Complaint Review: Lease To Home

Bruce is a shady character. I hired him to do a lease purchase option on my house as my job had transferred me out of town. He was hard to get ahold of not returning emails or phone calls in a prompt manner. There were many times where I would have to come to town to deal with him to get issues resolved. Every month it was like pulling teeth to get the montly payment from him. I now find out last week the reason I havent been able to get in touch with him is because he is in jail. Luckily I am only 2 months behind on the mortgage. Now I have to deal with the current tenants in the house, who bruce lied to and told them he owned the house. They had no clue I existed.

I can't say i'm surprised when I read the news report saying he robbed a bank. I have known for several months that he wasnt everything that he told me initially that he was.

Out of the 11 months that I have dealt with Bruce, I have received all but the last two months payments. But like I stated, most months it was constant phone calls and emails to him to get him to pay me.

I hope that the other people he was dealing with are able to work things out.

Robin... I recently read through your statement and Bruce's rebuttal... yes Bruce was recently arrested BUT it was asses like you (and criminalist DC policies) that helped push an honest hard working father (and the real-estate market) over the edge... I have done business with Bruce... he is honest and gave me great advice and ultimately helped me... Don't even think about using this incident to try to convince people you are not the wacked one here... we know better... not everyone is an irrational fool like you... people like you and Barney Frank are the ones that should be in jail! You despicable punk

I knew this guy was trouble...just not quite how much. Thank God, he didn't freak on me....I'm the one who first reported him....and now, what, 3 years later?....he is arrested for armed robbery and kidnapping.....he robbed a bank in Greenville, SC yesterday...I will post the link for the article for sourcing. I feel very sorry for his family, and the poor folks who trusted him to give money to him for properties or anything else.

http://www.greenvilleonline.com/article/20090227/NEWS06/302270002&referrer=FRONTPAGECAROUSEL

At least he's in jail now, and won't hurt anyone else.

Robin Els

After this posting I will not continue to respond to Robins individual manipulated lies in this unregulated forum. Instead, I will refer to this posting as my response or choose other options in dealing with her.

Robin is using Rip-off-Report as a stage, and in her indignity has managed to drag me on stage with her. Because Ripoff-Report is not regulated she has been able to get away with posting incredible lies. I feel I've had no choice except to defend against her malicious attack. It's very difficult for me to defend a position against someone who will readily spin another lie that then has to be defended. Robin has manipulated this situation because she knows how I care about my business and reputation. This could go on forever, and especially with someone like Robin who I'm sure receives amusement by the whole continued process. I am not amused. If you Google search Robins Els name you will see where she has done this to others and I'm aware of similar situations here locally that may or may not be somewhere on the web. This is a mode of operation for Robin and it bothers me that I've been one of her targets.

Ripoff Report will not remove these lies regardless of the credibility of the attacker or regardless of the provability of the lies. Any one can attack anyone and it will likely get posted in this forum. (It may also be of interest to readers that Ripoff Report itself is being sued by companies much larger than mine for allowing people like Robin to continue to victimize companies with proven bogas reports.) Robin has done this because we rejected her unethical conduct and refused to work with her. Without other options I responded to her attack by denying her lies and revealing her credibility. I'll once again reveal a few of her lies before moving on. One is the report she posted on 1/7/2007, fourth paragraph down. She claims she KNEW that the amount was too low for an FBI investigation yet in her report on 12/26/2006, she clearly says there is an ongoing investigation. There is no investigation; I have called both offices offering any and all information for review. She put what she put on this report to try to damage my business. Another example is her report posted 12/10/2006, where she claims to have never represented herself as Home Again 4U, LLC yet I have numerous emails in my deleted box where she solicited for months and months to a yahoo real estate group of over 2000 under that name and email address. She also stated then that she will stop using that email address---yet she claims to have never represented herself as Home Again 4U, LLC?? (I'll be glad to forward these as proof to anyone). Another example is her report posted 12/15/2006 and later mentioned again on 12/16/2006, and again on 12/17/2006, and again on 12/23/2006, and again on 12/26/2006, and again on 1/1/2007 about an initialed change on a mortgage contract. While searching public records to try to find wrong doing on our part she found a single document that contains an error. No wrong doingan error. And contrary to Robin's wrong conclusions and manipulated lies, the attorney made that error and it is an error among a package of documents that contain the correct name over and over again without the error Robin keeps highlighting in this report. Also contrary to Robins lies in this report, the attorney assured me that if we choose to do business with them they will gladly accept our business. I think the best revealer of Robins credibility is the detectable malice and the obvious extent she will go to in her obsession to get back at me and my company for rejecting her. She warned me of this.

My position moving forward is this:
--I'm bothered this whole fight has happened
--I have some degree of satisfaction that Robin Els was irrefutably caught operating under false pretenses as Home Again 4U, LLC, and that she has at least stopped that illegal behavior under that name.
--Robin has damaged my business. And while RipOff Report can use the 5th amendment freedom of speech to allow these attacks in this unregulated forum and not be held accountable for damages, the attacker CAN be held accountable for damages. It would be craziness on my part to continue trying to fight a vengeful, boundary-less liar in this forum.
--I am putting Robin on notice that she may be held liable for damages and that I may pursue and injunction against her for attacking and interfering with my business.
--The good that has come from this is that we are more motivated than ever to improve every aspect of our business. We never expected to be under attack in this way and we now know more than ever that we can take nothing for granted. I have not enjoyed this fight, and I suspect well end up in court with Robin before it's all over with, but this aggravation will ultimately improve us. We will continue to try to improve and will continually strive to do good business.

Bruce Windsor
Lease To Home, LLC

The document with the ?S? added that she refers to is a mortgage agreement that is prepared before closing by the attorney and the computer automatically fills that name in throughout the document. The hand written name Robin refers to was not written by me but rather by the attorney, and the change was initialed by all parties

Thank you Mr. Windsor for implicating yourself in this matter. Do you actually think that a lawyer is going to sign your name for you on a mortgage contract? Gosh, he must be willing to be prosecuted for illegal actions himself, if he really did that. If you initialed the change, from John Doe, to Lease to HomeS, then you saw the supposed error, and said nothing about it. And your signature as member of Lease to HomeS is on the Junior Encumbrance Rider. So, are you saying the lawyer signed your name there too? Not all of us as stupid as you may think. Nice try, but no go.

I spoke with the attorney's office last week. They said that it was the first time you had ever used them, and it would be the last time they ever let you use them!

As for the FBI.you must not have talked with the Greenville office as I did. (Obviously, one must report illegal action to the FBI office in the location of the action, as in Greenville vs. Columbia) Lucky for you Mr. Windsor that the amount of equity skimmed in this transaction is only $35,000. Due to the high rate of illegal activities of real estate investors like you, they do not investigate (at this time) cases that involved that amount of money. It has to be closer to $100K for them to get involved. They do however take reports of fraud seriously, and keep any information sent on file.

Ahh, and the buyer's choice of using Alex Newton? They weren't purchase contracts, they were mortgage satisfactions.you paid off houses that had rent to own clients in there.you knew very well that Alex Newton was doing illegal things in his business, because YOU brought that up to me when we were working together, which was months before these transactions. For someone who spouts how much he's trying to do business ethically, why then would you choose an attorney that was KNOWN for his illegal actions?

This is Bruce Windsor. Appears as an upright and ethical business personyet this is the same person that wanted me to rent a town home that hadn't even been purchased from the bank yet and was not in legal possession of his company, just so he could make a few bucks while he tried to find a buyer. This is totally illegal! This is the same person that admitted to me in an email in December when he started harassing me again, that he has still not refunded funds that he took from a rent to own client, after Mr. Windsor backed out of buying the property. He justifies it by saying the fellow didn't meet him when he said he would. But that's not illegal or unethical is it, Mr. Windsor?

Sincerely trying to do good business? Maybe you need to say the obvioustrying to do business, no matter who I hurt or use. You don't need me, to harm your business Mr. Windsor. You've done quite a good job of that on your own.

Thank you,
Robin

To respond to the reader who wonders why we aren't battling in court it's because there is no battle to have unless I take her to court for slander and damaging my business which seems to be the direction things are headed. It is terribly frustrating to be victimized in this way, but for the sake of those who go to the web and may see this report when considering whether to do business with us or not, I have no choice except to answer these lies. Again, it is terribly frustrating that someone can do what Robin is doing on this website.

ROBIN IS USING THIS UNRGULATED FORUM TO MAKE ?SMOKE? and people tend to think where there is smoke there is fire and that perception could hurt my business and she knows it. If I answer, she spins more lies?if I don't answer it appears I don't dispute her lies.

I have cut and pasted the following response from Robin in the report that I made against her bogus ?company? Home Again 4U, LLC where she responds:

?I will not respond anymore to this person. I tried to explain to him after his most recent contact, that I have moved on, and he needs to do the same.?
(To see everything she said go to Rip-Off Report and do a search for Robin Els)

She says this in response to my report against her ?company?, but yet as anyone can see by her pursuit that she is obsessively and maliciously continuing to try to damage my business. I have tried to get my company and me away from her for more than a year now. As anyone reading this can see I am only answering her false accusations, and it required me to attack her credibility. I'm sure she is even angrier now because since I answered her attack on our company and exposed her fraud of representing herself as Home-Again 4U LLC, she has apparently stopped operating under those false pretenses (I've seen no more of her postings on a yahoo real estate group she used to frequent). Unfortunately, I also know I have fueled her appetite for revenge, which we're now seeing in her latest contributions to this report. As unhappy as I am to be having this public feud, I'm glad for the readers to see how she operates and why we could not allow her to work with our company. She will manipulate circumstances with appearances of credibility and authority while operating with self-serving conniving motives.

This latest report of Robins about an ?investigation? is another lie. I called the Columbia FBI office Robin highlighted in her report to make myself fully available and cooperative for any investigation. They said there IS NO INVESTIGATION and if there were one it would be handled in the Greenville SC office. I am 100% comfortable with an investigation regarding my business dealings. This type of ?spinning? lies out of circumstance is why Robin is so dangerous. What Robin failed to disclose in her microscopic study of that particular transaction is all the other documents, including the most important?the property title, which clearly shows Lease To Home, LLC as the company in this transaction. She chose to take that one document and connect it to the dissolved LLC which was dissolved because of the improper name three years ago. The document with the ?S? added that she refers to is a mortgage agreement that is prepared before closing by the attorney and the computer automatically fills that name in throughout the document. The hand written name Robin refers to was not written by me but rather by the attorney, and the change was initialed by all parties. The name is incorrect but only on that document. There is a whole stack of documents that go with that ?package? that have the name correctly. She has taken an error and fabricated another lying ?story? that contains her own erroneous conclusions about that transaction besides the false accusation of fraud. Regardless, I have already contacted both the mortgage lender and the FBI to make available any information or documentation to anybody who would want to see it, and once again, I was informed there is no investigation. Robin is simply trying to create ?smoke? to harm my business.
In regards to the inferences Robin made about the attorney we used who is now in prison, it is my opinion he should be there. She is attempting to make us guilty by association and I would like to disclose a few more facts. Attorney Newton had multiple offices and closed thousands of property transactions each year. We had only a handful of closings with his offices (I think less than 5) and part were not our choice, but rather the buyer's selection of attorney. Also, thousands of other individuals and companies used him as an attorney and I certainly don't put them in the same boat as the attorney they happened to use.

Having had the unfortunate experience of acquainting with Robin I can tell you she enjoys this type of manipulation and trouble stirring.

Robin's threats to me that she would try to hurt my business have become a reality. I'm sure Robin is enjoying the fact that I have to take the time to defend against her lies. I have a family to provide for, employees, clients, and business affiliates who benefit from our services. Robin is too malicious and self serving to consider the damage she is potentially causing.

Despite my grandest wishes that this is the last response I need to make, I'm very doubtful it will be.


Sincerely trying to do good business,

Bruce Windsor
Lease To Home, LLC

to prosecute Mr. Windsor for his actions. They will determine if enough illegal actions have occurred and if enough money is invovled for them to proceed with prosecution. They have received the information and an investigation is ongoing.

I have been responding to this because of Mr. Windor's continuous denial of his wrong doings even when they are in plain view of the public. Even his own tenants are aware of this. His continuous lying is only getting himself in more trouble. And, his comments that his business transactions are "scrutinized" by attorneys frequently, is laughable, since he used Alex Newton for 3 mortgage transactions this past Spring, and Alex Newton was just sentenced to 41 months in prison for mortgage fraud.

His "rent to own" clients will need to prosecute along with the FBI, since they are the ones that will be "damaged" financially from Mr. Windsor's actions. Especially the property that he bought using a "ficticious idendity",(the FBI's word for it), and has a "rent to own" client in there now.

As far as the "pissing contest", I agree...but Mr. Windsor's only way of defending himself is in this manner. I am only responding now with the facts so those that are aware of this situation, and those that will become aware of this situation, can be forewarned and then deal with a reputable and honest business person.

I'm sure he'll come back with more, but that's ok. The facts are the facts, and they have been forwarded onto the appropriate authorities. It is up to them now and the actual people that Mr. Windsor is "dealing with" now, to carry that onward.

Thank you,
Robin

to prosecute Mr. Windsor for his actions. They will determine if enough illegal actions have occurred and if enough money is invovled for them to proceed with prosecution. They have received the information and an investigation is ongoing.

I have been responding to this because of Mr. Windor's continuous denial of his wrong doings even when they are in plain view of the public. Even his own tenants are aware of this. His continuous lying is only getting himself in more trouble. And, his comments that his business transactions are "scrutinized" by attorneys frequently, is laughable, since he used Alex Newton for 3 mortgage transactions this past Spring, and Alex Newton was just sentenced to 41 months in prison for mortgage fraud.

His "rent to own" clients will need to prosecute along with the FBI, since they are the ones that will be "damaged" financially from Mr. Windsor's actions. Especially the property that he bought using a "ficticious idendity",(the FBI's word for it), and has a "rent to own" client in there now.

As far as the "pissing contest", I agree...but Mr. Windsor's only way of defending himself is in this manner. I am only responding now with the facts so those that are aware of this situation, and those that will become aware of this situation, can be forewarned and then deal with a reputable and honest business person.

I'm sure he'll come back with more, but that's ok. The facts are the facts, and they have been forwarded onto the appropriate authorities. It is up to them now and the actual people that Mr. Windsor is "dealing with" now, to carry that onward.

Thank you,
Robin

to prosecute Mr. Windsor for his actions. They will determine if enough illegal actions have occurred and if enough money is invovled for them to proceed with prosecution. They have received the information and an investigation is ongoing.

I have been responding to this because of Mr. Windor's continuous denial of his wrong doings even when they are in plain view of the public. Even his own tenants are aware of this. His continuous lying is only getting himself in more trouble. And, his comments that his business transactions are "scrutinized" by attorneys frequently, is laughable, since he used Alex Newton for 3 mortgage transactions this past Spring, and Alex Newton was just sentenced to 41 months in prison for mortgage fraud.

His "rent to own" clients will need to prosecute along with the FBI, since they are the ones that will be "damaged" financially from Mr. Windsor's actions. Especially the property that he bought using a "ficticious idendity",(the FBI's word for it), and has a "rent to own" client in there now.

As far as the "pissing contest", I agree...but Mr. Windsor's only way of defending himself is in this manner. I am only responding now with the facts so those that are aware of this situation, and those that will become aware of this situation, can be forewarned and then deal with a reputable and honest business person.

I'm sure he'll come back with more, but that's ok. The facts are the facts, and they have been forwarded onto the appropriate authorities. It is up to them now and the actual people that Mr. Windsor is "dealing with" now, to carry that onward.

Thank you,
Robin

to prosecute Mr. Windsor for his actions. They will determine if enough illegal actions have occurred and if enough money is invovled for them to proceed with prosecution. They have received the information and an investigation is ongoing.

I have been responding to this because of Mr. Windor's continuous denial of his wrong doings even when they are in plain view of the public. Even his own tenants are aware of this. His continuous lying is only getting himself in more trouble. And, his comments that his business transactions are "scrutinized" by attorneys frequently, is laughable, since he used Alex Newton for 3 mortgage transactions this past Spring, and Alex Newton was just sentenced to 41 months in prison for mortgage fraud.

His "rent to own" clients will need to prosecute along with the FBI, since they are the ones that will be "damaged" financially from Mr. Windsor's actions. Especially the property that he bought using a "ficticious idendity",(the FBI's word for it), and has a "rent to own" client in there now.

As far as the "pissing contest", I agree...but Mr. Windsor's only way of defending himself is in this manner. I am only responding now with the facts so those that are aware of this situation, and those that will become aware of this situation, can be forewarned and then deal with a reputable and honest business person.

I'm sure he'll come back with more, but that's ok. The facts are the facts, and they have been forwarded onto the appropriate authorities. It is up to them now and the actual people that Mr. Windsor is "dealing with" now, to carry that onward.

Thank you,
Robin

is why you 2 aren't in court battling this out. If this is as serious as it seems, more justice would be done in a court of law rather than a pissing match on some website.

at the SC Secretary of State website, looking up

Lease to Home LLC, THEN, check Lease to HomeS LLC, and you will see that it was dissolved on 11/07/2003.

webprod.cio.sc.gov/SCSOSWeb/corporationNamePage.do

Then go over to the Greenville County Government webpage at:

greenvillecounty.org/

Click on "Real Estate" on the left column, and then "Register of Deeds Search". You will come to a new page, where you then will choose "search real estate index", on the left, again. On this new page, type in Lease to Homes, for "party name", and then click on search.

What you will retrieve is a copy of the 15 page contract signed by Mr. Bruce Windsor of "Lease to HomeS LLC", NOT Lease to Home LLC, on the above property.

Again, THIS LLC WAS DISSOLVED IN 2003. I am not lying. I did not make this up. It is in plain view of anyone that has a computer and can search the information, or that can retrieve the information manually from the courthouse. This 15 page documnet is printable and shows Mr. Windsor's own signature on the contract.

Lease to Home is an active registered coporation with the SC Sec of State. Lease to Home purchased this property on Sept 8th, for $80,000.00.

Lease to HomeS, is a DISSOLVED coporation. Lease to HomeS, obtained a mortgage on the SAME property, for $115,500.00, on September 8th, the very same day.

I'm lying? The documents tell the truth and are in plain view for anyone to see for themselves.

Thank you,
Robin

at the SC Secretary of State website, looking up

Lease to Home LLC, THEN, check Lease to HomeS LLC, and you will see that it was dissolved on 11/07/2003.

webprod.cio.sc.gov/SCSOSWeb/corporationNamePage.do

Then go over to the Greenville County Government webpage at:

greenvillecounty.org/

Click on "Real Estate" on the left column, and then "Register of Deeds Search". You will come to a new page, where you then will choose "search real estate index", on the left, again. On this new page, type in Lease to Homes, for "party name", and then click on search.

What you will retrieve is a copy of the 15 page contract signed by Mr. Bruce Windsor of "Lease to HomeS LLC", NOT Lease to Home LLC, on the above property.

Again, THIS LLC WAS DISSOLVED IN 2003. I am not lying. I did not make this up. It is in plain view of anyone that has a computer and can search the information, or that can retrieve the information manually from the courthouse. This 15 page documnet is printable and shows Mr. Windsor's own signature on the contract.

Lease to Home is an active registered coporation with the SC Sec of State. Lease to Home purchased this property on Sept 8th, for $80,000.00.

Lease to HomeS, is a DISSOLVED coporation. Lease to HomeS, obtained a mortgage on the SAME property, for $115,500.00, on September 8th, the very same day.

I'm lying? The documents tell the truth and are in plain view for anyone to see for themselves.

Thank you,
Robin

at the SC Secretary of State website, looking up

Lease to Home LLC, THEN, check Lease to HomeS LLC, and you will see that it was dissolved on 11/07/2003.

webprod.cio.sc.gov/SCSOSWeb/corporationNamePage.do

Then go over to the Greenville County Government webpage at:

greenvillecounty.org/

Click on "Real Estate" on the left column, and then "Register of Deeds Search". You will come to a new page, where you then will choose "search real estate index", on the left, again. On this new page, type in Lease to Homes, for "party name", and then click on search.

What you will retrieve is a copy of the 15 page contract signed by Mr. Bruce Windsor of "Lease to HomeS LLC", NOT Lease to Home LLC, on the above property.

Again, THIS LLC WAS DISSOLVED IN 2003. I am not lying. I did not make this up. It is in plain view of anyone that has a computer and can search the information, or that can retrieve the information manually from the courthouse. This 15 page documnet is printable and shows Mr. Windsor's own signature on the contract.

Lease to Home is an active registered coporation with the SC Sec of State. Lease to Home purchased this property on Sept 8th, for $80,000.00.

Lease to HomeS, is a DISSOLVED coporation. Lease to HomeS, obtained a mortgage on the SAME property, for $115,500.00, on September 8th, the very same day.

I'm lying? The documents tell the truth and are in plain view for anyone to see for themselves.

Thank you,
Robin

at the SC Secretary of State website, looking up

Lease to Home LLC, THEN, check Lease to HomeS LLC, and you will see that it was dissolved on 11/07/2003.

webprod.cio.sc.gov/SCSOSWeb/corporationNamePage.do

Then go over to the Greenville County Government webpage at:

greenvillecounty.org/

Click on "Real Estate" on the left column, and then "Register of Deeds Search". You will come to a new page, where you then will choose "search real estate index", on the left, again. On this new page, type in Lease to Homes, for "party name", and then click on search.

What you will retrieve is a copy of the 15 page contract signed by Mr. Bruce Windsor of "Lease to HomeS LLC", NOT Lease to Home LLC, on the above property.

Again, THIS LLC WAS DISSOLVED IN 2003. I am not lying. I did not make this up. It is in plain view of anyone that has a computer and can search the information, or that can retrieve the information manually from the courthouse. This 15 page documnet is printable and shows Mr. Windsor's own signature on the contract.

Lease to Home is an active registered coporation with the SC Sec of State. Lease to Home purchased this property on Sept 8th, for $80,000.00.

Lease to HomeS, is a DISSOLVED coporation. Lease to HomeS, obtained a mortgage on the SAME property, for $115,500.00, on September 8th, the very same day.

I'm lying? The documents tell the truth and are in plain view for anyone to see for themselves.

Thank you,
Robin

MORE PROOF OUR ATTACKER CONTINUES WITH LIES AND MALICIOUSNESS....THE VERY REASONS WE REJECTED HER. Robin's latest report above should convince the reader's of the STALKING STYLE PURSUIT Robin engages in that is so creepy. Yet, her "report" is SO WRONG and the LIES ARE SO BLATANT. She is operating in a typical mode for her and I'm glad for the readers to see it even though I despise this "public" fight.

Lease To Home, LLC does multiple business transactions each month, and as protocol for the type of business we are in we are routinely scrutinized by attorney's in regards to these transactions---scrutiny that validates our legitimate business standing. (Including the property mentioned in the ridiculous report above). For easy PROOF OF Robin's LIES and our good standing as a company go to South Carolina Secretary of State Office online, and do a "Search Corporations" search for Lease To Home, LLC.

(In an incredible display of nerve and incredulousness, Robins report did reference this and I would encourage those who are interested to actually do the search) There you will find our company current and in good standingabsolutely opposite of Robin's portrayal of lies!

I hope and trust the readers who have read this far are able to detect Robin's malice and the typical erroneous "rant" (she even had to go back and correct herself as a separate report) that she will engage in when she is in an obsessive pursuit.

Once againSincerely trying to do good business,

Bruce Windsor
Lease To Home, LLC

The property that was purchased by "Lease to Homes LLC" is included below along with a timeline of factual information taken directly from the Greenville County Courthouse website.

November, 1999, property was purchased by previous homeowner, (name withheld for privacy). .

Tax year, 2006, shows Lease to Home LLC, taxpayer and caretaker of 5521 Locust Hill Rd Travelers Rest, SC 29690, but lists PO Box 2136, Greer SC 29652 as the taxpayer's address. Ownership of the property though is still listed as being the previous homeowner. (Heather Windsor; 3802 N Hwy 14 Greer, SC 29651 is listed as the registered agent of Lease to Home LLC).

May 8th, 2006: order for foreclosure of property, and property to be sold at public auction.

August 31, 2006, title on said property was conveyed to US Bank, N.A., (205 W. 4th Street, Suite 500 Cincinnati, OH 45202) by Charles B. Simmons, Jr., as Master in Equity, in the amount of $40,000.00.

September 8th, 2006 Lease to Home LLC purchased property address from US Bank, N.A., for the amount of $80,000.

September 8th, 2006 Lease to Homes LLC obtained a mortgage on said property, from Onward Financial, LLC, whose address is: 4780 Ashford Dunwoody Road, Suite A457 Atlanta, GA 30338. The mortgage amount was $115,500.00. (The registered agent listed for "Lease to Homes LLC was Bruce Windsor, 3802 N Hwy 14, Greer, SC 29651, and was dissolved in 2003).

"Lease to Home LLC" purchased a home for $80,000, and on the same day, refinanced that same loan, in the name of "Lease to Homes LLC"; a dissolved corporation.

Thank you,
Robin

According to the FBI wesite mortgage fraud is, (and I quote)

"Fraud for Housing represents illegal actions perpetrated solely by the borrower. The simple motive behind this fraud is to acquire and maintain ownership of a house under false pretenses".

It is blatent fraud, to purchase a property in a false Corporation name, which Mr. Windsor did on September 8, 2006. "Lease to Homes,LLC" being dissolved in 2003 is a nonlegal corporation, with no active status in the State of South Carolina.

Onward Financial LLC, who's "agent" is Mike Stock has their business address as 4780 ASHFORD DUNWOODY RD STE A, ATLANTA GA 30338. This is the company that accepted approved a loan that was illegally signed by the purchaser, Bruce Windsor.

To submit reports on this Finance Company, please send them to:

FBI Field Office, Mortgage Fraud
Atlanta
White Collar Crime Supervisor
2635 Century Pkwy, NE, Suite 400
Atlanta, GA 30345-3112
404-679-9000

If you have a report to submit for Mortgage fraud in South Carolina, please send them to:

FBI Field Office, Mortgage Fraud
White Collar Crime Supervisor
http://columbia.fbi.gov/
151 Westpark Blvd.
Columbia, SC 29210-3857
Phone: (803) 551-4200

Thank you,

I was incorrect in saying that the property financed, is 1 Andover Rd. Onward Finance informed me of this error. That is the address used by Bruce Windsor, for "Lease to Homes,LLC"....the dissolved Corporation. The property that was financed is located near hwy 290, in Greenville County.

Thank you,
Robin

((( ROR REDACTED LAST NAME FOR SECURITY PURPOSES )))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

On September 8, 2006, Mr. Bruce Windsor of Lease To Homes, LLC signed a mortgage agreement on property address;
1 Andover Road, Greenville, SC 29615.

The mortgage was financed with:
Onward Financial, LLC;
4780 Ashford Dunwoody Road, Suite A457
Atlanta, GA 30338.

The loan was for $115,000.00. The Mortgage/Instrument number is #2006089383,and is recorded in the MO book# 4640 on page 1806. There are 15 pages total, and can be viewed by doing a Real Estate Index search, at the Greenville County Courthouse website, under the name Lease to Homes, LLC.

Page 15 of this document, which is viewable online, contains Bruce Windsor's signature, as member of Lease to Homes, LLC, and in his own handwriting, he scratched through john doe, and wrote in, Lease to Homes, LLC as buyer of this property. Every place where a signature is required, the name Lease to Homes, LLC, with Bruce Windsor, as member, is used.

According to the South Carolina Secretary of State's website, under Corporate Searches, the company Lease to Homes, LLC was DISSOLVED, in November of 2003. These records were last updated on 12/06/2006, according to the website.



Thank you,
Robin Els

I will be sending photo proof of Robins lies to to be added to this report. What I am sending is print screen images of actual emails with Robin Els doing business solicitations as Home-Again 4U, LLC. These images contain the entire screen you see when you get email including email addresses for the sender and recipients, (including messages to a Yahoo group of over 2000), with her BUSINESS message.

I'm also including a photo screen image of ROBINS LYING STATEMENT within RIP-OFF REPORT "I have never done business in the name of Home Again 4U, LLC, nor do I "own" or "operate" any company by the name of Home Again, 4U, LLC."

If for some reason these photo images do not get posted, I will be glad to send them or forward the actual emails to anyone interested.

Phone 864-895-9846
Fax 864-895-9867
Email bruce@leasetohome.com

Sincerely trying to do good business,and saddened by the neccessity of this fight.

Bruce Windsor
Lease To Home, LLC

I have never done business in the name of Home Again 4U, LLC, nor do I "own" or "operate" any company by the name of Home Again, 4U, LLC.

If you indeed purchased the "rights" to this name as your own LLC, then you did so while we were "partnering", as we discussed this as a name for a separate LLC for some of the properties we would be purchasing.

I realize I have left it on my email signature, and that will change, now that I'm aware of the legal standing of it, 9 months after you supposedly purchased it. There has been no fraud on my part.

Thank you.

Robin

I want the readers of this rebuttal to be aware that Lease To Home and myself I have NO CHOICE EXCEPT TO RESPOND TO THIS ATTACK OF LIES AND FALSE ACCUSATIONS.

We at Lease To Home do not prefer to engage in a negative campaign against anyone. However, in this seemingly unregulated forum (unregulated because it seems anyone can make a report about anybody and it will get publicized here without regard to their credibility), it seems the only way to defend ourselves is to tell our side of the story publicly, as a rebuttal. Regretfully, (because attacks lead to counter attacks), this false report from an unscrupulous individual requires us to respond back, and reveal the credibility of our attacker, and the purpose of her attack--- FOR WHICH WE HAVE BEEN VICTIMIZED.

ROBIN ELS WHO ILLIGITAMATLY REPRESENTS HERSELF AS HOME AGAIN 4 U, LLC (Look up this company in Rip-Off Report) is the author of the rip-off report concerning Lease To Home. Robin sought employment / partnership with Lease To Home. Her report contains elements of truth, but the truth has been grossly distorted into absolute lies. She became enraged when Lease To Home ultimately refused to do business with her. ROBIN DID NOT REFUSE LEASE TO HOME,..LEASE TO HOME REFUSED ROBIN. I could divulge personal information about Robin (which is in part why I ceased to work with her) that would reveal her credibility; however, I will not use this forum to perpetuate personal attacks, and especially with a person who is so willing to lie. I will only say that SHE USED RIP-OFF REPORT TO LIE AND TWIST THE SITUATION TO TRY TO DAMAGE ME AND MY LEGITIMATE COMPANY. I WILL HOWEVER RENDER ONE PIECE OF EASILY VERIFIABLE BUSINESS INFORMATION THAT SHOULD UNDERMINE AND REVEAL ROBIN ELS CREDIBILITY. Robin has and does represent herself as part of a company Home Again 4 U, LLC. She is still doing this as of November 2006, yet her company is not an LLC at all. ..This is fraud, and Robin Els operating under false pretensesalong with other deceptions, is acting illegally. (A Limited Liability Company applies for legal organization and when granted is listed with the Secretary of State office). This is verifiable by going to scsos.com (South Carolina Secretary of State) and doing a name search for her company. ROBINS REFUSAL TO OPERATE LEGALLY AND ETHICALLY IS PART OF THE REASON LEASE TO HOME LLC COULD NOT WORK WITH HER. I tried to end dealings with Robin by minimizing communication and turning away prospective business that had anything to do with her. Instead of things coming to an end, she became more zealous. Finally, in early March of 2006 Robin contacted me several times in emotional rages (that are detectable in her report) and proceeded to make demands and threats for her own illicit purposes. In light of the circumstances on 3/15/06 I PURHASED THE LEGAL NAME RIGHTS FOR THE LLC SHE WAS CLAIMING TO BE. I DID THIS then TO PROVE THE POINT then THAT ROBIN WAS ACTING ILLEGALLY.I HOPE THE READERS OF THIS WILL SEE THE POINT now. She has been operating this way since at least September of 2005. I have emails and paperwork to prove it. Robin then began making threats and filed the report which I've just recently become aware of.

LEASE TO HOME HAS NEVER OPERATED ILLEGALLY AND WE HAVE THE PAPERWORK TO REFUTE ROBINS FALSE ACCUSATIONS. And more important than legal rightness ARE ETHICS, HIGH MORALS, AND GOOD BUSINESS PRACTICES, WHICH HAS HELPED Lease To Home GROW, PRIMARILY BY WORD OF MOUTH.
It's for these reasons that it is so frustrating and unbelievable that someone of Robin's character can get away with victimizing others through a forum like this. Her report is untruthful and clearly with anger. She attacked with lies the areas that she knew are precious to me and my company.

Lease To Home indeed frequently operates is a very tough arena. We are often dealing with very tenuous situations involving foreclosure, bankruptcy, and other distressed circumstances. We are not always successful in our efforts, but failed efforts are very different than illegal or unethical activities.

Also, Lease To Home works with many professionals including Realtors, mortgage brokers, attorney's, investors, and of course sellers and tenants.

I am including all my contact information if this report will allow it, and I welcome any and all calls or communication.
Phone 864-895-9846
Fax 864-895-9867
Email bruce@leasetohome.com

Sincerely trying to do good business,

Bruce Windsor
Lease To Home, LLC