BBB Business Review

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This business is not BBB accredited.

B & T Financial Group

Additional Locations

Phone: (888) 689-8652 Fax: (800) 861-9512 View Additional Phone Numbers 7603 First Place Drive B-12, Oakwood Village, OH 44146


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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.

Factors that lowered the rating for B & T Financial Group include:

  • BBB concerns with the industry in which this business operates

Factors that raised the rating for B & T Financial Group include:

  • Length of time business has been operating
  • No complaints filed with BBB


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

Additional Complaint Information

This company first came to the attention of the Cleveland BBB in September of 2006. At that time callers indicated the company was advertising advance fee loans and using the name, address and website of an Oakwood Village, Ohio company known as Premium Finance Associates.

One caller applied for a $15,000 loan and was required to pay $1,052 prior to receiving the funds but the loan monies were never provided by the company.

Loan documents obtained by the BBB do include several references to the Ohio company but there are also numerous discrepancies. The start date, management and several of the toll free numbers of this company are different than the Ohio firm. While referencing "Premium Finance Associates", the loan documents also refer to this company, B & T Loans, and the website, www.bandtloans.com.

Loan documents also include a BBB logo suggesting membership. The company IS NOT A MEMBER of the BBB.

The Cleveland BBB was unable to verify that this company had any licensing with the Ohio Division of Financial Institutions.


NOTE: Consumers with less than perfect credit should use the following guidelines when seeking loans:

1. Know who you are doing business with. Obtain the name of the loan representative and the name, address, and telephone number of the company.

2. Don't accept the promoter's claims of guaranteed loan services at face value.

3. Insist on being told the name of the lending institution which supposedly will fund your loan.

4. Verify with the supposed lender all oral and written representations made by the promoter regarding support from that lender.

5. Ask for names, addresses, and phone numbers of other customers of the promoter, and contact them to see if they got their loans. Consider consulting an attorney or accountant for advice.

6. Ask yourself why the promoter can obtain a loan for you from a legitimate lender when you yourself have been turned down for a loan, perhaps many times. Take care of your precious assets by exercising caution when asked to pay a loan fee in advance.

If you have been victimized in an advance fee scheme in which the U.S. Mail was used, report your experience to your local postmaster or the nearest Postal Inspector.


(For more information about this industry, see the Educational / General Comments portion of this report.)

(To access a detailed report regarding the Oakwood Village, Ohio company - Premium Finance Associates - call the BBB Anytime Line at 216-241-7678 and enter 440-735-5626 or check the BBB's website at www.Clevelandbbb.org.)

Customer Reviews Summary Read customer reviews

0 Customer Reviews on B & T Financial Group
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: October 04, 2006
Business Management
Mr. Bryan Burmont, Owner Ms. Nicola Davis Mr. Mark Marciano Mr. David Obrian, Senior Operating Manager Mr. Frank Wilson
Contact Information
Principal: Mr. Bryan Burmont, Owner
Business Category

Advance Fee Loan Brokers

Alternate Business Names
B & T Loans J.D and Associates Law Firm National Angel Organization Angel Investor Network
Industry Tips
Advance Fee Loans
X

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.
Details

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.