BBB Business Review

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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.

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.

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

In January and February of 2007, Domains by Proxy cancelled the privacy service for,, and because attempts to contact the registrants were unsuccessful and therefore in violation of Domains by Proxy's terms of service. ***Liberty Financial ( is registered to Peter Snow at 100 Young Street, Toronto, Ontario M1A6B3, Canada and mail sent to this address was returned. ***Liberty Mutual Financial Service ( and Right Value Financial Service ( are both registered to Business Innovations at Lawrence East Avenue, Scarbrough, Ontario M1C2A5, Canada and mail sent to this address was returned. ***Prudent Financial Services ( is registered to Arnold Rabin at 500 Lawrence Avenue, Toronto, Ontario M1R8B5, Canada. None of the above addresses are recognized by Canada Post, Canada’s postal service.

As of April 11, 2007, over 170 complaints have been filed with the BBB against this firm. Most of these complaints were closed "non-pursuable" because the BBB was unable to contact the firm. All known addresses for this firm are false. ***According to information received by the BBB, Liberty Financial and its affiliates promise guaranteed loans of up to $150,000 in exchange for fees totalling as much as $13,000. Consumers are instructed to send money to an individual located in Canada via Western Union; consumers note that subsequent to forwarding the required monies they do not receive the promised loan. ***Advance fee loans are illegal in the United States and Canada. In New York State a loan broker may charge a fee of no more than 1/2 of 1% of the value of the loan. Consumers are advised not to give personal information to random firms offering loans, grants, credit cards or unsolicited services over the phone.***

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Liberty Financial Advance Fee Loan
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: November 15, 2006
Business Management
Tommy Beckford,, Arnold Rabin, Registrant - Peter Snow, Registrant -
Contact Information
Principal: Tommy Beckford,,
Principal: Arnold Rabin, Registrant -
Principal: Peter Snow, Registrant -
Business Category


Alternate Business Names
All Credit Financial American Century Financial Business Innovations Charma Wells Financial Group Family Tree Investment Group Family Tree Investments Federal Trust Financial, Inc. First Union Financial Group Nation X Financial Prudent Financial Services Inc. Re-Active Re-Active Solutions Inc Reactive Solutions Right Value Financial Tribute Financial Group Union Financial Services United Heritage Credit Union Vitech Financial Services Wells Financial Inc Wells Financial Services
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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.