BBB Business Review

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This business is not BBB accredited.

M.S.A. Financial Services

304 Newbury St  PO Box 555, Boston, MA 02115 ! M.S.A. Financial Services is Believed to Be Out of Business !

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In regards to M.S.A.,

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • This business has no rating because BBB has information indicating it is out of business.

Industry Ratings Comparison | Chart

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on M.S.A. Financial Services
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: December 31, 1990 Business started: 01/01/1988
Type of Entity


Business Management
Mr. Michael Sandler, President
Contact Information
Principal: Mr. Michael Sandler, President
Number of Employees


Business Category

ADVANCE FEE BROKERS Consumer Lending (NAICS: 522291)

Industry Tips

Consumers Beware of Advance Fee Loans
The scenario is all too common: a consumer receives a call or e-mail or sees an advertisement for a pre-approved loan and calls to receive an application. The business says yes, they can offer you a loan regardless of your credit history, if you pay an up-front "insurance," "security," or "processing," fee in advance.

Too often, those with bad credit - who can least afford it - end up losing their up-front fee and never hear from the business again.       

According to the Federal Telemarketing Sales Rule, if someone guarantees or suggests that there is a strong chance they can get or arrange a loan or other form of credit for you, it's against the law to ask you to pay - or accept payment - for their services until you get your loan or credit.

Better Business Bureau, along with the Federal Trade Commission, offers the following points to keep in mind before you respond to ads that promise easy credit, regardless of your credit history:

  • Legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.
  • If you apply for a real estate loan, it is accepted and common practice for lenders to request payment for a credit report or appraisal. However, legitimate lenders never ask you to pay for processing your application.
  • Never give your credit card account number, bank account information, or Social Security number over the telephone or Internet unless you are familiar with the company and know why the information is necessary.
  • Industry Tips
    Advance Fee Mortgage and Loan Brokers Read Before You Sign
    Industry Ratings Comparison Chart X
    Same Relative Size   All Businesses
    The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in Eastern Massachusetts, Maine, Rhode Island and Vermont. Businesses may engage in more than one type of business.
    Routine Literature Request

    BBB routinely randomly checks on businesses literature/advertising to consumers.

    Please email or send via postal mail a copy of the literature/advertising you received from this business.


    Postal mail:
    Research Department
    290 Donald Lynch Boulevard, Suite 102
    Marlborough, MA 01752-4705

    Thank you.

    BBB Customer Review Rating plus BBB Rating Overview

    BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

    Customer Review Experience Value
    Positive Review 5 points per review
    Neutral Review 3 points per review
    Negative Review 1 point per review

    BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

    BBB Letter Grade Scale

    BBB Rating Value
    A+ 5
    A 4.66
    A- 4.33
    B+ 4
    B 3.66
    B- 3.33
    C+ 3
    C 2.66
    C- 2.33
    D+ 2
    D 1.66
    D- 1.33
    F 1
    NR -----
    Star Rating scale

      Average Score
    5 stars 5.00
    4.5 stars 4.50-4.99
    4 stars 4.00-4.49
    3.5 stars 3.50-3.99
    3 stars 3.00-3.49
    2.5 stars 2.50-2.99
    2 stars 2.00-2.49
    1.5 stars 1.50-1.99
    1 star 0-1.49

    BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.