Services: "Might not this Wikipedia information have a bearing if the Russian Mafia and Money Lending allegations included among the ScamInformer.Com 'Fraud and Organized Crime' allegations referred to ("Fraud and Organized Crime How is it that people suspected of having ties to Organized Crime" at http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html) have any foundation in fact? I don't know. I'm just asking."

In the "Loan shark" article in Wikipedia (en.wikipedia.org/wiki/Loan_shark) which is referred to above, it states : "In its early phase, a large fraction of mob loansharking consisted of payday lending...Over time, mob loan sharks moved away from such labor intensive rackets. By the 1960s, the preferred clientele was small and medium sized businesses. Business customers had the advantage of possessing assets that could be seized in case of default, or used to engage in fraud or to launder money."

Conquest Financial Services apparently offer 'Merchant Funding', 'Merchant Cash Advances', or 'Credit Card Receivables Factoring'. It has apparently been claimed concerning Selectcore Ltd that "Once the welfare prepaid card is issued by the company it is expected that they will further eat away at payday company revenues by offering microcredit payday loans that can be loaded directly to the card..." I'm not making any express or implied allegations of any kind here, but that might be considered by some to be 'across-the-spectrum' money-lending, if true.

So I thought I'd check out SelectCore Ltd on RipOffReports.Com.

I found the 'breach of contract' allegations below about SelectCore Ltd. on Ripoffreport.com at http://www.ripoffreport.com/utility-companies/selectcore-ltd-canad/selectcore-ltd-canada-keith-m-a8147.htm (PLEASE NOTE: whether these 'breach of contract' allegations are true or not I do not know):

"RipOffReport.com Report: #800870

Complaint Review: Selectcore Ltd. Canada

   Submitted: Tuesday, November 22, 2011
   Posted: Sunday, July 08, 2012
   Reported By: Michael ? Prattville Alabama USA

Selectcore Ltd. Canada
1600 Steeles Ave. West Suite 318 Toronto Ontario L4K 4M2 United States of America

   Phone: 1 (866) 464-0343
   Web: www.selectcore.com
   Category: Utility Companies

Selectcore Ltd. Canada Keith Mckenzie & Ryan Deslippe BREACH OF CONTRACT Toronto, Ontario

This was clearly a Breach of Contract, Business Joint Venture Agreement Pursuant to the laws of the Province of Ontario, Canada. Selectcore Ltd. is a Public Traded Company, refused to perform as promised and prevented me and my company from full filling obligations. This was a legally binding agreement sealed contract that was valid with attorneys and witness testimonies. I performed as agreed, kept up my end of the deal, they left contractual obligations unfulfilled and performed in an unsatisfactory manner causing great loss and sacrifice."
http://www.ripoffreport.com/utility-companies/selectcore-ltd-canad/selectcore-ltd-canada-keith-m-a8147.htm

See also: "selectcore-ltd | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Company Directory | selectcore-ltd" at http://www.ripoffreport.com/directory/selectcore-ltd.aspx

Essentially the same Selectcore Ltd allegations appear, posted at an earlier date and giving a Chatham Ontario address for Selectcore Ltd, on ComplaintsBoard.Com:

"Selectcore Ltd, Chatham, Ontario Complaints & Reviews - Breach Of Contact
Review all Selectcore Ltd, Chatham, Ontario complaints
Selectcore Ltd
Posted: 2011-11-22 by           Michael S. Moore     
    
Breach Of Contact
Complaint Rating: 100 % with 19 votes
Company information:
Selectcore Ltd
14 Williams St. North
Chatham, Ontario
Canada
Phone: (519) 562-5173
selectcore.com
    
Breach of Contract-
Business Joint Venture Agreement Pursuant to the laws of the Province of Ontario. They are a Public Traded Company on TSX refused to perform as promised and prevented me and my company from fulling obligations. This was a legally binding agreement contract that was valid with witness testimonies. I performed as agreed, kept up my end of the deal, they left contractual obligations unfulfilled and performed in an unsatisfactory manner causing great loss and sacrifice.."
http://www.complaintsboard.com/complaints/selectcore-ltd-chatham-ontario-c567068.html

And the same Selectcore Ltd allegations can be found also at ComplaintsNow.Com:

"Complaints Home > Selectcore Ltd. (Payment Processing) > Breach of Contract
by MikeMoore77 on Nov 22, 2011

Breach of Contract

Keith M. & Ryan D.- Breach Contract. This was a business joint venture agreement pursuant to the laws of the Province of Ontario. Selectcore is a public traded company on TSX refused to perform as promised and prevented me and my company from fulling obligations. This was a legally binding agreement contract that was valid with witness testimonies. I performed as agreed, kept up my end of the deal, they left contractual obligations unfulfilled and performed in an unsatisfactory manner causing great loss and sacrifice."
http://www.complaintnow.com/Selectcore-Ltd.-:-Breach-of-Contract-/complaint/complaints/message/show/158561/0/177057/0

and also at:

http://www.getpayback.com/point-of-sale-systems-pos/selectcore-keith-mckenzie-ryan-deslippe/

Again, whether these 'breach of contract' allegations concerning SelectCore Ltd are true or not I don't know.

But I'm finding it either disconcerting or significant, I'm not sure which, that Conquest Financial Services, Michael Shvartsman and SelectCore Ltd are all mentioned in RipOffreport allegations posted on RipOffreports.Com.

Perhaps there may be good reason for the worried SelectCore Ltd investor quoted below to be asking this question about SelectCore Ltd's acquisition of Conquest Financial Services?

"Conquest Financial Services - SelectCore Ltd. - SCG
Conquest Financial Services
hopper_12
2/11/2012 7:53:36 PM | No Recommendation | 350 reads  | Post #30658675
Did a little digging on the internet regarding Conquest Financial Services. Their Web sites alright, but there are alot of links on google like Conquest Financial Services fraud or Conquest Financial Services scam.
Does anyone know much about conquest?
I own alot of SCG shares and I hope this was a good move."
http://www.stockhouse.com/bullboards/MessageD ... =0&s=SCG&t=LIST

...And perhaps, while again without making any express or implied allegations of any kind myself, the City of Toronto ought now to be worried, too?
http://www.toronto.ca/legdocs/mmis/2011/bd/bgrd/backgroundfile-42776.pdf

Let me make this plain again: I'm not making any allegations of any kind myself here, whether express or implied, about any company or individual. These are just my own research results, thoughts and questions. You're as free to form your own opinion of all of this as I am.

Is there a Conquest Financial Services (featured in RipOffReports.com 'scam' allegations) connection to the SelectCore Ltd. Toronto 'welfare card' (or Toronto 'City Service Benefits card') proposal?

Let me be clear that I am not making any allegations of any kind about any individuals or any companies named in this posting.

But I do have some questions.

According to a press release I saw on the net, SelectCore Ltd of Toronto (CVE:SCG) agreed in February of this year to acquire the assets of Conquest Financial Services, alleged 'scammers'.

Selectcore Ltd. is listed on the Toronto junior venture exchange.

It appears (if I understand the press release correctly) that Michael Shvartsman, as the reported owner of Conquest Financial Services (which is mentioned in numerous RipoffReports at RipoffReports.Com), will receive or has received a substantial shareholding in SelectCore Ltd as a result.

Michael Shvartsman was also mentioned in the ScamInformer 'Fraud and Organized Crime' allegations at http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html  

Conquest Financial Services still appears to continue operating from the 326 Adelaide Street West, Toronto, ON M5V 1R3 address.

Admeris Payment Systems, of which Michael Shvartsman is the reported Managing Director, also apparently operates from this address.

RipoffReport allegations on Conquest Financial Services can be found at:
"Conquest-Financial-Services | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Company Directory | Conquest-Financial-Services"
http://www.ripoffreport.com/directory/Conquest-Financial-Services.aspx

Michael Shvartsman and Admeris Payment Systems are also mentioned in the RipOffReport.Com allegations below, found at
http://www.ripoffreport.com/credit-card-processing-companies/conquest-financial-s/conquest-financial-services-a-47dff.htm

"Report: #697975

Complaint Review: Conquest Financial Services, Admeris Payment Systems & Jeremy Murray- SCAMS and FRAUD

   Submitted: Monday, February 21, 2011
   Posted: Monday, February 21, 2011
   Reported By: We Are Watching You ? TORONTO Ontario Canada

Conquest Financial Services, Admeris Payment Systems & Jeremy Murray- SCAMS and FRAUD
326 Adelaide St W unit $00 Internet M5V 1R3 United States of America

   Phone: 866-854-9851
   Web: www.admeris.com
   Category: Credit Card Processing Companies

Conquest Financial Services, Admeris Payment Systems & Jeremy Murray- SCAMS and FRAUD Michael Shvartsman SCAMMING COMPANIES TO, ANYTHING TO GET THEIR HANDS ON INNOCENT PEOPLES CREDIT CARD INFORMATION Internet

We all know already about the SCAMS by Conquest Financial Services, well they have added another Company to their List  Admeris Payment Systems, The Contact for Admeris, just happens to be The Vice President of Sales for Conquest Financial Services, None other than our famous MR JEREMY MURRAY. jmurray@admeris.com...Since being scammed by Conquest Financial Services, there is a group of individuals that are going to track all these Companies and report all findings as Scams and Frauds. All the information, will be iinformation that is found readily available on the Internet and not lies or unfounded inuendo. If you do business with Conquest Financial Services, Admeris Payment Systems, Xtreme Mobility or whatever other business identity they claim to be, your name will most likely show up on Rippoff Report."
http://www.ripoffreport.com/credit-card-processing-companies/conquest-financial-s/conquest-financial-services-a-47dff.htm

(I don't know whether any of these allegations mentioning Conquest Financial Services, Jeremy Murray, Admeris Payment Systems and Michael Shvartsman are true or not)

SelectCore Ltd appears, as I understand it, to have submitted a proposal to the City of Toronto regarding the introduction of prepaid Toronto 'welfare' cards (or Toronto 'City Service Benefit Cards').

See http://www.toronto.ca/legdocs/mmis/2011/bd/bgrd/backgroundfile-42776.pdf

SelectCore Ltd's proposal reportedly, according to another online posting, features Mastercard-based pre-paid Toronto 'welfare' cards (or Toronto 'City Service Benefit Cards').

Apparently, hundreds of millions of dollars would be loaded onto and processed through these cards.

the same online posting claims that "Once the welfare prepaid card is issued by the company it is expected that they will further eat away at payday company revenues by offering microcredit payday loans that can be loaded directly to the card..."

"Microcredit payday loans" on a City of Toronto 'welfare' card?

I'm wondering if Conquest Financial Services, with all of the 'scam' allegations mentioning Conquest Financial Services, will be involved in this SelectCore Ltd pre-paid Toronto 'welfare'card (or Toronto 'City Service Benefit Card') proposal in any way?

Now I am NOT thinking about or alleging the potential for possible identity theft or fraud here. I'm not making any allegations of any kind at all, express or implied.

But I AM concerned about any possible link to Conquest Financial Services, given the various 'scam' allegations concerning Conquest Financial Services.

If there IS a Conquest Financial Services connection of any kind to this SelectCore Ltd pre-paid Toronto 'welfare card' (or Toronto 'City Service Benefit Card') proposal, then the Toronto media might well end up having a field day given all of the 'scam' allegations that have been made about Conquest Financial Services on Ripoffreports.Com and elsewhere.

That might then certainly cause some serious embarrassment to the City of Toronto's administration if they weren't previously aware of these 'scam' allegations about Conquest Financial Services.

Personally, I couldn't usually care less about who gets what contract. I have no investments in the stock markets and don't intend to have any.

But I am concerned about any possible Conquest Financial Services connection to this Toronto 'welfare' cards (or Toronto 'City Service Benefit Cards') proposal.

Again, I'm not making any allegations of any kind myself about Conquest Financial Services, Michael Shvartsman, Admeris Payment Systems, Jeremy Murray or SelectCore Ltd here. I'm just asking questions.

Personally, I hate scams, fraud and misleading claims of any kind!

Are you getting to be as horrified and concerned about all of the various 'scam' allegations concerning Conquest Finacial Services as I am?

Do the RipOffReport 'ripped off and scammed' allegations below about Conquest Financial Services confirm the allegations made by an 'ex-employee' of Conquest Financial Services?

Those 'ex-employee' allegations about Conquest Financial Services made me think of these 'ripped off and scammed' allegations about Conquest Financial Services at:

http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-services-b-eb3db.htm

This is that RipOffReport.Com report and allegations on Conquest Financial Services by someone who alleges that they were 'Ripped off and scammed' by Conquest Financial Services (the address on this report appears to be an older one, and should read 'Canada' not 'United states of america', as appears from the first Comment on this report below):

"RipOffReport.Com Report: #578932

Complaint Review: Conquest Financial Services

   Submitted: Friday, March 05, 2010
   Last Posting: Tuesday, April 17, 2012
   Reported By: Frustrated ? Edmonton Alberta Canada

Conquest Financial Services
#301-885 Don Mills Rd Internet M3C 1V9 United States of America

   Phone: 1-877-505-9383
   Web: conquest-financial.ca
   Category: Financial Services

Conquest Financial Services BEWARE!!!Ripped off and scammed by a company who I thought would help..SHAME on you Jeremy Murray, Internet
*General Comment: Confirming that Conquest is a big rip off!

I was looking for funding and I found an advertisement in a little magazine publication. It seemed okay. It had a huge ad that drew me in saying all the right things, "No financial statements, tax returns, business plans, perfect credit or application fees". It was one of those companies that works with businesses who accepted (POS)credit cards and debit cards. I called just to get some information, next thing I knew I was filling out an application. For me to get funding it depended on my monthly interac sales, which was fine. I was approved right away but for me to get the funding I had to switch interac companies. Plus, I had to lease their (POS)machine. They took an annual members fee and a setup fee out of my account, something they did not mention and another fee by the leasing company. AND I STILL DID NOT GET ANY FUNDING! After all that they informed me that I needed a co-signer. So, got one and still no funding till months and months later. Finally, I got tired of waiting and calling with no avail, I tried to cancel. No such luck! Apparently, there is a cancellation fee which I can't afford so I let them take their monthly service charge out of my account every month. AND I'm locked into a non-cancelable lease agreement with an interac terminal I don't even use, and that monthly payment also is credited out of my account. They informed me that I can transfer to another person or business who wants it but chances on that happening is slim. Really should have went with my instincts on this one but was desperate for some extra funding. BBB gave them a low rating. I don't know what to do. Someone PLEASE HELP ME! PLEASE!"
http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-services-b-eb3db.htm

These Conquest Financial Services 'ripped off' and 'scammed' allegations were then followed below that RipOffReport by these two allegations concerning Conquest Financial Services, as Comments below that RipoffReport:

Comment No. 1 made this allegation about Conquest Financial Services location following the 'ripped off' and 'scammed' allegations above about Conquest Financial Services:

"#1 Update By Author
Location of Conquest Financial Services
AUTHOR: Anonymous - Maidstone (Canada)

SUBMITTED: Saturday, March 06, 2010
They are located in Toronto, Ont. CANADA"

Comment No. 2 made these 'rip off' allegations about Conquest Financial Services following the 'ripped off' and 'scammed' allegations above about Conquest Financial Services:

"#2 Consumer Comment
Confirming that Conquest is a big rip off!
AUTHOR: Emma - Etobicoke (Canada)

SUBMITTED: Tuesday, April 17, 2012
I got into this contract with Conquest too and unbelievable how thay can charge so much with so little service after the terminal has been installed. I am a very small business owner and really wondering how people like Jeremy Murray was allowed to run a blood sucking business that preys on hard earned money like mine. I don't know how and where to get help. Something needs to be done to stop these monsters from victimizing others."
http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-services-b-eb3db.htm

Whether these 'scam' and 'rip off' allegations about Conquest Financial Services are true or not I don't know. But there certainly are a number of 'scam' allegations about Conquest Financial Services at:

"Conquest-Financial-Services | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Company Directory | Conquest-Financial-Services"
http://www.ripoffreport.com/directory/Conquest-Financial-Services.aspx

And the 'Fraud and Organized Crime' allegations on Scaminformer.Com, which mention Conquest Financial Services  http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html

...together with the Conquest Finacial services 'ex-employee' allegations at:

"Conquest Financial Services... Scam? - RedFlagDeals.com Forums"
forums.redflagdeals.com/conquest-financial-services-scam-736019/

...certainly make do me wonder about Conquest Financial Services.

These allegations about Conquest Financial Services are beginning to make me think that getting a 'merchant cash advance', 'merchant funding' or engaging in 'credit card receivables factoring' with ANY company operating in this field might be a REALLY bad idea! But that's just my opinion on all of this.

I was shocked by the 'ex-employee' allegations below about how Conquest Financial Services, alleged 'scammers', allegedly make misleading 'cold call' claims to potential customers and allegedly charge REALLY HIGH FEES for their 'Merchant Cash Advances / Merchant Funding' services and also allegedly charge 'ridiculous cancellation fees'!

You can see these Conquest financial Services 'ex-employee' allegations for yourself at http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-scam-mislea-nd6dn.htm

(These 'scam' allegations, posted in 2009, give alleged scammers Conquest Financial Services old address at 1 Yonge St. Toronto Ontario Canada. Their current address is 326 Adelaide Steet West, 4th Floor, Toronto, Ontario M5V 1R3, Canada).

"Report: #476971

Complaint Review: Conquest Financial Scam

   Submitted: Thursday, August 06, 2009
   Last Posting: Saturday, August 08, 2009
   Reported By: ? toronto Ontario

Conquest Financial Scam
1 Yonge St. Toronto Ontario Canada

   Phone:
   Web:
   Category: Financial Services

Conquest Financial Scam Misleading claims, horrible customer service & cancellation fee Toronto Ontario

I was not a client but am actually an ex-employee who left Conquest Financial within the past few months (because I realized exactly how bad I was scamming clients), I reveal everything they are trying to hide from you. There offer 2 things POS merchant services and Merchant funding

POS Merchant services

There is a good chance that if you are reading this, you have been cold-called by an employee working for Conquest financial.

First a little about their customer service

Many of their competitors offer on-site same-day support (in person) in the event of a problem with your processing terminal. Those that don't at least offer on-site support, although they obviously still wouldn't be able help you the same day. Conquest financial offers neither. You have to call Conquest Financial by phone, and if you're lucky you may get an employee competent enough to tell you how to fix whatever problems you are having with your terminal. If you are tech-savvy you should be fine. If not, find someone who is.

Secondly, the ridiculous cancellation fees.
Whoever you are talking to will probably avoid answering this question at all costs, and if they are forced to may lie. Conquest financial is not the second largest processor in north America like the employees they sometimes say they are. Conquest financial is one of the many processors that use processors from Elavon for processing transactions. Elavon is the second largest processor in North America, not conquest financial. Take a deep breath now. The cancellation fee for Conquest is $500, and since conquest is affiliated with Elavon you have to pay Elavon's cancellation as well, another $200. So you end up paying $700 if/when you choose to back out of the deal because of the horrible customer service. For most clients, this cancellation fee is too high and they simply stay with Conqeust until their contract is up.

Thirdly the rate reduction
This just takes some common sense. You were most likely promised 30 - 50% of a rate reduction. Do you honestly think that if you're paying $1000 a month right now, that it would be lowered to $500-700? Conquest has only lowered their rates this much for a select few businesses before who were receive absolutely preposterous rates. If Conquest did do this for clients, they'd probably have 1000 times more clients than they currently have. Although Conquest Financial might lower your rates a bit, remember that you will most likely still have to pay cancellation fees with your current processor (it is very rare the Conquest financial will cover it for you). Also you have to go through the hassle shipping back your current terminal, along with getting Conquests' and setting it up obviously.

I thought I would put this up because Conquest financial is so small with so few customers that they have barely received any feedback online. My suggestion: If you really think your the rates your current processor is giving you is too high, contact one of the larger processors such as (((Redacted)))

Merchant Funding/Advance

First, is the ridiculous amount that you pay back. Let me go over exactly how you pay Conquest

Conquest Financial gets their money back by taking a portion of your Credit and Debit card sales (usually somewhere around 20-25%) over a fixed time period. This time period in most cases is either 4 months, 6 months or 9 months. Although there is no interest the longer this time period the more you will end up paying back.

For a 4 month payback period, you will pay back 1.3 times the original amount.

For a 6 month payback period you will pay back 1.4 times the original amount.

For a 9 month payback period you will pay back 1.56 times the original amount.

If you went to get a loan from the bank they might charge you somewhere around 10% annual interest which would be equivalent to roughly 1.1 times the original amount (if it was done as a cash advance -- not for 4, 6 or 9 months but for a full year). As you can see the amount you would pay back to Conquest Financial would be ridiculous. This is where they are going to try and convince you that it would take far less time with them to get this advance/loan than from a bank. They're also going to tell you they don't need any personal information from you when in reality they usually take a years worth a processing statements along with copies of your drivers license and social security card.

On top of this they require a co-signor (so they can take another person down in the event that you default). After about 2 weeks of paper work that you must do, there is still no guarantee that you will be approved. I have dealt with plenty of clients who were so pissed that they went through all this paperwork for a bad financing deal only to find out they weren't approved.

Also, your credit and debit card sales will no longer be going to your merchant account. It will be going to an escrow account which is basically a middle-man account, and often called a "lock-box" (although Conqeust obviously avoids this terminology). Obviously going through a middle-man poses some security risks. The reason they do this is to ensure they get their money. If at the end of each batch, there is no money in your account (such as from paying your employees), there is no money there for conquest financial to take. In the end, they are risking the security of your sales to ensure they get their money when they want it.

I strongly suggest seeing what the banks have to offer you. You will save tons of money doing so and a lot of hassle.

Ex-employee
toronto, Ontario
Canada"
http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-scam-mislea-nd6dn.htm

See all of the RipOffReport.Com scam allegations against Conquest Financial Services yourself at:

"Conquest Financial Services | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Company Directory | Conquest Financial Services"  
http://www.ripoffreport.com/directory/Conquest-Financial-Services.aspx

You might also want to read the allegations mentioning Conquest Financial Services at:

"Conquest Financial Services... Scam?" - RedFlagDeals.com Forums at forums.redflagdeals.com/conquest-financial-services-scam-736019/

ScamInformer.Com, 'Fraud and Organized Crime'
http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html

Thank you for pointing us to those Conquest Financial Services 'scamming' allegations, especially the one on Conquest Financial Services on the "Conquest Financial Services... Scam?" - RedFlagDeals.Com Forums forums.redflagdeals.com/conquest-financial-services-scam-736019/

The last comment and allegations on Conquest Financial Services by an ex-employee of Conquest Financial Services on the "Conquest Financial Services... Scam?" - RedFlagDeals.Com Forums forums.redflagdeals.com/conquest-financial-services-scam-736019/ was pretty straightforward in what it alleged:

"they are a scam.

I used to work there myself and found this blog post here - http://conquest-financial-scam.blogspot.com/ . That accurately describes how they scam their customers. With regards to how they treat you as an employee, they will save you should be making at least $500 a week, however most only make $200-$300 a week - and these are the openers that are good enough to stay. Some would actually be making $0 a week if they stayed. They also treat your paycheck like a loss of profit for them and it's a hassle to get paid. Never work at conquest financial."

If that's what one of Conquest Finasncial Services own ex-employees is allegiing about them, then I'll be avoiding Conquest Financial Services!

Read that shorrt RedFlagDeals.Com thread on Conquest Financial Services, Conquest Financial Services on the "Conquest Financial Services... Scam?" - RedFlagDeals.com Forums at forums.redflagdeals.com/conquest-financial-services-scam-736019/ for yourself and see what you think!

The long thread of comments and scam allegations concerning Conquest Financial Services on  
"647-430-9434 / 6474309434" at 800notes.com/Phone.aspx/1-647-430-9434 made for very interesting teading too!

Conquest Financial Service, Toronto, Canada? See the RipOffReport 'scam' allegations about Conquest Financial Services at:

"Conquest Financial Services | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Company Directory | Conquest Financial Services" at http://www.ripoffreport.com/directory/Conquest-Financial-Services.aspx

See also the allegation concering Conquest Financial Services by a Conquest Financial Services 'ex-employee' at "Conquest Financial Services... Scam?" - RedFlagDeals.com Forums at forums.redflagdeals.com/conquest-financial-services-scam-736019/

See, too, the allegations concerning Conquest Financial Services in the Comment below the RipOffReport headed "Conquest Financial Scam Misleading claims, horrible customer service & cancellation fee Toronto Ontario - I was not a client but am actually an ex-employee who left Conquest Financial within the past few months (because I realized exactly how bad I was scamming clients), I reveal everything they are trying to hide from you..."
http://www.ripoffreport.com/financial-services/conquest-financial-s/conquest-financial-scam-mislea-nd6dn.htm

See also the long thread of comments and scam allegations concerning Conquest Financial Services on  
"647-430-9434 / 6474309434" at 800notes.com/Phone.aspx/1-647-430-9434

And, finally, see the allegations (which also mention Conquest Financial) at ScamInformer.Com, 'Fraud and Organized Crime' at http://www.scaminformer.com/scam-report/fraud-and-organized-crime-how-is-it-that-people-suspected-c17189.html

Unsolicited junk mail is a waste of time for everyone and most unappreciated by those of us on the DO NOT CALL list!  This company is too afraid to properly identify their fax number or date and time on the fax not to mention a phone number to stop the calls.

My number has been registered as one that does not want junk mail.  My printer just printed another unsolicited fax .  This is from Conquest Financial Services. At the bottom of the page there is an e-mail address   removemynumber@conquest-financial.com   The above address does not connect.